“Mobile Check Deposit Service” means all information, web-based services, technological infrastructure and installed software on Your Mobile Device which allow You to remotely perform banking activities, including but not limited to, submitting Checks for deposit through the internet, as well as the check processing services to be performed by Us upon submission of Substitute Checks through the Mobile Check Deposit Service. Certain restrictions apply. We shall establish and assign deposit limits for the Service (including limits on the dollar amount and/or number of Checks that You may transmit through the Service each day) and may modify such limits from time to time in Our sole discretion, and You agree to comply with all such limits. Make sure all four corners of the check are in the picture frame and that the check is lying as flat as possible on a dark colored background. We do not sell, trade, or give away this information without Your consent, unless We are required to provide this information pursuant to any law, subpoena, or other governmental requirements. Checks must be submitted by You through the Mobile Check Deposit Service in accordance with Our internal procedures and all state and federal laws during any Business Day, subject to the cutoff time of 4 pm CST. Securely store the original check until either you see it deposited into your account or for 14 days after it has been submitted, whichever is less. 3. For a check payable to You and any joint owner(s) of Your Account, the Check must be endorsed by all such payees and You may only use Mobile Check Deposit to deposit such Check into an Account jointly owned by all such payees. $10 monthly service charge is also waived if any owner of the account is under age 25. It is understood that this Service may be modified or discontinued at any time. Mobile deposits may be rejected for any of the following reasons: The software could not easily read the check Retake the picture. You agree to comply with any additional instructions We may provide to You in connection with returned Checks. By signing this Consent, You agree to the terms and conditions of the Mobile Deposit Schedule and agree to receive in electronic form, online: (i) Your Mobile Deposit Schedule including any disclosures such as those required under the federal Electronic Funds Transaction Act and its implementing Regulation E; and (ii) any notices related to the Agreements, as well as any amendments or other changes in terms to them. Whenever the Security Procedures include assigning to You a confidential password, logon, identification credentials, identification code, person or location identification number, repetitive code, or similar security devices, You shall not disclose such security device except to agents authorized to act for You in connection with the Service. The Agreements and all Notices provided in electronic format from Us to You will be considered “in writing.” You should print a copy of the Agreements and all Notices or download them to Your desktop for Your records. What are the limits on the dollar amount and the number of deposits I can make? All other provisions and responsibilities outlined in this Agreement survive beyond the termination of Service. With our standard funds availability, deposits completed before 10 p.m. Any attempt to use the Mobile Check Deposit Service for fraudulent or illegal purposes will result in immediate termination. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. Visit a branch and our team members can accept deposits that exceed these limits, or you can deposit checks at … Continued enrollment in The Bank of Missouri Online Banking Agreement and Disclosure Statement requires that You agree to receive all Notices electronically. First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri. e) Processing. You further agree that any image that We charge back may be in the form of an electronic or paper reproduction of the original Check or a Substitute Check. e) Except to the extent superseded by Federal law, the provisions of Mobile Check Deposit Service and the terms of this Mobile Check Deposit Schedule shall be governed by the laws of the state of Missouri. Please remember that deposited checks are your responsibility. After You receive confirmation that We have received an image, You must securely store the original Check and retain the Check for fourteen (14) days and make the original paper Check accessible to Us upon request. Reason: There is a discrepancy between the amount entered and the amount for which the check is written. Please contact your wireless provider for details. f) Fees. When will my funds be available / released from the hold? The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. Deposits submitted before 11 PM Eastern time on a business day generally will be available by the next business day. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's checks, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. Funds deposited using the Mobile Check Deposit Service … You can even enroll right within the app. c) Hardware and Software Requirements. You can update information by contacting Us at 888-547-6541. This policy statement applies to all deposit accounts. ET on a business day will be available the next day at no charge. Mobile Banking. PURPOSE OF THIS DISCLOSURE The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. By accessing and using the Mobile Check Deposit Services You acknowledge that You have received, read in its entirety, understand and agree to be bound by the terms and conditions of this Mobile Deposit Schedule as currently in effect and as modified from time to time. Reason: The item has already been deposited. Schedule to: The Bank of Missouri Online Banking Agreement and Disclosure Statement and Electronic Notice and Consent Agreement-Rev110212 (the “Mobile Deposit Schedule”). How it Works. Upload your check into the Axos Bank mobile app. Cash, electronic direct deposits, wire transfers and checks drawn on Associated Bank will be available on the Business Day we receive the deposit. We will disregard any notation on a Check containing “paid in full” or other restrictive notation, whether preprinted or handwritten, and treat any such Check as though such notation did not appear thereon. See details about mobile deposit limits within digital banking by logging into our mobile app and selecting deposit check. Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. The information here describes our policy of holding deposited items in an account before funds are made available to you for withdrawal. You will see a message that says “Deposit Accepted” in the app, and you will receive an email confirmation once the deposit has been approved. Immediate Funds sm from Fiserv is an instant check cashing platform that will help you deepen relationships by offering your customers or members instant access to funds when they deposit checks through teller, mobile and ATM channels.. (“Security Procedures”) You agree that any such mutually agreed-upon Security Procedures shall be deemed commercially reasonable. E-SIGN and other laws and regulations require Us to provide certain information in writing. We shall have no obligation to disclose arrangements with third parties to You or obtain Your consent thereto. Deposits submitted on weekends, federal holidays and Monday through Friday after 5 p.m. CST are typically processed the following business day. Federal law provides some limitations on holding periods, but banks set their own policies. You may not use the Service to deposit a Substitute Check and You may not deposit the original Check through the Service or in any other manner if You receive a dishonored Check. This Mobile Check Deposit Schedule should not benefit any third party; Section headings are used for convenience only and do not affect the meaning of this Agreement. You may terminate the Service at any time by contacting Us at (888) 547-6541. Step 3. You must complete each deposit promptly. f) Storage, Security and Destruction/Disposal of Checks.It is Your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. We use multiple security layers, including data encryption, to protect information sent and received. Your information may also be available to Carriers and their third party providers over which we have no control. First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri. Continued Enrollment in Online Banking requires acceptance of Electronic Notices. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. As soon as you see the deposit in your account transactions, you can use it. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. We will provide You with notice of any deposits that We are unable to process because Checks were returned unpaid by the payor financial institution. We may add a fee or other charges for use of the Mobile Check Deposit Service if We provide you with written notice at least thirty (30) days before implementing the fee or additional charge and You agree that continued use of the Mobile Check Deposit Service will constitute acceptance of such fee or additional charge. The Electronic Signatures and National Commerce Act (E-SIGN) is a federal law passed in 2000. We may transfer or assign the Agreements without Your consent, although We will make every effort to notify You of the transfer. To the extent that funds in Your Account are insufficient to cover such amount, We shall debit the deficiency amount from any of Your other account(s) with Us in our sole discretion. Funds availability describes when you can access money you deposit into your bank account. Have questions about funds availability when using Mobile Deposits? And you’re on to what’s next. You understand and agree that We reserve the right to change these hardware and software requirements at any time upon notice to You. Checks received by us after the Cutoff Time or on a day that is not a business Day will be processed and deposited on the next Business Day. We shall have the right to correct the amount in the data field for any Check that has an incorrect amount to be consistent with the image of the Check. Our Funds Availability Policy is outlined below: YOU SHOULD KNOW THAT: Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. We may also terminate the Mobile Check Deposit Service for any reason if We determine that We may be at risk as a result of Your use of the Mobile Check Deposit Service. Yes, mobile deposits have transaction and dollar amount limitations. Checks need to be payable to the account owner or any joint owner(s) and must be properly endorsed with: ***The daily and monthly limits have been temporarily increased from the usual limits shown below. We will process Checks that you submit and We receive through the Mobile Check Deposit Service. We shall not be liable for any loss or damage resulting from fraudulent, unauthorized or otherwise improper use of any security devices. MOBILE DEPOSIT FUNDS AVAILABILITY POLICY DISCLOSURE. We will provide You with notice of any such termination or change as required by law. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Check image: the amount of the Check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and all 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 endorsements applied to the back of the Check). 8. Should any term or provision of the Agreements be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect. See how to use Mobile Check Deposit in The Bank of Missouri app. You shall implement such safeguards as are reasonably necessary to ensure the confidentiality and integrity of such security devices, and shall immediately notify Us if the confidentiality or integrity of any such security device is breached or threatened. I deposited a check. Deposit accounts must be in good standing. Check Deposits can now be made directly within the personal My Bank Mobile app! Electronic direct deposits will be available on the day we receive the deposit. We shall not be obligated to act on a communication not transmitted in accordance with the Security Procedures and may refuse to act on any communication when We doubt its authorization, contents, origination or compliance with the Security Procedures in Our reasonable judgment. Items transmitted using the Deposit Services are subject to our Funds Availability Policy. Visit our mobile deposit informational page to see step-by-step instructions on making a deposit using the app, or watch a video. ***The daily and monthly limits have been temporarily increased from the usual limits shown below. a) This Mobile Check Deposit Schedule, the BOM Online Banking Agreement and the Designated Account Agreement represent the complete and exclusive statement of Your rights to access and use the Mobile Check Deposit Service. If the Check is payable to You and any non-joint owner, You may not deposit the Check into Your Account using the Service. You must create an image of each Check that accurately represents all information on the front and back of the original Check. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. Get answers about fees, limits, when your funds become available and more. For example, the checks must be payable to you . All you need is an iPhone, iPad, or Android device with the latest version of The Bank of Missouri Mobile app. When possible, make mobile deposits by 5:00 pm HST (12 noon Palau, 1 pm Guam/Saipan) on business days for quickest access to funds. If the check you deposit is returned “unpaid” for any reason, the amount of the check will be deducted from your account balance, even if we have made the funds available to you. We reserve the right to reject any Check or item deposited through the Service. Fast, Secure, and Free. Funds are normally received within two business days. b) This agreement is in addition to, and does not change or cancel, any other agreement between You and Us governing Your relationship with The Bank of Missouri. You agree that all images and files transmitted to Us through the Service will contain no viruses or any other disabling features that may have an adverse impact on Our network, data, or related systems. However, we may delay availability if we require further review of the deposit. If You prefer to receive paper Notices, You have the right to withdraw Your consent, in which case We will cancel Your Online and Mobile Banking access. You will be linking to another website not owned or operated by The Bank of Missouri. To find out when your deposits are available for use, please refer to TD Bank’s Funds Availability Policy, which can be found in the following: Personal Deposit … Registered Zelle recipient. The eligibility requirements to access and use the Mobile Check Deposit Service are printed on the enrollment form. Deposits Made by Mobile Banking/Remote Deposit Capture. d) Security Procedures. View Our Funds Availability Disclosure. On the next business day (Tuesday), a bill payment goes out for $400. The provision of the banking services contained in this Schedule is subject to and expressly contingent upon Your execution of The Bank of Missouri Online Banking Agreement and Disclosure Statement Agreement. In the event of any inconsistency, the Agreements and theDesignated Account Agreement, the Designated Account Agreement will govern. 10. After the retention period, write “VOID” across the front of the check in black or blue ink and then destroy it by cross-cut shredding or another commercially acceptable means of destruction. The Mobile Check Deposit Service will be available twenty-four (24) hours a day, seven(7) days a week, subject to temporary interruptions for scheduled maintenance or system unavailability beyond Our control. If you make a deposit during regular business hours, we will consider that the day of your deposit. As Our customer, You give Us information about Yourself that We use to conduct Our business with You. Schedule to: The Bank of Missouri Online Banking Agreement and Disclosure Statement Agreement and Electronic Notice and Consent Agreement-Rev110212 (the “Mobile Deposit Schedule”). After destruction of the original Check, the image will be the sole evidence of the original Check. Business hours vary by location and all items received during posted operating hours, Monday through Friday, will be considered received on the current business … Checks will not have $250 of same business day availability and will not be available funds until the sixth business day after the day of your deposit. Mobile Banking is convenient, easy, secure and banking when you need it. As used in the Agreement, the following defined terms shall apply: "Carrier" means a network operator that provides the means to receive and transmit data using a Mobile Device. Mobile Check Deposit could have rejected your check for any of the following reasons: Reason: The check could not be read by the software. 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