Common use of Mobile Banking Clause in Contracts

Mobile Banking. If we approve Mobile Banking for your accounts, your accounts can be accessed using Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollment. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Mobile Banking. At the present time, you may use Mobile Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Money Market, Overdraft Loan, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees. Additionally, consult with your mobile device service provider regarding any fees and charges that may be imposed by the provider.

Mobile Banking. If we approve Mobile Banking for your accounts, your accounts can be accessed using Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollment. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Mobile Banking. At the present time, you may use Mobile Banking to:  ❖ Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  ❖ Transfer funds from your Savings, Checking, Money Market, Overdraft Loan, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ Obtain balance and transaction information for your deposit, loan and certificate accounts.  ❖ Make loan payments from your Savings, Checking, and Money Market accounts.  ❖ Determine if a particular item has cleared.  ❖ Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees. Additionally, consult with your mobile device service provider regarding any fees and charges that may be imposed by the provider.

Mobile Banking. If we approve Mobile Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Mobile Banking to: - Withdraw funds from your savings, checking, money market, club, and line of credit or Visa Credit Card accounts. - Transfer funds from your savings, checking, club, and line of credit or Visa Credit Card accounts. - Make transfers from financial institution to financial institution. - Deposit checks using Remote Xpress Deposit; refer to separate terms and conditions for more details. - Obtain balance information for your savings, checking, loan, money market, club, certificate, and line of credit or Visa Credit Card accounts. - Make loan payments from your savings, checking, money market, club, and line of credit or Visa Credit Card accounts. - Access your line of credit accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on savings, checking, and money market, vacation club and christmas club accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Make xxxx payments to preauthorized creditors. - Stop payment and disable cards Your accounts can be accessed using under Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollmentThis service may be interrupted for a short time each day for data processing. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Mobile Banking. At the present time, you may use Mobile Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Money Market, Overdraft Loan, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth in be limits on the Credit Union’s Schedule duration of Feeseach access. Additionally, consult with your mobile device service provider regarding any fees The following limitations on Mobile Banking transactions may apply: - See separate terms and charges conditions agreement for Mobile Banking. - See Section 2 for transfer limitations that may be imposed by the providerapply to these transactions.

Mobile Banking. If we approve Mobile Banking for your accounts, your accounts can be accessed using Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollment. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Mobile Banking. At the present time, you may use Mobile Banking to:  ❖ Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check.  ❖ Transfer funds from your Savingssavings, Checkingchecking, Money Market, Overdraft Loan, and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts.  ❖ Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts.  ❖ Access your Home Equity loan. ❖ Determine if a particular item has cleared.  ❖ Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts.  ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees. Additionally, consult with your mobile device service provider regarding any fees and charges that may be imposed by the provider.

Mobile Banking. If we approve Mobile Banking for your accounts, your accounts can be accessed using Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollment. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Mobile Banking. At the present time, you may use Mobile Banking to:  Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check.  Transfer funds from your Savingssavings, Checkingchecking, Money Market, Overdraft Loan, and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts.  Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts.  Access your Home Equity loan.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees. Additionally, consult with your mobile device service provider regarding any fees and charges that may be imposed by the provider.

Mobile Banking. If we approve Mobile You may use your web-enabled mobile phone to access Online Banking and view the following: account balances, transaction history, scheduled payments, payment history, account alerts, check account status and send and receive secured messages from BHFCU. You may also conduct a transfer and schedule a payment. You may also receive account information over SMS and set up alerts for your accounts, your accounts can be accessed using . Please refer to the Terms and Conditions for Mobile Banking via mobile device or other approved access device(s)disclosure accompanying this document for additional information about SMS function. Mobile Banking will be available for your convenience 24 hours per day. Access to Mobile Banking requires Online Banking enrollment. By signing the Credit Union’s Membership Application you agree to the All terms and conditions of this Membership Agreement and any User Agreement governing applicable to Online Banking apply to Mobile Banking. At the present time, you You may be charged access rates depending on your carrier. Online web access is needed to use Mobile Banking to:  Withdraw funds from Banking. Check with your Savings, Checking, Overdraft Loan, Home Equity Loan, service provider for specific fees and Money Market accounts by requesting a checkcharges.  Transfer funds from your Savings, Checking, Money Market, Overdraft Loan, and Home Equity Loan accountsONLINE ACCOUNT OPENING SERVICE You may also access BHFCU’s Online Account Opening Service. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve When you utilize this service you will receive important disclosures electronically depending on the account. All checks are payable to you as a primary member and will be mailed to your address type of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, product or service requested and you will automatically be notified set-up to receive your monthly or quarterly statements electronically via our online banking system. You will receive an email or SMS/Text message once your statement is ready for viewing and printing. Please refer to the “Types of those limitsElectronic Communications You Will Receive” and “e-Statement Disclosure” areas of this Agreement for detailed information. The Credit Union may impose ENFORCEMENT. You agree to be liable to BHFCU for any liability, loss, or expense as provided in this Agreement that BHFCU incurs as a service fee as set forth in result of any dispute involving your accounts or services. You authorize BHFCU to deduct any such liability, loss, or expense from your account without prior notice to you. In the Credit Union’s Schedule event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of Fees. Additionally, consult with your mobile device service provider regarding any its reasonable attorney's fees and charges that may be imposed by the providercosts, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.