Electronic Banking. How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a debit card ("card") when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled Business Debit Card Agreement. Before using your card, please review the corresponding agreement carefully. You may access your SouthState account(s) attached to your card by using your card and PIN to: • deposit funds in your checking account(s) and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only); and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). What limits do we place on ATM transactions? We reserve the right to limit the dollar amount of checks and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction for using the ATM machines. Please refer to the Business Account Fee Schedule for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. How do we handle your preauthorized electronic payments? Stop Payment and Procedure. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call 0-000-000-0000 or write us at SouthState Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000, Xxxxxxxxxx, Xxxxx Xxxxxxxx 00000, in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we may also require you to put your request in writing and send it to us no later than 14 days after your call. If you fail to do so, your stop payment may expire following the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable fee.
Appears in 1 contract
Samples: Account Agreement
Electronic Banking. We offer a number of electronic banking services for your accounts, as further described below. In addition to the information set forth below, we also provide certain separate disclosures that pertain to some accounts, and we have separate agreements that govern the terms of some services, including separate agreements and/or disclosures for ATM cards, debit cards, Online Banking, Business Link, Mobile Banking, and mobile wallet payments (i.e., Apple Pay and Android Pay). How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a VISA™ debit card ("a “card"”) and, in each case, a PIN, when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled VISA Business Debit Card AgreementDisclosure. Before using your card, please review the corresponding agreement carefully. How do you enroll in Online Banking? You may access elect to enroll in our Online Banking services by visiting xxx.xxxxxxxxxxxxxx.xxx. Online banking is governed by separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Online Banking service. How do you enroll in Mobile Banking? We also offer Mobile Banking. You must be enrolled in Online Banking to use our Mobile Banking services. To enroll in Mobile Banking, you may download our app from iTunes or Google Play stores. Mobile Banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Mobile Banking service. How do you enroll in Business Link? We also offer Business Link, which is a separate platform from Online Banking. To enroll in Business Link, please contact your SouthState account(s) attached South State business banker. Business Link is governed by the Business Link Agreements, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Business Link platform. How can you use text messaging services? We also offer banking services using text messaging services. You must be enrolled in Online Banking to use our text banking services. Text banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the text banking service. You are responsible for any fees charged by your cellular phone service provider in connection with your use of text banking services. Can you send or receive preauthorized payments via electronic funds transfer? We permit you to send or receive electronic transfers to or from your accounts. These transactions may take one of several forms, such as one-time ACH transactions or a scheduled, recurring payment or deposit from or to your card by using your card and PIN to: • deposit funds in your checking account(saccount. We will ask that you sign an Electronic Funds Transfer form (“EFT Authorization”) and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash authorizing us make these payments from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only); and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). What limits do we place on ATM transactions? We reserve The EFT Authorization supplements the right to limit the dollar amount terms of checks this Agreement and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction provides additional terms and limitations for electronic funds transfers using the ATM machinesthis service. Please refer to the Business Account Fee Schedule Online Banking agreement for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful instructions regarding preauthorization in all jurisdictions in which the cardholder may be located. Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. How do we handle your preauthorized electronic payments? Stop Payment and Procedure. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call 0-000-000-0000 or write us at SouthState Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000, Xxxxxxxxxx, Xxxxx Xxxxxxxx 00000, in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we may also require you to put your request in writing and send it to us no later than 14 days after your call. If you fail to do so, your stop payment may expire following the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable feeMobile Banking.
Appears in 1 contract
Samples: General Legal Agreement
Electronic Banking. 16 How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a debit card ("card") when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled Business Debit Card Agreement. Before using your card, please review the corresponding agreement carefully. You may access your SouthState account(s) attached to your card by using your card and PIN to: • deposit funds in your checking account(s) and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only); and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). 16 What limits do we place on ATM transactions? We reserve the right to limit the dollar amount of checks and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction for using the ATM machines. Please refer to the Business Account Fee Schedule for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. 17 Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. 17 Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission 17 How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. 17 How do we handle your preauthorized electronic payments? Stop Payment 17 What liability do we have to you for incomplete transactions? 17 What is our phone number and Procedureaddress? 17 What is a "business day"? 17 DIGITAL BANKING SERVICES 18 FUNDS TRANSFER SERVICES 18 What transfer fees will we charge you? 18 How do we process and send funds transfers? 18 How do we receive funds transfers for your account? 18 What additional rules, if any, apply to ACH Debits and Credits? 19 Can I make a transfer using Phone Banking? 19 INTEREST / TAX REPORTING 19 UNLAWFUL INTERNET GAMBLING 19 OTHER RIGHTS APPLICABLE TO ACCOUNTS 19 Welcome to SouthState Bank, N.A. Thank you for opening an account with SouthState Bank, N.A. We are pleased you have chosen to bank with us and look forward to serving you now and in the future. This Business Deposit Account Agreement ("Agreement") includes the following disclosures that may be listed on your Account Agreement (herein referred to as a "signature card": Terms & Conditions, Funds Availability, and Substitute Checks. In this Agreement, "SouthState," "Bank," "we," "our," and "us" refers to SouthState Bank, N.A. "Depositor," "you" and "“your" refers to each owner and each person with the authority to deposit, withdraw, or exercise control over the funds in the account. GENERAL LEGAL AGREEMENT What is the purpose of this Agreement? Please read this entire Agreement carefully and keep it in a convenient location for future reference. This Agreement, along with the other disclosures provided at the time you opened your account, govern your deposit account with SouthState and supersede all previous business deposit account agreements. The term "other disclosures" may include, but is not limited to, a separate schedule of rates, qualifying balances, specific account terms and fees. By opening an account, providing a written or electronic signature card or other agreement or contract, conducting transactions on your account, and continuing to hold an account with us, you acknowledge you have read, understand and agree to this Agreement (as well as any future modifications, changes or supplements made to this Agreement, if any, in accordance with this Agreement) and other disclosures provided at the time of account opening. What law governs this Agreement? This Agreement, and your rights and obligations under this Agreement are governed by and interpreted according to federal law, and to the extent state law applies, the laws of the state of Florida. In the event of a conflict between federal and state law, or if state law is preempted by federal law, federal law shall control. What is a dispute? A dispute is any claim, dispute, or controversy, whether arising in contract or tort, or by statute, and whether for money damages, penalties, or equitable relief, by either you or us against the other or its employees or agents, arising from or in connection with or relating in any way to this Agreement or the relationship between you and us. How do we resolve disputes under this Agreement (Waiver of Jury Trial)? UNLESS OTHERWISE PROHIBITED BY LAW WE AND YOU KNOWINGLY WAIVE OUR RESPECTIVE RIGHTS TO A JURY TRIAL. To the extent allowed by law, all claims, disputes, and other matters in question between us and you shall be tried to a judge sitting without a jury. This waiver includes but is not limited to those disputes arising out of, or relating to, the account, this Agreement or the validity, interpretation, enforceability, or breach thereof and any claims arising under federal, state, or common law. The procedures specified in this paragraph shall be the sole and exclusive procedures for the resolution of disputes between the parties arising out of or relating to this Agreement or the account. What is the relationship between a Bank and Depositor? When you open an account with the Bank, a debtor/creditor relationship is created. You agree, unless otherwise expressly agreed by us in writing, the deposits in your account are general deposits. You further agree the relationship between us, and you are solely that of debtor/bank and creditor/depositor, and we are not acting as your fiduciary. You agree not to bring any claim against the Bank based on an assertion that the Bank has breached a fiduciary duty. How and when will we notify you of changes to this Agreement? The terms of this Agreement may change at any time. We may add new terms, delete, or amend existing terms, add new accounts and services, modify, or add fees, or discontinue existing accounts or services. We may convert existing accounts or services into new accounts and services. We may also change or supplement this Agreement. In some instances, we may make changes without prior notice to you, if the changes are made for security reasons or if we believe they are either beneficial or not adverse to you. However, we will send you advance notice of any changes to the Agreement that may have an adverse effect on your account. Notice will be provided prior to the effective date of the change as required by applicable law. These changes will be communicated to you through hardcopy or electronic written notice, which will explain the changes and instructions on how to obtain a current version of a revised Agreement at your local branch or online at our website, xxx.XxxxxXxxxxXxxx.xxx. Upon the effective date of a change, the revised version of the Agreement will govern your account and supersede all prior versions, regardless of whether you obtain a copy from your branch or online. Continued use of your account following a notice of change will indicate your acceptance of the changes. If you do not agree with a change, you may close your account as provided in "When can an account be closed?" section below. What agreement applies when there is a separate agreement for a service? If a service we offer has a separate agreement, and a conflict exists between this Agreement and the separate agreement, the separate agreement will control. INFORMATION ABOUT YOU AND YOUR ACCOUNT What do you need to know about procedures for opening a new account? To help the government fight the funding of terrorism and money laundering activities, federal law requires us to obtain, verify, and record information about each person who opens an account and the Beneficial Owners of all Legal Entity Customers. Therefore, when you open an account, we will ask for the business name, its organizational documents, address (physical and mailing), the name, address, date of birth, and social security number (or similar information) for each individual, if any, who owns, directly or indirectly, 25% or more of the equity interests of a legal entity customer and any individual with significant responsibility for managing the Legal Entity Customer ("Beneficial Owner"), and other information that will allow us to identify you. See the "What must you do if the Beneficial Owners change?" section below for definitions and additional information. We may also ask to see and/or make copies of unexpired identification cards, such as a driver's license or other photo identification. We will take steps to ensure we have told a reasonable assurance of your identity and may contact you for additional information if necessary. If we are unable to verify your identity in accordance with our policies, we will not open your account, or we may close the account if it was previously funded. When you open an account or are added as an authorized signer on an account, can we make credit and other inquiries about you? By accepting this Agreement, you authorize us to request information about you from consumer reporting agencies or other information agencies for the purposes of verifying your identity, determining if we should open, maintain, or close your account, or for other general business purposes. Upon your request, we will tell you whether we requested a consumer report or information from another source and provide the reporting agency's contact information. Can we report negative account information about you? If we close your account due to improper management of the account (i.e. overdrawn, unpaid balances), we may report negative account information to consumer reporting agencies or other account information agencies or companies. If you believe we have reported inaccurate information about your account to a consumer reporting agency, written notice describing the inaccuracy should be sent to us at the following address: SouthState Bank, N.A. X.X. Xxx 000000 Xxxxxxxxxx, XX 00000 How will we use your telephone number? When you provide your telephone number to us, you are authorizing us to place calls to you at that number. This applies to both land line phone numbers and cell phone numbers. "Calls" include both telephone calls and text messages to or from your phone or cell phone. By way of example and without any limitation, we may place calls/texts to you about fraud alerts, deposit holds, or amounts you owe us (collection calls) on your account. By providing us with a telephone number for a cellular phone or other wireless device, you are expressly consenting to receiving communications, including but not limited to, prerecorded or artificial voice message calls, text messages, and calls made by an automatic telephone dialing system, from us and our affiliates and agents at that number. This express consent applies to each such telephone number you provide to us now or in advance the future and permits such calls regardless of their purpose. Calls and messages may incur fees from your cellular provider. By maintaining an account with us, you are authorizing us to make regular payments out monitor and record telephone conversations you have with us for reasonable business purposes. We will not remind you that we may be monitoring or recording a call at the outset of the call, unless required by law to do so. How will we use an email address you provide to us? When you provide your email address to us, you are authorizing us to send to you at that email address messages and any and all written notices required by law (unless email is expressly excluded as satisfying a notice delivery requirement). When can an account be closed? We can close your account for any reason or for no reason at all. If we close your account, we will provide written notice to you as soon as reasonably possible. However, we may not provide this notice to you prior to closing the account if we believe that prior notice could result in a security risk to us or the owner of the funds in the account. Notice to any one individual on the account is considered notice to all owners and signers on the account. We will send the collected account balance to you either personally through your authorized signer or at your last known address as reflected in our account records, after withholding a sufficient sum to cover any outstanding items and likely fees. If we withhold any money for such contingencies, we will refund that to you after we are satisfied that no further withholding is necessary. You may choose to close your account at any time. Before you notify us to close your account, you can stop are responsible for bringing your account to a zero balance or leaving enough money in the account to cover any of these paymentsaccrued fees and outstanding items to be paid from the account. Call We will have no liability to you for any checks returned as unpaid on the closed account, even if you have attempted to make a deposit to the closed account. Your account may automatically close once the balance has been zero for at least 60 calendar days. Once your account has a zero balance, you will still be responsible for any applicable charges or fees, including but not limited to any monthly maintenance charges. You may contact us at 0-000-000-0000 or write us at SouthState Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000, Xxxxxxxxxx, Xxxxx Xxxxxxxx 00000, in time for us to receive close your request three (3) business days or more before your payment is scheduled account to be madeavoid such charges of fees. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we We may also require you to put close your request account if there is a change in writing the Beneficial Owners and send it to us no later than 14 days after your call. If you fail to do sonotify us of such change. In cases where we recommend you close your account and open a new account due to fraud, if you disregard our suggestion, you agree you are responsible for any and all losses, costs and expenses related to unauthorized, altered, or fraudulent transactions, and you agree to indemnify and hold us harmless for such amounts. This Agreement (as amended, updated, modified, or supplemented from time to time) will continue to govern matters related to your stop payment may expire following account even after the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable feeaccount is closed.
Appears in 1 contract
Samples: Account Agreement
Electronic Banking. How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a debit card ("card") when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled Business Debit Card Agreement. Before using your card, please review the corresponding agreement carefully. You may access your SouthState account(s) attached to your card by using your card and PIN to: • deposit funds in your checking account(s) and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only)) ; and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). What limits do we place on ATM transactions? We reserve the right to limit the dollar amount of checks and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction for using the ATM machines. Please refer to the Business Account Fee Schedule for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. How do we handle your preauthorized electronic payments? Stop Payment and Procedure. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call 0-000-000-0000 or write us at SouthState Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000Post Office Box 118068, XxxxxxxxxxCharleston, Xxxxx Xxxxxxxx 00000South Carolina 29423, in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we may also require you to put your request in writing and send it to us no later than 14 days after your call. If you fail to do so, your stop payment may expire following the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable fee.three
Appears in 1 contract
Samples: General Legal Agreement
Electronic Banking. We offer a number of electronic banking services for your accounts, as further described below. In addition to the information set forth below, we also provide certain separate disclosures that pertain to some accounts, and we have separate agreements that govern the terms of some services, including separate agreements and/or disclosures for ATM cards, debit cards, Online Banking, Business Link, Mobile Banking, and mobile wallet payments (i.e., Apple Pay and Android Pay). How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a VISA™ debit card (a "card") and, in each case, a PIN, when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled VISA Business Debit Card AgreementDisclosure. Before using your card, please review the corresponding agreement carefully. How do you enroll in Online Banking? You may access elect to enroll in our Online Banking services by visiting xxx.xxxxxxxxxxxxxx.xxx. Online banking is governed by separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Online Banking service. How do you enroll in Mobile Banking? We also offer Mobile Banking. You must be enrolled in Online Banking to use our Mobile Banking services. To enroll in Mobile Banking, you may download our app from iTunes or Google Play stores. Mobile Banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Mobile Banking service. How do you enroll in Business Link? We also offer Business Link, which is a separate platform from Online Banking. To enroll in Business Link, please contact your SouthState account(s) attached South State business banker. Business Link is governed by the Business Link Agreements, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the Business Link platform. How can you use text messaging services? We also offer banking services using text messaging services. You must be enrolled in Online Banking to use our text banking services. Text banking is governed by the Online Banking agreement, as well as separate agreements and disclosures, which you will receive at the time you enroll. These separate agreements and disclosures supplement the terms of this Agreement and provide additional terms and limitations for electronic funds transfers using the text banking service. You are responsible for any fees charged by your cellular phone service provider in connection with your use of text banking services. Can you send or receive preauthorized payments via electronic funds transfer? We permit you to send or receive electronic transfers to or from your accounts. These transactions may take one of several forms, such as one-time ACH transactions or a scheduled, recurring payment or deposit from or to your card by using your card and PIN to: • deposit funds in your checking account(saccount. We will ask that you sign an Electronic Funds Transfer form ("EFT Authorization") and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash authorizing us make these payments from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only); and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). What limits do we place on ATM transactions? We reserve The EFT Authorization supplements the right to limit the dollar amount terms of checks this Agreement and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction provides additional terms and limitations for electronic funds transfers using the ATM machinesthis service. Please refer to the Business Account Fee Schedule Online Banking agreement for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful instructions regarding preauthorization in all jurisdictions in which the cardholder may be located. Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. How do we handle your preauthorized electronic payments? Stop Payment and Procedure. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call 0-000-000-0000 or write us at SouthState Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000, Xxxxxxxxxx, Xxxxx Xxxxxxxx 00000, in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we may also require you to put your request in writing and send it to us no later than 14 days after your call. If you fail to do so, your stop payment may expire following the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable feeMobile Banking.
Appears in 1 contract
Samples: General Legal Agreement
Electronic Banking. How can you use automated teller machines (ATM) and debit cards? We may issue you an ATM card or a debit card ("card") when you open an account. You will be required to activate your card and select a personal identification number (PIN) as part of the activation process. The terms and conditions that govern your use of your card are disclosed in separate agreements entitled Business Debit Card Agreement. Before using your card, please review the corresponding agreement carefully. You may access your SouthState South State Bank account(s) attached to your card by using your card and PIN to: • deposit funds in your checking account(s) and savings account(s) at deposit-enabled ATMs we own or operate • transfer funds between your accounts • withdraw cash from your account(s) • obtain your account balance(s) • purchase goods and services (and, in some cases, withdraw cash from your account) at participating merchants (debit card only)) ; and • change the PIN attached to your card You acknowledge some of these services may not be available at all ATM terminals or all cards, and some of these services may not apply to your account(s). What limits do we place on ATM transactions? We reserve the right to limit the dollar amount of checks and types of checks you may deposit at our ATMs. If you use your card at an ATM owned by another bank or financial institution, we will charge you per transaction for using the ATM machines. Please refer to the Business Account Fee Schedule for additional information. In addition, if you use an ATM not owned by us, the ATM operator or network may charge a fee (even for only a balance inquiry). If you make any transfer or withdrawal at an ATM on or after 7:30 P.M. EST, we will post your transaction on the next business day. Can you use your debit card for illegal transactions? You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Do we disclose your 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 transfers; or • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or • in order to comply with government agency or court orders; or • if you give us your written permission How do you report errors relating to electronic fund transfer? For information on errors relating to electronic fund transfers (e.g., online, debit card or ATM transactions) refer to the sections herein below entitled ELECTRONIC BANKING and FUNDS TRANSFER SERVICES. How do we handle your preauthorized electronic payments? Stop Payment and Procedure. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Call 0-000-000-0000 or write us at SouthState South State Bank, Deposit Operations, Xxxx Xxxxxx Xxx 000000Post Office Box 118068, XxxxxxxxxxCharleston, Xxxxx Xxxxxxxx 00000South Carolina 29423, in time for us to receive your request three (3) business days or more before your payment is scheduled to be made. For recurring pre-authorized electronic fund transfers on your accounts, we keep a stop order you place in effect indefinitely. If you call, we may also require you to put your request in writing and send it to us no later than 14 days after your call. If you fail to do so, your stop payment may expire following the 14-day period. We will charge you a fee for each stop payment order you request. Please refer to the Business Account Fee Schedule for the applicable fee.three
Appears in 1 contract
Samples: General Legal Agreement
