Dollar Bank - Online Banking Agreement

Dollar Bank Online Banking Agreement

The terms and conditions contained in this Agreement set forth the terms and conditions that apply to your use of Dollar Bank's Online Banking services. These terms and conditions are in addition to any and all terms, conditions, rules and regulations that apply to any Dollar Bank Deposit Accounts or Dollar Bank Loan Accounts or any other services you obtain from Dollar Bank. Your execution of the Online Banking Sign Up Form shall constitute your acknowledgment and agreement with the terms and conditions of this Agreement, and all instructions related to Online Banking, that are now in effect or are hereafter amended.

DEFINITIONS
"Deposit Account" as used herein shall mean a checking, time, interest or savings account at Dollar Bank in your name for which you have authorized Online Banking. "You" and "Your" shall mean each person who authorizes Online Banking for his/her Deposit Accounts or his/her Loan Accounts or who uses or is authorized to use the Online Banking ID and password or other means of access of such person to Online Banking. "Bank" or "us" or "we" shall mean Dollar Bank, Federal Savings Bank. "Loan Account" shall mean a demand or term loan, line of credit, credit card or other loan account in your name for which you have authorized Online Banking. "Online Banking" shall mean the service described herein provided by the Bank that permits Bank customers to make payments, transfer funds, access accounts, obtain information and perform other transactions electronically via the Internet or such other communication linkages as permitted by the Bank. "Merchant" shall mean any business, company or other third party authorized by the Bank as a payee for Online Banking and includes the Bank when you make payments to the Bank.

AUTHORIZATION
Upon your execution of the Online Banking Sign Up Form, you authorize us to provide you with Online Banking for all checking, time, interest, and saving deposit accounts and all demand and term loans, lines of credit, credit cards and other loan accounts with Bank held in your name and held jointly with others that are then in effect or thereafter opened. You acknowledge that yourself, and other persons who use or are authorized to use your Online Banking ID and password or other means of access to Online Banking services shall be able to perform all applicable Online Banking services for your deposit accounts and your loan accounts. The Bank reserves the right to limit the types of deposit and loan accounts that are available for Online Banking. Online Banking are not available to owners of any deposit account that requires more than one signature for withdrawals.

ONLINE BANKING ID AND PASSWORD
Your Online Banking ID and password are the codes you will need to enter Online Banking. The Online Banking Sign-up Form permits you to select an Online Banking ID of your choice. Because each Online Banking ID must be unique for security purposes, we may not be able to accommodate your preference for an Online Banking ID. After we receive your executed Sign-up Form we will mail you your Online Banking ID and temporary password. The temporary password is to be used the first time you logon to Online Banking. You will be asked to change your password at that time. You may select any combination of letters and numbers as your password so long as the password has at least six characters and no more than ten characters. You should either memorize your password or keep it in a secure location. Other persons having access to your Online Banking ID and password will be able to enter Online Banking and perform all applicable services including reviewing account balances and transferring funds to other Accounts and to Merchants.

MERCHANT AUTHORIZATION
You must designate Merchants that you wish to use in order to make Merchant payments through Online Banking. The Bank reserves the right to refuse to allow you to designate any particular Merchant or class of Merchants. You are obligated to provide the Bank with account numbers or other necessary information that may be needed so that your payments can be properly credited. If any account number or such other information changes or if you want to add or delete Merchants you must provide the Bank with such changes at least five business days in advance. All such designations and such changes may be submitted via a written authorization form which can be obtained by phoning the Bank's Account Services Department at 1-800-828-5527, or 412-261-8181 in the Pittsburgh area and 216-736-8891 in the Cleveland area, Monday through Friday 9:00 a.m. to 8:00 p.m. and Saturday 9:00 a.m. to 3:00 p.m. Eastern time or by submitting such changes via Online Banking. You authorize the Bank to make all changes submitted through the Online Banking by yourself or other persons having access to your Online Banking ID and password or other means of access to the Online Banking for your deposit and loan accounts.

INSTRUCTIONS
The Bank may supply you with instructions separate from this Agreement. Those instructions may be delivered either in writing or may be included, as applicable, as part of Online Banking.

ONLINE BANKING SERVICES
You or other persons having access to your Online Banking ID and password or other means of access to the Online Banking for your deposit accounts and/or loan accounts, even if such persons exceed their authority, shall have access to all of the services and transactions available through Online Banking including but not limited to the following:

Transfer funds between your deposit accounts.
Make payments from deposit accounts to merchants designated in accordance with this Agreement.
Delete or add merchants.
Obtain balances for deposit accounts and loan accounts.
Purchase United States Savings Bonds from applicable accounts.
Order checks for applicable deposit accounts.
Change the e-mail address for your Online Banking service.
Access electronic statements for your accounts.
Send and receive messages with Dollar Bank Representatives.
View CheckStrip^SM Windows.
Access reward information about accounts earning rewards.
Manage Text Message Banking settings
Request a new Online Banking password
Obtain other services or perform other transactions that are authorized as part of Online Banking.

TRANSACTION LIMITATIONS
The following transaction limitations may apply:

Transactions may not be processed if you do not have sufficient available funds in the applicable Deposit Accounts from which you instruct the Bank to make a payment or transfer.
For security reasons, the Bank may limit the number or amount of transactions you may make using Online Banking.
The Bank may implement limits on amounts that may be transferred to individual merchants over a specific period of time.
Certain transfer restrictions for certain deposit accounts, as identified in applicable Account Information Schedules, may apply to transfers made via Online Banking. Transfers from these accounts (primarily savings and money market accounts) are restricted to no more that six(6) limited transfers, as defined in the Bank's Account Rules and Regulations, per month. The limited transfer restriction applies to withdrawals made through Online Banking for those accounts.

WHEN PAYMENTS AND TRANSFERS ARE MADE
Payments and/or transfers made through Online Banking will be withdrawn from the designated account on the date indicated or as promptly as possible. Any new authorizations or changes and all previous authorizations of recurring payments and/or transfers will remain in effect until; 1)they are changed by you or another Account holder by written notice received by the Bank; 2) are changed by you or another person having access to your Online Banking ID and password through Online Banking; 3) the available balance in the designated Account is not sufficient to cover the payment and/or transfer or 4) the designated Account is closed.

If the available balance in the designated account is not sufficient to cover a payment and/or transfer, a service charge may be assessed and the Bank will not be obligated to make the payment or transfer. The Bank reserves the right to limit the minimum and maximum of each withdrawal payment or transfer or to discontinue or cancel the recurring payment and transfer service. To ensure that payments to merchants are received promptly, you should arrange these payments to be sent to the merchant at least five business days before the payment due date. Bill Payment Guarantee does not apply if the payment processing method changes or if the payment is not processed due to a merchant error or events beyond Dollar Bank’s reasonable control.

STOPPING OR CHANGING PAYMENTS AND TRANSFERS
If you want to stop or change individual payments or transfers or recurring payments or transfers you have instructed the Bank to make, you must notify us before we have started processing the transaction. To do this you may access the appropriate function in Online Banking on the day before the day the payment or transfer is scheduled to be made, and either delete it or make the change. You may also call us at 1-800-828-5527, or 412-261-8181 in the Pittsburgh area and 216-736-8891 in the Cleveland area, Monday through Friday 9:00 a.m. to 8:00 p.m. and Saturday 9:00 a.m.-3:00 p.m. Eastern Time or write us at P.O. Box 765, Pittsburgh, PA 15230. If you call or write, you must do this in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you put your request in writing on paper and get it to us within fourteen days after you call.

STATEMENT
Your Online Banking payments and transfers will be indicated on the monthly statements we provide or make accessible for your deposit accounts. You agree to notify us promptly if you believe there are any errors or unauthorized transactions on any statement, or statement information.

NOTICE OF INCOMPLETE TRANSACTIONS
You agree to notify us promptly if you receive notice from a merchant or other institution that a payment or transfer you made through Online Banking has not been completed or remains unpaid.

ACCESS
Your access to Online Banking shall be determined at the sole discretion of Bank. The Bank, subject to applicable law, reserves the right to modify, suspend or terminate access to Online Banking at any time for any reason without notice or refund of previously paid fees. The Bank reserves the right to require you to change your Online Banking ID and/or password or other secure access.

FEES
The Bank may charge you a standard monthly fee for using Online Banking as well as additional fees for specific services. You should review the current fee schedule before signing up for Online Banking. You can cancel Online Banking at anytime, but you will remain liable for all charges accrued up to that time including, but not limited to, full monthly charges for the month in which you discontinued service. The Bank reserves the right to change Online Banking fees at any time for any reason. The Bank shall provide you with at least thirty (30) days notice of any increase in fees or any additional fees.

YOUR LIABILITY
You are liable for all transactions that you, or any person you authorize to have your Online Banking ID and password or other means of access to Online Banking, make even if the person you authorize exceeds your authority. If you have given someone your Online Banking ID and password or other means of access and want to terminate that person's authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your Online Banking ID and password or other means of access or take additional steps to prevent further access by such person.

If you believe your Online Banking ID and password or other means of access have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used them without your authority.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Online Banking ID and password or other means of access, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.

Also, if your statement shows payments or transfers covered by this agreement that you did not make or authorize, tell us immediately. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds in the designated account for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize.

TERMINATING THIS ACCOUNT AND CHANGING TERMS
The Bank has the right to terminate this agreement at any time. We may send you notice of any termination, but we are not required to do so unless applicable law requires such prior notice. Once we terminate this agreement, no further transfers or payments may be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers.

We reserve the right to make changes in this agreement at any time. We will comply with any notice requirements under applicable law for such changes. If applicable law does not specify any notice requirements for the change, we will determine what kind of notice we will give you and the method of providing any such notice.

You may also terminate this agreement at any time by signed written notice. However, any instructions from you to make payments or transfers will continue to be in effect until we have received such written notice of termination and have had a reasonable opportunity to act upon it. Once we have acted upon your notice, no further transfers or payments will be made, including but not limited to, any payments or transfers scheduled in advance or any recurring payments or transfers. Any such termination by you applies only to Online Banking.

NOTICE AND COMMUNICATIONS
Except as otherwise provided in this agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records. You agree that we may send or provide by electronic communication any notice, communication, or disclosure required to be provided orally or in writing to you.

Applicable notice to the Bank must be delivered by registered mail only to the following address: Dollar Bank, Account Services, P.O. Box 765, Pittsburgh, PA 15230.

LAW THAT APPLIES
Regardless of where you live or work or where you access Online Banking, this Agreement is subject to the laws of the State where we hold your Deposit Account(s) and the federal law of the United States of America. If any of the terms of this Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

ONLINE BANKING REG E DISCLOSURE
As an Online Banking customer of Dollar Bank, you have at your fingertips one of the most complete and convenient Internet banking services available anywhere. We hope you'll take full advantage of Online Banking which has been designed to make your banking as quick and convenient as possible. There are some things you should know about our responsibilities to you as a customer, as well as your own rights and responsibilities under the Electronic Funds Transfer Act. Please take a moment to read the following information which applies to these services. We suggest you keep this information on hand for future reference.

DEFINITIONS
The following terms used in this disclosure statement are defined below:

The term "account" includes all deposit accounts which you maintain with Dollar Bank.

The term "checking account" refers to a Dollar Bank account on which you may write checks.

The terms "savings account” refers to Dollar Bank savings or money market accounts from which certain types of third party transfers may be made, including transfers via Online Banking, as more fully described in the Regulations governing these types of accounts and Dollar Bank's Online Banking Agreement.

"Dollar Bank" or the "Bank" refers to Dollar Bank, Federal Savings Bank and its affiliates and subsidiaries.

"New Account" means an account is considered to be a new account during the first 30 calendar days after the account is established. An account is not considered a new account if each customer on the account has had, within 30 calendar days before the account is established, another account at Dollar Bank for at least 30 calendar days.

The term "transactions" refers to all transfers, payments, deposits, withdrawals or other activity on your account performed through any of the electronic services described in this disclosure statement.

"Online Banking ID" means the unique personal identification code issued to you for secure access to Online Banking.

"Password" means the entry code chosen by you to access Online Banking. The initial password will be issued by the Bank.

LIABILITY FOR UNAUTHORIZED TRANSACTIONS
Tell us AT ONCE if you believe your Online Banking ID or password has been lost or stolen, or if you believe that either of them is in the possession of an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account(s) plus any available maximum overdraft line of credit. If you tell us within 2 business days you can lose no more than $50 if someone used your Online Banking ID or password without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your Online Banking ID or password, and we can prove we could have stopped someone from using your Online Banking ID or password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions that you did not make, tell us at once. If you do not tell us about unauthorized transactions within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason kept you from telling us, such as a long trip or a hospital stay, we will extend the time periods. For your protection, please examine your statements promptly and notify us immediately of any problems.

TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN EVENT OF UNAUTHORIZED TRANSACTIONS
If you believe your Online Banking ID or password has been lost or stolen or that someone has transferred or may transfer money from your account(s) without permission, contact us immediately at 1-800-828-5527, or 412-261-8181 in the Pittsburgh area and 216-736-8891 in the Cleveland area, or write to us at: Dollar Bank, Account Services, P.O. Box 765, Pittsburgh, PA 15230.

DOLLAR BANK'S BUSINESS DAYS
For purposes of this disclosure, our business days are Monday through Friday. Holidays are not included.

TYPES OF AVAILABLE TRANSACTIONS AND LIMITATIONS ON TRANSACTIONS USE OF ONLINE BANKING

TYPES OF TRANSACTIONS
You may use your Online Banking ID and password to obtain Online Banking services to perform the following functions:

Transfer funds between your checking and savings accounts with the same account holder name.
Make payments from your applicable accounts to pay for purchases at places that have agreed to accept Online Banking payments.
Obtain account balances and other account information about your designated checking and savings accounts.

Account balances received through Online Banking may not reflect recent transactions and the full balance indicated may not be available for withdrawal. In order to determine whether you have sufficient available funds in an account to perform a transaction, you should review your account records.

TRANSACTION LIMITATIONS
The following transaction limitations apply to Online Banking:

Transactions may not be processed if you do not have sufficient available funds in the account(s).
The Bank may limit the number and/or amount of transactions you may make using Online Banking.
The Bank may implement limits on amounts that may be transferred to individual third party merchants over a specific period of time.

In addition, certain accounts have transaction limitations, which are applicable to transfers and payments made via Online Banking. These limitations apply to: (1) transfers and payments from accounts to other accounts; (2) recurring and automatic transfers and payments from accounts to third parties; and (3) payments from accounts by check, draft or similar order (including debit card) payable to, cashed or received by anyone other than you or Dollar Bank ("Third Party Checks"). These three types of transactions are called Limited Transfers.

No more than six Limited Transfers may be made from a savings account in any calendar month. If Third Party checks are available in connection with these accounts, no more than three of the six Limited Transfers may be made by Third Party Checks.

Dollar Bank reserves the right not to pay any Limited Transfer which exceeds the transaction limitations described in the two (2) preceding paragraphs. If transaction limitations on an account are repeatedly violated, the Bank also reserves the right to close the account; or, convert the account to another account type that does not have these restrictions, and the Bank may impose minimum balance requirements and monthly service charges as set forth in the most current Account Information Schedule. Alternatively, the Bank may remove the transfer and draft capabilities from the account. If the account is converted, the terms and conditions applicable to the new account shall govern the account and you shall thereafter pay the fees imposed on the new account. You agree to be bound by these limitations whenever you use our electronic banking services.

CHARGES FOR TRANSACTIONS
Charges for the services described in this Disclosure Statement are set forth in the most current Account Information Schedule for your account. All such fees and charges will be deducted from the account from which a withdrawal or transfer is made or to which a deposit is made.

We reserve the right to charge for any or all services upon giving the notice required by law. When new fees are instituted, or existing fees increased, we will notify you by mail at least 30 days prior to those changes being effective.

CONFIDENTIALITY
We will disclose information to third parties about your account or the transactions you make:

Where it is necessary for completing transactions.
In order to verify the existence and condition of your account for certain types of third parties, such as a credit bureau or merchant.
In order to comply with government agency or court orders.
If you give us your written permission.

RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS
You will get a monthly statement for each account that reflects all transactions made via Online Banking.

RIGHT TO STOP RECURRING PAYMENT
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how: Call us at 1-800-828-5527, or 412-261-8181 in the Pittsburgh area and 216-736-8891 in the Cleveland area, or write us at Account Services, Dollar Bank, P.O. Box 765 Pittsburgh, PA 15230.

Be sure that we receive your stop payment instruction three (3) business days or more before the payment is scheduled to be made. If you telephone, we will require you to put your request in writing within fourteen (14) days after your call. A Stop Payment Fee may be charged to your account for each stop payment order we receive.

NOTICE OF VARYING AMOUNTS
If these regular payments may vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the payment would fall outside certain limits that you set.

LIABILITY FOR FAILURE TO STOP PAYMENT OF RECURRING TRANSFERS
If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

BANK'S LIABILITY
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your account to make the transfer.
If the transfer would go over the credit limit on your overdraft line.
If Online Banking was not working properly and you knew about the breakdown when you started the transfer.
If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
If any third party through whom bill payment is transmitted fails to properly transmit the payment to the intended payee.
If you instruct us to make a bill payment that is too late.
There may be other exceptions stated in our agreement with you.

EXCEPT AS REQUIRED BY LAW, WE SHALL NOT BE LIABLE FOR INDIRECT SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OF ONLINE BANKING.

ERROR RESOLUTION
In case of errors or questions about your Online Banking transfers, telephone us at 1-800-828-5527, or 412-261-8181 in the Pittsburgh area and 216-736-8891 in the Cleveland area, or write to us at: Dollar Bank, Account Services, P.O. Box 765 Pittsburgh, PA 15230, as soon as you can. If you think your statement is wrong or if you need more information about a transfer listed on the statement. 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.
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 tell you the results of our investigation within 10 business days after we hear from you (20 business days for EFTs on new accounts) 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 (90 days for point-of-sale debit card transactions, transactions initiated outside the United States, and EFT transactions or new accounts). If we decide to do this, we will credit your account within 10 business days (20 business days for EFTs on new accounts) 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.

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