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Online Banking Agreement and Disclosure

 

Cypress Bank, SSB Online Banking Agreement and Disclosure

WHAT THIS AGREEMENT COVERS


This agreement between you and Cypress Bank, SSB管理十大菠菜靠谱平台服务的使用和转移以外的赛普拉斯银行. 这些服务允许十大菠菜靠谱平台的客户通过使用个人电脑,在与服务相关的账户上进行各种银行活动.

ACCEPTING THIS AGREEMENT


当您或您授权的代理使用本协议中描述的任何十大菠菜靠谱平台服务时, you agree to the terms and conditions of the entire agreement.

ONLINE BANKING SERVICES


To access your account via Online Banking, 你需要完成一份在线注册表格,并拥有一个符合条件的账户(支票账户), savings account, MMA and/or personal loans). Upon completion of the enrollment form, you will be required to setup an Access ID and Password of your choosing. 任何拥有您的登录名和密码的人士都可以通过十大菠菜靠谱平台服务访问您的帐户.
The Online Banking service is accessible seven (7) days a week, twenty-four (24) hours a day, except for reasonable periods from time to time for system maintenance. 也可能会有计划外的停机时间,但十大菠菜靠谱平台会尽量减少这种中断服务的情况. 您同意十大菠菜靠谱平台不对十大菠菜靠谱平台服务的定期或非定期中断负责.
In addition to the reasons set forth below, we may modify, suspend, 或随时以任何理由终止使用您的十大菠菜靠谱平台服务,而不另行通知或退还您已支付的费用.

TYPES OF TRANSACTIONS


At the present time, 阁下可使用十大菠菜靠谱平台服务登入阁下的帐户,并执行下列功能:

  • Transfer funds between certain bank accounts.
  • Review account balance and transaction history for certain bank accounts.
  • Communicate with us via our E-mail address: info@jasonsonnabaum.com

SERVICE LIMITATIONS


以下对十大菠菜靠谱平台服务交易的限制适用于使用之前列出的服务.

Transfers
If your account is a Money Market Account, 联邦法律要求账户持有人在任何一个(1)报表周期内(从一个报表到下一个报表的期间)不得进行超过六(6)笔转账和/或提款。, 通过预先授权或自动转帐的方式转帐至您在十大菠菜台子的其他账户或第三方, or telephonic (including data transmission) agreement, order or instruction.

No more than three (3) of the six (6) transfers may be made by check, draft, debit card, internet bill payment instruction, or similar order made by you and payable to third parties. If you exceed more than three (3) such transfers, we may not honor the item. “preauthorized转移”包括任何由十大菠菜靠谱平台安排从你的账户支付第三方在书面或口头指令(包括订单收到通过自动结算所(ACH)或任何由十大菠菜靠谱平台安排支付第三方从你的账户在预定的时间或一个固定的时间间隔).

In accordance with federal law, 如果您有超过允许的预先授权的转账或预先授权的支票或汇票(对于货币市场账户)在任何一个时期, 您的账户可能会被十大菠菜靠谱平台关闭,您有资格维持的另一个账户中的资金也可能会被十大菠菜靠谱平台关闭, or we may take away the transfer and draft capabilities of the account. In addition to the above preauthorized transfers, 您可无限次提款(直接向您付款或从您的帐户向您在十大菠菜台子的任何其他存款帐户或贷款帐户转账), 到十大菠菜靠谱平台的一个位置, by mail, messenger, telephone (via check mailed to you), or use of an ATM card (if applicable).

通过预先授权的自动转账或电话转账,从储蓄账户转到另一个账户或第三方,每月最多三次. An excess withdrawal charge fee of $2.在一个公历月内,每笔借方交易超过三(3)笔将收取100英镑.

联邦法规要求十大菠菜靠谱平台保留要求您在任何打算从储蓄中提款前至少提前七(7)天书面通知的权利, negotiable order of withdrawal (“NOW”), or money market account. 虽然十大菠菜靠谱平台通常在没有通知的情况下就支付这些账户的取款或支票, doing so does not mean that we give up this right.

您可以在转账时转账或提现到您账户的可用余额, except as limited under this agreement or your deposit or loan agreements.

No transfer may be made from an account that requires two or more signatures. 十大菠菜靠谱平台保留拒绝任何使用不足或不可用资金的交易的权利, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

转帐到存款账户(s)立即反映在网上和ATM的账户余额. 为了使转帐资金能够在一夜之间用于支付在您的账户上处理的项目(i.e. checks, direct debits), they must be entered before the cut-off time of 6:00 p.m. CST to avoid possible NSF or overdraft fees. Please be sure to make your transfers before the cut-off time.

帐户余额和交易历史信息可能仅限于涉及您帐户的最近帐户信息. Also, 由于ATM交易的处理时间和十大菠菜靠谱平台的资金可用性政策,可用于转账或提现的资金可能会受到限制.

十大菠菜靠谱平台可能不会立即收到您发送的电子邮件通信,在十大菠菜靠谱平台实际收到您的信息并有合理的机会采取行动之前,十大菠菜靠谱平台不会根据电子邮件请求采取行动. 如果您需要就未经授权的交易或停止付款请求立即十大菠菜台子, you may call us at (903) 856-6653.

BILL PAYMENT SERVICES


In addition to the Online Banking feature previously discussed, you may also enroll in Cypress Bank’s Bill Payment service. 这项服务允许您从您的链接支票账户进行一次性或经常性的在线支付。, 及每日投资户口(货币市场)至阁下选择的公司或个人(收款人).

BILL PAYING AGREEMENT/DISCLOSURE


赛普拉斯银行缴费服务是免费的,只要您的帐户反映至少一个交易在一个月的基础上.
This is your bill paying agreement with Cypress Bank, SSB. You may use Cypress Bank's bill paying service, ,指示赛普拉斯银行根据本协议,从阁下指定的支票户口向阁下选择的收款人付款. 本协议的条款和条件是在帐户协议之外的, 披露及不时有效的其他文件(账户规则).
"You" or "your" means each person who is authorized to use the service. "Payee" means anyone, including the financial institution, you designate and the financial institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS


Complete a bill paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, 在互联网上使用“设置帐户/收款人”或与服务代表交谈. You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the service and entering the appropriate information. 大多数其他添加、删除或更改都可以通过书面或使用该服务进行. 金融机构保留以任何理由拒绝指定收款人的权利. 每个被金融机构接受的收款人将被分配一个收款人代码. Although you may pay almost any payee you wish, there are several restrictions: 1) The merchant must be located in the United States; 2) Payments may not be remitted to tax authorities or government and collection agencies; 3) Payments may not be remitted to security companies such as Ameritrade for stock purchases or trade taxing authorities and 4) Court directed payments are unauthorized (alimony, child support, or other legal debts). You may also use this system to send payments to your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc. 商人被定义为任何你想寄钱给的人(公司或个人).
如因票据不完整而无法付款,金融机构概不负责, incorrect, 或您提供的有关收款人的过时信息,或您试图支付不在您的授权收款人名单上的收款人.

ACCESSING THE SERVICE


When you complete your bill paying enrollment form, you will select a USER ID and Personal Identification Number (PIN). The financial institution will make every effort to accommodate your request. 每次使用服务时,系统会要求您输入用户编号及密码. Correct responses will give you access to the service.

THE BILL PAYING PROCESS



Single Payments
一个单一的付款将处理在工作日(通常是星期一到星期五, except certain holidays) that you designate as the payment’s process date, provided the payment is submitted prior to the daily cut-off time on that date. 每天的截止时间由金融机构控制,目前是CST下午2点 . 在指定处理日期的截止时间后提交的单笔付款将在下一个工作日处理. 如果您指定一个非业务日期(通常是周末和某些假日)作为支付流程日期, 付款将在指定处理日期后的第一个工作日进行.

Recurring Payments
在处理循环付款时,系统会自动重新安排付款时间. Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. 如果计算的流程日期是非业务日期(通常是周末和某些假日), it is adjusted based upon the following rules:

  • If the recurring payment’s "Pay Backward" option is selected, 新的付款发生的处理日期调整为计算处理日期之前的第一个业务日期.
  • 如果反复支付的“向后支付”选项没有被选中(或如果“向后支付”选项不可用), 新的付款发生的处理日期调整为计算处理日期之后的第一个业务日期.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, 或者将31日作为处理的特定月份,而该日期在计算处理日期的月份中不存在, 然后使用该月的最后一个日历日作为计算的处理日期.
For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid west subscribers, allow seven (7) days and for west coast subscribers, allow eight (8) days). Any bill payment can be changed or canceled, ,让你在营业日的截账时间前使用缴费服务, prior to the business day the bill payment is going to be initiated. 您同意在您指定的账户中有足够的资金用于支付所有要求的账单支付, as well as, any other payment obligations you have to the financial institution. The financial institution reserves the right, without liability, 如果您未能遵守此要求或本协议的任何其他条款,则拒绝或撤销账单付款. 如果您的帐户中没有足够的资金,而金融机构没有行使其权利撤销或拒绝账单付款, you agree to pay for such payment obligations on demand. You further agree the financial institution, at its option, 是否可以向您在金融机构的任何账户收取此类付款义务. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

LIABILITY


You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (PIN). 你须对你所进行的所有交易或你授权他人进行的所有交易负责,即使该人超出他或她的权限. If you want to terminate another person's authority, you must notify the financial institution and arrange to change your PIN. 您将对任何包含错误的账单支付请求或其他账单支付的副本负责. 如果您没有正确地按照付款说明进行付款,金融机构将不对未进行的付款负责. 如果您在得知您尚未收到收款人的账单付款信贷后,未能及时通知金融机构,该金融机构对任何未能支付账单的行为不承担责任. 本金融机构不对您或其他任何人的作为或不作为负责, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be the Financial Institution's agent. In any event, the financial institution will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this agreement or the service, even if the financial institution has knowledge of the possibility of them. The financial institution is not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond the financial institution's reasonable control.

AMENDMENT AND TERMINATION


金融机构有权随时通过以金融机构记录中账户显示的最后地址邮寄给您的通知更改本协议, by posting notice in branches of the financial institution, or as otherwise permitted by law.
金融机构有权随时终止本协议. 您可以书面通知金融机构终止本协议. 在金融机构有合理的机会根据您的终止通知采取行动之前,金融机构不负责支付任何固定的款项. 您仍有义务支付金融机构代表您支付的任何款项.

FEES


Monthly Fee Classic Bill Pay-e™

$0.00

Inactivity Fee

$4.95

Additional Charges for customer-requested Services and Other Items*

*这些费用只会在你申请其中一项或多项服务时才会被评估. 如果需要纠正金融机构的错误,将不收取任何费用.

 

Written correspondence to payee

$10.00

Per proof of payment not necessitated by a dispute

$10.00

Payments returned due to customer error

$5.00

Non-Sufficient Funds / Overdraft Fee

$27.50

金融机构保留对您的研究时间收取费用的权利,包括您的屏幕历史记录中不再出现的付款. You will be informed of any such charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement included, or, received when you opened your account, which discloses important information concerning your rights and obligations.

 

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