Internet and Mobile Banking Agreement
This Internet and Mobile Banking Agreement and Disclosure (“the Agreement”) explains the terms and conditions governing Fleetwood Bank’s Internet banking and Mobile Banking service. By using any of the Internet services, you agree to abide by the terms and conditions of this Agreement and Disclosure. Each of your accounts is also governed by account disclosures that you received when you opened your account at one of our offices. If you prefer to have a printed copy, you may print this form and its contents at any time. If you are unfamiliar with how to print from your computer, or do not have a printer, and want to be provided with a copy of this form, please contact us at (610) 944-7666. A copy will be mailed or faxed to you at no charge. The first time you access your account(s) through Internet banking constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement/Disclosure and by Fleetwood Bank, and acknowledges your receipt and understanding of this agreement.
Definitions
The following terms are used throughout this agreement/disclosure:
- The terms “we”, “us”, “our”, and “Bank” refers to Fleetwood Bank.
- “You” refers to each person who enrolls for Internet services and has a password.
- The term “business days” means Monday through Friday, excluding Saturday, Sunday and Fleetwood Bank holidays. “Internet banking” refers to Fleetwood Bank’s Internet Banking Service. “Mobile Banking” refers to Fleetwood Bank’s Mobile Banking Service.
- “Available balance” is the available funds in an account as of the last time the information was obtained from Fleetwood Bank’s systems.
Customer Options
Internet Banking or Mobile Banking provides you with access to the following functions:
- Transfer funds between your Fleetwood Bank checking, savings, money market, loan or line of (NOTE: Federal regulations limit you to six transfers from your money market or savings account every statement cycle. See your account agreement disclosure for further detail)
- External Transfers
- View available balances for accounts assigned to your online banking
- Display account transactions and history
- Open a new account(for existing customers only)
- Change your profile information such as address, phone number and email
- Reorder checks
- Upload history to Quicken or QuickBooks
- Manage your debit card
- Receive E-Statements
Access
To use Internet Banking you must have at least one account at Fleetwood Bank, access to the Internet and an e-mail address. It is your responsibility to notify the Bank of any all changes to your email address. The Bank accepts no responsibility or liability for the consequence of your failure to notify the Bank of all changes to your email address. To access Mobile Banking, you must have at least one account at Fleetwood Bank; have access to an iOS or Android mobile device that has a mobile browser with data plan. Internet Banking or Mobile Banking can be used to access only the Bank accounts that you have access to. If you wish to add or delete accounts please contact customer service at Fleetwood Bank. Access to your accounts through Internet and Mobile Banking will be based upon the identification of users and authority levels specified by you. We undertake no obligation to monitor transactions through Internet Banking or Mobile banking to determine that they are made on behalf of the account holder.
Fees
All Internet Banking, Mobile Banking, and Bill Pay fees are subject to change. Fleetwood Bank does not charge any monthly fee or transaction charges for Internet Banking, Bill Pay, or Mobile Banking. Your Internet Service Provider (ISP) and phone company may charge you fees relative to your Internet connection and data usage. These fees are your responsibility.
Security
To Fleetwood Bank, security is the most critical issue that we are dealing with. We have provided you with access to a copy of our Privacy Policy with regard to Internet banking (See Privacy Policy on our HOME page for more details). Fleetwood Bank has used security technology that is widely used and accepted in the financial industry. We are constantly reviewing our technology and making appropriate changes to ensure the security connected with our website is as secure as possible. Your password can be between 5 and 15 characters long. You may use any combination of numbers and/or letters. It must contain at least one number. You may change your password anytime online through your Internet access.
Remember you are solely responsible for the safekeeping of, and access to, your password. You should avoid using personal information that someone would be easily able to guess (such as, your phone number, birthday, etc.). Memorize your password and do not keep it written down on a paper that someone else might have access to. Fleetwood Bank will act on instructions we receive through Internet banking under your password and without inquiring into the identity of the person using your password.
If you have a business account, you are liable for all transactions that occur on the account. The owner of the business account agrees to be liable for any other parties designated (by being given the pin and/or password) to conduct business on the account(s).
Under no circumstances should you disclose your password by telephone or to any one claiming to represent Fleetwood Bank. Our employees will never, under any circumstances, ask for your password.
If your password has been lost, stolen or otherwise compromised, you must notify Fleetwood Bank immediately so we can block your account and disable the current password. Fleetwood Bank can be reached by calling (610) 944-7666, emailing us at [email protected] or visiting anyone of our Offices.
Bill Payment Services
The Bill Payment service permits you to use your Internet-enabled device to direct payments from your designated online Bill Pay Account to third parties you wish to pay. Your Bill Pay Account must be a checking account. Through the Bill Payment service, you can pay bills from your Bill Pay Account to businesses or individuals.
All payments you make will be deducted from the account that you designate as your Bill Pay Account for the Bill Payment service. Any payments you wish to make through this service must be payable in U.S. dollars to a payee located in the continental United States. We reserve the right to restrict types of payees to whom payments may be made using the Service from time to time. You should not use the Bill Payment service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments, or court ordered payments. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited.
Funds must be available in your Bill Pay Account on the scheduled payment date. If the date you schedule a payment to be initiated falls on a non-business day (Saturday, Sunday or holiday), funds must be available in your Bill Pay Account the following business day (e.g., Monday). After funds are withdrawn from your Bill Pay Account to make a payment, we may make the payment either by transferring funds electronically to the payee or by mailing the payee a check.
You may choose to schedule payments to recur in the same amount at regular weekly, bi-weekly or monthly intervals (a “recurring payment”). If a recurring payment is chosen, the bill will be paid automatically each billing period. If the payment is not a recurring payment, it will be a “one-time payment.” One-time payments do not recur and are not made until you enter the payee and amount of the current bill and submit the payment. You may change payments that are recurring payments; however, you must allow at least three (3) business days after we receive any changes to payees to process the change in our records.
You agree to allow at least five (5) business days between the date you schedule a payment to be initiated and the payment due date (that is, the due date shown on your invoice or provided in your agreement with the payee, not taking into account any applicable grace period). If you do not, you will be fully responsible for all late fees, finance charges or other action taken by the payee. If you schedule your payment and follow all instructions provided, and the payment is not received by the payee in a timely manner, a representative of Fleetwood Bank will work with the payee on your behalf to have any late fees or charges reversed.
Fleetwood Bank is only responsible for exercising ordinary care in processing and sending payments upon your authorization in accordance with this Agreement. Fleetwood Bank will not be liable in any way for damages you incur if you do not have sufficient funds in your Bill Pay Account to make the payment on the processing date, for delays in mail delivery, for changes to the payee’s address or account number unless you have advised us of the change sufficiently in advance, for the failure of any payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond the control of Fleetwood Bank.
All payments or transfers completed by 11:59pm. will be considered by Fleetwood Bank to have been received on that day. Otherwise, it will be considered received on the following business day. For all entries made using the service, the time recorded by the Online Banking service acts as the controlling factor.If your Bill Pay Account does not have sufficient funds to make a payment as of the date the transfer or payment is attempted or scheduled to be made, the transfer or payment will be canceled and no further attempt will be made by Fleetwood Bank to make the transfer or payment. Fleetwood Bank shall have no obligation or liability if it does not complete a transfer or payment 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 payment or rescheduling the payment through the Service. In the case of recurring payments, only the payment currently scheduled will be canceled. Recurring payments scheduled for future dates will not be affected.
The way to cancel or change a payment is to use the Service. Payments must be changed or canceled using the Service prior to 11:59 p.m. on the business day prior to the date that the transaction is scheduled to be initiated. If you ask us to cancel a payment after it is issued and we agree to do so, we may charge you a stop payment fee. Stop payment orders, whether oral, written, or electronic, will be in effect for a period of six months. If requested by Fleetwood Bank, you will confirm any stop payment order in writing. After six months, any stop payment will terminate and must be renewed in order to continue in effect. Fleetwood Bank may pay any item that is presented following the lapse of any stop payment order.
External Funds Transfer
External Funds Transfer Service (“Service”). This Service allows you to transfer funds between your personal deposit accounts at Fleetwood Bank and certain deposit accounts at other financial institutions. An inbound transfer moves funds into an account at Fleetwood Bank. An outbound transfer moves funds from an account at Fleetwood Bank to an account outside of Fleetwood Bank. You will need to enroll each of your non-Fleetwood Bank accounts that you wish to use for this Service. You agree that you will only attempt to enroll accounts for which you have the authority to transfer funds. All accounts requested to be used as part of this Service will be verified in accordance with Fleetwood Bank procedures. We will have seven (7) days after enrolling an account to complete the verification process. Funds requested to be transferred will be debited from/credited to your Fleetwood Bank account the business day following the day you initiate the transfer, provided you have met the cutoff time for submitting the external transfers. In the case of a future dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. The cutoff time for initiating transfers is 11:00a.m. EST.
Funds requested to be transferred will be debited from/credited to the non-Fleetwood Bank account according to the receiving Financial Institution’s availability and transaction processing schedule. Request for immediate transfers of funds cannot be cancelled. Future dated and recurring transfers can be canceled by 11:00 a.m. EST the day prior to the scheduled transfer date. If the transfer status is In Process, Pending, or Processed, you cannot cancel the transfer. There currently are no fees for Inbound or Outbound transfers to Fleetwood Bank. Fees are subject to change. Transfers are subject to the following limits unless otherwise agreed upon by you and Fleetwood Bank: Inbound transfers per day not to exceed a total of $3,000.00. Outbound transfers per day not to exceed a total of $3,000.00. The above limits apply to the total of all External transfers for all accounts enrolled in the Service. We may change your dollar limits and transfer limits at any time. We reserve the right to decline any transfer. Transfers may be returned for various reasons, including, but not limited to, the Recipient account number is not valid. We will use reasonable efforts to research and correct the transfer to the intended account or void the transfer and credit your transaction. A $1.00 per NOC or return item fee will apply for incorrect account information. We reserve the right to revise or terminate this Agreement and your use of the service, in whole or in part, at any time. You understand that we must rely on the information provided by you and you authorize us to act on any instruction which has been or reasonably appears to have been sent by you, to submit transfer instructions on your behalf. You understand that if you provide us with incorrect information or if there is any error in your instruction, you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities or fraud in the information that you provide. If any information you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, Fleetwood Bank reserves the right to recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.
Although the External Transfer service is available via Fleetwood Bank Online Banking 24 hours a day, the bank shall incur no liability if we are unable to complete any transfer initiated by you because of the existence of any one or more of the following circumstances: 1. If, through no fault of Fleetwood Bank, your account does not contain sufficient funds to complete the transaction or 2. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction. Unless specifically listed in this agreement, this Service is subject to the definitions and terms of the Fleetwood Bank’s Online Banking Service Agreement accepted by you when opening your Fleetwood Bank Online service or any amendments thereto. This service is also governed by the rules stated in our Electronic Funds Transfer disclosure you received at account opening and that appears on the back of your Fleetwood Bank account statement. For questions, or if you need assistance with the enrollment process, please contact Fleetwood Bank at 610-944-7666 or email us at [email protected]. You may also send us a secure message through your Fleetwood Bank Online Banking service.
Electronic Mail
If you send Fleetwood Bank an electronic mail message, Fleetwood Bank will be deemed to have received it on the following business day. Fleetwood Bank will handle your request as quickly as possible, but must be given a reasonable time to act on your e-mail.
You should not rely on electronic mail if you need to communicate with Fleetwood Bank immediately – for example, if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur.
You agree that Fleetwood Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by Fleetwood Bank shall be considered received within three (3) days of the date sent by Fleetwood Bank, regardless of whether or not you sign on to the Service within that time frame.
Hours of Operation
The Services are available 24 hours a day, seven days a week, except during special maintenance periods. For purposes of transactions, Fleetwood Bank’s business days are Monday through Friday, excluding holidays. All online service transaction requests received after 5:00 p.m. on business days and all transactions which are requested on Saturdays, Sundays or holidays on which Fleetwood Bank chooses to remain closed, will be processed on the next Fleetwood Bank business day. Fleetwood Bank’s business day begins at 8:00 a.m.
Other Agreements
In addition to this Agreement, you and Fleetwood Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your Online Accounts. Your use of the online services or the Bill Payment service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at Fleetwood Bank (including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedules available in each product description on the web site). We will automatically deduct the fees related to this Service from the appropriate accounts each month.
Errors and Questions
In case of errors or questions regarding an online service or Bill Payment transaction, call Fleetwood Bank Customer Service at 610-944-7666 or write us at:
Fleetwood Bank Customer
Service, PO Box 105
Fleetwood, Pa 19522
We must hear from you at the specified telephone number or address no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. We will need:
- Your name and account number (if any)
- A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information
- The dollar amount of the suspected error and date on which it occurred.
If the report is made orally, we may require that you provide us with a written explanation of the complaint or question within 10 business days. We will notify you with the results of the investigation within 10 business days and will correct any error promptly. If more time is needed, however, we may take up to 45 days to investigate a complaint or question. If this occurs, we will credit your account within 10 business days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within 10 business days, we may not credit your account until the investigation is completed.
If we determine that no error occurred, we will send you a written explanation within three business days after the investigation is complete. You may request copies of the documents that were used in the investigation.
You agree that Fleetwood Bank may respond to you by electronic mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by Fleetwood Bank shall be considered received within three (3) days of the date sent by Fleetwood Bank, regardless of whether or not you sign on to the Service within that time frame.
Statements
You will continue to receive an account statement either monthly or annually, depending on the type of account.
Our Liability for Failure to Make a Transfer
If we do not properly 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 the amount of any losses or damages incurred by you and resulting directly from such failure. We will not be liable in the following instances:
- If through no fault of Fleetwood Bank, you do not have enough money in your account to make the transfer.
- If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer, despite reasonable precautions that we have taken.
- If there is a hold on your account, or if access to your account is blocked, in accordance with banking
- If your funds are subject to legal process or other encumbrance restricting the
- If your transfer authorization terminates by operation of
- If you believe someone has accessed your accounts without your permission and you fail to notify Fleetwood Bank
- If you have not properly followed the scheduling instructions on how to make a transfer included in this
- If we have received incomplete or inaccurate information from you or a third party involving the account or
- If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.
There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.
If any of the circumstances listed above shall occur, we shall assist you in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.
Disclosure of Information to Third Parties
We will disclose information to third parties about your account or the transfers you make:
- where it is necessary for completing Or,
- in order to verify the existence and condition of your account for a third party, such as a credit bureau or Or,
- in order to comply with government or court orders, or other reporting Or,
- if you give us your written Or,
- to Fleetwood Bank affiliated
Information concerning your account history with Fleetwood Bank will be shared within the Fleetwood Bank organization. Other information, including information you have given us as part of an application for one of our products or services, or information we have received from a credit bureau or other third party, also may be shared among affiliated companies within the Fleetwood Bank organization. You may direct that information other than your Fleetwood Bank account history not be shared with Fleetwood Bank affiliates by e-mailing us or calling us at 610-944-7666.
Terms and Conditions
Access to Internet banking will be on a seven days a week, twenty-four hours a day basis. The system (or parts of it), though, may occasionally be unavailable due to technical difficulties or normal system maintenance.
You agree, unless specifically required by the law, to not hold Fleetwood Bank liable for any property loss, damage or bodily injury related to equipment, software, Internet access provider. Nor shall we be responsible for any direct or indirect economic or other damage that may result from the installation, use or maintenance of equipment, software, Internet Banking, or other Internet access provider or browser.
You may cancel your Internet Banking access at any time. Please notify Fleetwood Bank via a phone call (610-944-7666), email ([email protected]) or stop in at any office. Fleetwood Bank also reserves the right to cancel a customer’s access if we find that the customer is not handling his/her accounts in a responsible manner. In addition, Fleetwood Bank reserves the right to change fees or other terms of this agreement at any time. If changes are to be made, Fleetwood Bank will notify you of the changes either by sending you a notice to the address we have on our records or by way of an Internet banking message. You will be notified at least thirty (30) days in advance of any changes to any fees, stricter limits on you, or any additional responsibilities required of you. You will have the choice of whether to accept these changes by continuing to use this service or notifying us that you wish to discontinue using your account.
General Information
Transactions may be processed any time or day of the week.
Inactivity; Termination
You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the accounts which you access using electronic banking services. We can terminate your electronic banking privileges (including the Bill Payment service) under this Agreement without notice to you if you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.
Fleetwood Bank reserves the right to cancel a customer’s access for failure to access and use his/her Internet banking facility for 180 days or more.
To cancel the Internet or Mobile Banking and/or Bill Payment service, you must notify Fleetwood Bank and provide your name; address; whether you are discontinuing Internet or Mobile Banking, Bill Payment or both; and the effective date to stop the service. When Bill Payment is terminated, any prescheduled bill payments made through Internet Banking will also be terminated. You may notify Fleetwood Bank by one of the following methods:
- By sending an e-mail to Fleetwood Bank at [email protected]
- By calling Fleetwood Bank,
- By writing a letter and sending it to the following address:
Fleetwood Bank
c/o Customer Service PO Box 10
Fleetwood, Pa 19522
Governing Law
This Agreement is governed by the laws of the Commonwealth of Pennsylvania and applicable federal law.
