Common use of ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Clause in Contracts

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your VISA Debit Card and/or Personal Identification Number (PIN) has been lost, stolen, used without your authorization, or otherwise compromised. A telephone call is the best way to reduce any possible losses. You could lose all the money in your account plus your maximum overdraft line of credit if applicable. If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your periodic account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason such as a long trip or a hospital stay prevented you from telling us, we will extend the time period. Special Provisions for Transactions Conducted via VISA Debit Card (Zero Liability Protection): Unless you have been grossly negligent or fraudulent in the handling of your account or card, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. VISA’s Zero Liability Policy does not apply to ATM transactions or any transactions that are not processed by VISA. Contact in Event of Unauthorized Transfer If you believe your VISA Debit Card and/or PIN has been lost or stolen, call us at (000) 000-0000 or Cash Management at (000) 000-0000; or write NebraskaLand National Bank, Attn: Cash Management, XX Xxx 000, Xxxxx Xxxxxx, XX 00000. You should also call the number or write to the address listed on this disclosure if you believe a transfer has been made using the information from your check without your permission. Business Days For purposes of this disclosure, our Business Days are Monday through Friday. NebraskaLand National Bank Main branch is open 8AM to 12:00 PM CT on Saturdays. Holidays are not included. Transfer Types and Limitations Account Access You may use your VISA Debit Card to-  Withdraw cash from your checking or savings account.  Make deposits to your checking or savings account.  Transfer funds between your checking and savings accounts.  Get checking and savings account information.  Pay for purchases at places that have agreed to accept the card.  Pay bills directly from your checking account in the amounts and on the days you request. Some of these services may not be available at all terminals. Transactions are limited to accounts linked to the card. Prearranged Transfers-  You may make prearranged transfers for certain direct deposit to be accepted into your checking and/or savings account(s).  You may make arrangements to pay certain recurring bills from your checking and/or savings account(s). A paid or returned item fee of $25.00 may be assessed if your payment brings the account below $0.00.  You make arrangements for certain withdrawal to be made from your Certificate of Deposit account to another account. Telephone Transfers- You may access your account(s) by telephone at (000) 000-0000, 104#, using a touch tone phone, your account number, and PIN to-  Transfer funds between your checking and savings account(s).  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans. Computer Transfers- You may access your account(s) by computer by using Internet Banking at xxx.xxxxxxxxxxxxxxxxxxx.xxx and using your Username and password to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make payments from checking account to third parties if enrolled in Online Xxxx Pay. Mobile Banking Transfers- You may access your account(s) by web-enabled cell phone by downloading the Commerce Bank of Wyoming app and using your four (4) digit PIN to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make deposits via Mobile Deposit to checking or savings accounts (There is a $0.50 per item Mobile Deposit activity charge for more than 25 checks deposited monthly through Mobile Deposit Service. Refer to separate agreement for Mobile Deposit).  Get information about your deposit accounts and loans. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. See separate service agreements when enrolling in Mobile Banking and Mobile Deposit.

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your VISA Debit Card and/or Personal Identification Number (PIN) has been lost, stolen, used without your authorization, or otherwise compromised. A telephone call is the best way to reduce any possible losses. You could lose all the money in your account plus your maximum overdraft line of credit if applicable. If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your periodic account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason such as a long trip or a hospital stay prevented you from telling usdelayed notification to us due to extenuating circumstances, we will may extend the time period. Special Provisions for Transactions Conducted via VISA Debit Card (Zero Liability Protection): Unless you have been grossly negligent or fraudulent in the handling of your account or card, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. VISA’s Zero Liability Policy does not apply to ATM transactions or any transactions that are not processed by VISA. Contact in Event of Unauthorized Transfer If you believe your VISA Debit Card and/or PIN has been lost or stolen, call us at (000) 000-0000 or Cash Management at (000) 000-0000; or write NebraskaLand National Bank, Attn: Cash Management, XX Xxx 000, Xxxxx Xxxxxx, XX 00000. You should also call the number or write to the address listed on this disclosure if you believe a transfer has been made using the information from your check without your permission. Business Days For purposes of this disclosure, our Business Days are Monday through Friday. NebraskaLand National Bank Main branch is open 8AM to 12:00 PM CT on Saturdays. Holidays are not included. Transfer Types and Limitations Account Access You may use your VISA Debit Card to-  • Withdraw cash from your checking or savings account.  • Make deposits to your checking or savings account.  Refer to Funds Availability Disclosure. • Transfer funds between your checking and savings accounts.  • Get checking and savings account information.  • Pay for purchases at places that have agreed to accept the debit card.  • Pay bills directly from your checking account in the amounts and on the days you request. Some of these services may not be available at all terminals. Transactions are limited to accounts linked to the debit card. Prearranged Transfers-  • You may make prearranged transfers for certain direct deposit to be accepted into your checking and/or savings account(s).  • You may make arrangements to pay certain recurring bills from your checking and/or savings account(s). A paid or returned item fee of $25.00 may be assessed if your payment brings the account below $0.00.  • You make arrangements for certain withdrawal transfers of interest to be made from your Certificate of Deposit account to another account. Telephone Transfers- You may access your account(s) by telephone at (000) 000-0000, 104#, using a touch tone phone, your account number, and PIN to-  • Transfer funds between your checking and savings account(s).  • Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans. Computer Transfers- You may access your account(s) by computer or device by using Internet Online Banking at xxx.xxxxxxxxxxxxxxxxxxx.xxx and using your Username and password to-  Transfer funds between your checking and savings accounts.  • Make payments from checking or savings to loan accounts with us.  • Get information about your deposit accounts and loans.  • Make payments from checking account to third parties if enrolled in Online Xxxx Pay. Mobile Banking Transfers- You may access your account(s) by webusing an internet-enabled cell phone mobile device by downloading the Commerce Bank of Wyoming app and using your four (4) digit PIN to-  • Transfer funds between your checking and savings accounts.  • Make payments from checking or savings to loan accounts with us.  • Get information about your deposit accounts and loans.  • Make deposits via Mobile Deposit to checking or savings accounts (There is a $0.50 per item Mobile Deposit activity charge for more than 25 checks deposited monthly through Mobile Deposit Service. Refer to separate agreement for Mobile Deposit.).  • Get information about your deposit accounts and loans. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. See separate service agreements the Mobile Banking and Deposit Service Agreement when enrolling in Mobile Banking and Mobile Deposit.

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your VISA Debit Card debit card and/or Personal Identification Number (PIN) has been lost, stolen, used without your authorization, or otherwise compromised. A telephone call is the best way to reduce any possible losses. You could lose all the money in your account plus your maximum overdraft line of credit if applicable. If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your periodic account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason such as a long trip or a hospital stay prevented you from telling usdelayed notification to us due to extenuating circumstances, we will may extend the time period. Special Provisions for Transactions Conducted via VISA Debit Card (Zero Liability Protection): Unless you have been grossly negligent or fraudulent in the handling of your account or card, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. VISA’s Zero Liability Policy does not apply to ATM transactions or any transactions that are not processed by VISA. Contact in Event of Unauthorized Transfer If you believe your VISA Debit Card and/or PIN has been lost or stolen, call us at (0-000) -000-0000 or Cash Management at (000) 000-0000; or write NebraskaLand National Bank, Attn: Cash Management, XX Xxx 000, Xxxxx Xxxxxx, XX 00000. You should also call the number or write to the address listed on this disclosure if you believe a transfer has been made using the information from your check without your permission. Business Days For purposes of this disclosure, our Business Days are Monday through Friday. NebraskaLand National Bank Main branch is open 8AM to 12:00 PM CT on Saturdays. Holidays are not included. Transfer Types and Limitations Account Access You may use your VISA Debit Card to-  Withdraw cash from your checking or savings account.  Make deposits to your checking or savings account. Refer to Funds Availability Disclosure  Transfer funds between your checking and savings accounts.  Get checking and savings account information.  Pay for purchases at places that have agreed to accept the debit card.  Pay bills directly from your checking account in the amounts and on the days you request. Some of these services may not be available at all terminals. Transactions are limited to accounts linked to the debit card. Prearranged Transfers-  You may make prearranged transfers for certain direct deposit to be accepted into your checking and/or savings account(s).  You may make arrangements to pay certain recurring bills from your checking and/or savings account(s). A paid or returned item fee of $25.00 may be assessed if your payment brings the account below $0.00.  You may make arrangements for certain withdrawal transfers of interest to be made from your Certificate of Deposit account to another account. Telephone Transfers- You may access your account(s) by telephone at (000) 000-0000, 104#, using a touch tone phone, your account number, and PIN to-  Transfer funds between your checking and savings account(s).  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans. Computer Transfers- You may access your account(s) by computer by using Internet device at xxx.xxxxxxxxxxxxxxxx.xxx, selecting Online Banking at xxx.xxxxxxxxxxxxxxxxxxx.xxx login, and using your Username and password to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make payments from checking account to third parties if enrolled in Online Xxxx Pay. Mobile Banking Transfers- You may access your account(s) by webusing an internet-enabled cell phone mobile device by downloading the Commerce NebraskaLand Bank of Wyoming app and enrolling as a new user or by using your four (4) digit PIN to- established Online Banking User Name and Password.-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make deposits via Mobile Deposit to checking or savings accounts (There is a $0.50 per item Mobile Deposit activity charge for more than 25 checks deposited monthly through Mobile Deposit Service. Refer to separate agreement for Mobile Deposit.).  Get information about your deposit accounts and loans. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. See separate service agreements Mobile Banking and Deposit Service Agreement when enrolling in Mobile Banking and Mobile Deposit. Account to Account Transfer (Transfer Now) Introduction. This Account to Account Transfer Terms of Service document (hereinafter "Agreement") is a contract between you and NebraskaLand Bank (hereinafter "we" or "us") in connection with the Account to Account Transfer Service (as defined below) offered through our online banking site or mobile applications (the "Site"). This Agreement applies to your use of the Account to Account Transfer Service and the portion of the Site through which the Account to Account Transfer Service is offered.

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your VISA Debit Card debit card and/or Personal Identification Number (PIN) has been lost, stolen, used without your authorization, or otherwise compromised. A telephone call is the best way to reduce any possible losses. You could lose all the money in your account plus your maximum overdraft line of credit if applicable. If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your periodic account statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason such as a long trip or a hospital stay prevented you from telling usdelayed notification to us due to extenuating circumstances, we will may extend the time period. Special Provisions for Transactions Conducted via VISA Debit Card (Zero Liability Protection): Unless you have been grossly negligent or fraudulent in the handling of your account or card, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. VISA’s Zero Liability Policy does not apply to ATM transactions or any transactions that are not processed by VISA. Contact in Event of Unauthorized Transfer If you believe your VISA Debit Card and/or PIN has been lost or stolen, call us at (0-000) -000-0000 or Cash Management at (000) 000-0000; or write NebraskaLand National Bank, Attn: Cash Management, XX Xxx 000, Xxxxx Xxxxxx, XX 00000. You should also call the number or write to the address listed on this disclosure if you believe a transfer has been made using the information from your check without your permission. Business Days For purposes of this disclosure, our Business Days are Monday through Friday. NebraskaLand National Bank Main branch is open 8AM to 12:00 PM CT on Saturdays. Holidays are not included. Transfer Types and Limitations Account Access You may use your VISA Debit Card to-  • Withdraw cash from your checking or savings account.  • Make deposits to your checking or savings account.  Refer to Funds Availability Disclosure • Transfer funds between your checking and savings accounts.  • Get checking and savings account information.  • Pay for purchases at places that have agreed to accept the debit card.  • Pay bills directly from your checking account in the amounts and on the days you request. Some of these services may not be available at all terminals. Transactions are limited to accounts linked to the debit card. Prearranged Transfers-  • You may make prearranged transfers for certain direct deposit to be accepted into your checking and/or savings account(s).  • You may make arrangements to pay certain recurring bills from your checking and/or savings account(s). A paid or returned item fee of $25.00 may be assessed if your payment brings the account below $0.00.  • You may make arrangements for certain withdrawal transfers of interest to be made from your Certificate of Deposit account to another account. Telephone Computer Transfers- You may access your account(s) by telephone device at (000) 000-0000xxx.xxxxxxxxxxxxxxxx.xxx, 104#, using a touch tone phone, your account numberselecting Online Banking login, and PIN using your Username and password to-  • Transfer funds between your checking and savings account(s)accounts.  • Make payments from checking or savings to loan accounts with us.  • Get information about your deposit accounts and loans. Computer Transfers- You may access your account(s) by computer by using Internet Banking at xxx.xxxxxxxxxxxxxxxxxxx.xxx and using your Username and password to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  • Make payments from checking account to third parties if enrolled in Online Xxxx Pay. Mobile Banking Transfers- You may access your account(s) by webusing an internet-enabled cell phone mobile device by downloading the Commerce NebraskaLand Bank of Wyoming app and enrolling as a new user or by using your four (4) digit PIN to-  established Online Banking User Name and Password.- • Transfer funds between your checking and savings accounts.  • Make payments from checking or savings to loan accounts with us.  • Get information about your deposit accounts and loans.  • Make deposits via Mobile Deposit to checking or savings accounts (There is a $0.50 per item Mobile Deposit activity charge for more than 25 checks deposited monthly through Mobile Deposit Service. Refer to separate agreement for Mobile Deposit.).  • Get information about your deposit accounts and loans. You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider for details on specific fees and charges. See separate service agreements Mobile Banking and Deposit Service Agreement when enrolling in Mobile Banking and Mobile Deposit. Account to Account Transfer (Transfer Now) Introduction. This Account to Account Transfer Terms of Service document (hereinafter "Agreement") is a contract between you and NebraskaLand Bank (hereinafter "we" or "us") in connection with the Account to Account Transfer Service (as defined below) offered through our online banking site or mobile applications (the "Site"). This Agreement applies to your use of the Account to Account Transfer Service and the portion of the Site through which the Account to Account Transfer Service is offered.

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your accountConsumer liability. Some of these may not be available at all terminals. Please read this disclosure carefully because it tells you your rights and obligations for these transactions. You should keep this notice for future reference. Unauthorized Transfers – Consumer Liability Tell us AT ONCE if you believe your VISA Debit Card and/or Personal Identification Number (card, account number, PIN) , or passcode has been lost, lost or stolen, used or if you believe that an electronic funds transfer has been made without your authorization, or otherwise compromisedpermission using information from your account. A telephone call Telephoning us is the best way to reduce any of keeping your possible losseslosses down. You could lose all the money in your account (plus your maximum overdraft line of credit if applicablecredit). If you tell us within two (2) business days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do NOT tell us within two (2) Business Days after you learn of such the loss or thefttheft of your card, account number, PIN, or passcode, you can lose no more than $50 if someone used your card, account number, PIN, or passcode without your permission. If you do NOT tell us with in two (2) Business Days after you learn of the loss or theft of your card, account number, PIN, or passcode, and we can prove that please we could have prevented the unauthorized use of stopped someone from using your password card, account number, PIN, or other means to access passcode without your account permission if you had told us, you could be liable for lose as much as $500.00500. If Also, if your periodic account statement contains shows transfers that you did not authorizemake, you must including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) 60 days after the FIRST statement on which the unauthorized transfer appeared was sent delivered to you, you may lose not get back any amount transferred without your authorization money you lost after the sixty (60) 60 days if we can prove that we could have stopped stop someone from taking the money if you had you told us in time. If a good reason (such as a long trip or a hospital stay prevented stay) kept you from telling us, we will extend the time periods for a reasonable period. Special Provisions Additional Limit on Liability for Transactions Conducted via VISA Debit Card (Zero Liability Protection): Unless you have been grossly negligent or fraudulent in the handling of your account or Mastercard debit card, you . You will not be liable for any unauthorized on authorized transactions using your lost Mastercard debit card if: (i) you can demonstrate that you have exercised reasonable care in safe guarding your card from the risk of loss or stolen VISA Debit Cardtheft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. VISA’s Zero Liability Policy does not apply to ATM transactions or any transactions that are not processed by VISA(Mastercard is a registered trademark of Mastercard International Incorporated). Contact in Event of Unauthorized Transfer Transfer. If you believe your VISA Debit Card and/or card, account number, PIN or passcode has been lost or stolen, call us at (000) -000-0000 or Cash Management write to us at (000) 000-0000; or write NebraskaLand National BankUniverse Silver Demand Deposit Account, Attn: Cash ManagementPO Box 124, XX Xxx 000Dell Rapids, Xxxxx Xxxxxx, XX 00000SD 57022. You should also call the number or write to the address listed on this disclosure above if you believe a transfer has been made using the information from your check account without your permission. Business Days For purposes of this disclosureATM Operator/Network Fees. When you use an ATM not owned by us, our Business Days are Monday through Friday. NebraskaLand National Bank Main branch is open 8AM to 12:00 PM CT on Saturdays. Holidays are not included. Transfer Types and Limitations Account Access You may use your VISA Debit Card to-  Withdraw cash from your checking or savings account.  Make deposits to your checking or savings account.  Transfer funds between your checking and savings accounts.  Get checking and savings account information.  Pay for purchases at places that have agreed to accept the card.  Pay bills directly from your checking account in the amounts and on the days you request. Some of these services may not be available at all terminals. Transactions are limited to accounts linked to the card. Prearranged Transfers-  You may make prearranged transfers for certain direct deposit to be accepted into your checking and/or savings account(s).  You may make arrangements to pay certain recurring bills from your checking and/or savings account(s). A paid or returned item fee of $25.00 may be assessed if your payment brings the account below $0.00.  You make arrangements for certain withdrawal to be made from your Certificate of Deposit account to another account. Telephone Transfers- You may access your account(s) by telephone at (000) 000-0000, 104#, using a touch tone phone, your account number, and PIN to-  Transfer funds between your checking and savings account(s).  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans. Computer Transfers- You may access your account(s) by computer by using Internet Banking at xxx.xxxxxxxxxxxxxxxxxxx.xxx and using your Username and password to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make payments from checking account to third parties if enrolled in Online Xxxx Pay. Mobile Banking Transfers- You may access your account(s) by web-enabled cell phone by downloading the Commerce Bank of Wyoming app and using your four (4) digit PIN to-  Transfer funds between your checking and savings accounts.  Make payments from checking or savings to loan accounts with us.  Get information about your deposit accounts and loans.  Make deposits via Mobile Deposit to checking or savings accounts (There is a $0.50 per item Mobile Deposit activity charge for more than 25 checks deposited monthly through Mobile Deposit Service. Refer to separate agreement for Mobile Deposit).  Get information about your deposit accounts and loans. You may be charged access fees a fee by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your cell phone provider the ATM operator or network used (and you may be charged a fee for details on specific fees and charges. See separate service agreements when enrolling in Mobile Banking and Mobile Deposita balance inquiry even if you do not complete a fund transfer).