Digital Access Agreement & Disclosures

Community Bank Digital (Online/Mobile) Banking User Agreement

This Digital Banking User Agreement ("Agreement") governs use of the Community Bank Digital Banking ("Service"). As used in this Agreement, the words "we," "our" or "Bank" refer to Community Bank and the words "you" or "your” refer to Bank customer(s) and their use of the Service. "Device" refers to a computer, smartphone, and/or tablet. "Business day(s)" means Monday through Friday, excluding federal holidays.

HOW TO CONTACT US


  • Visit your local branch any business day
  • Phone Customer Service toll-free at 800-472-4292 any business day between 8 am and 5 pm Pacific Time ("PT")
  • Use Conversations through the Service for general questions any business day between 8 am and 5pm PT
  • Send a secure email through the Service, generally 24/7; we will respond during business hours.
  • Write to us at Community Bank, 1288 SE Commercial DR, College Place, WA 99324. Attention: Digital Banking Customer Service.

 

INTRODUCTION: The Service allows you to access your accounts electronically to view transactions or statements, to transfer funds internally or externally, to make deposits, to communicate with us securely, and to perform other actions as more fully described in this Agreement. To have access to the Service, you must agree to this Agreement electronically by clicking on the "Accept" button. If you do not consent, or if you withdraw your consent, we will terminate your access to the Service. Some features of the Service require a separate electronic agreement, particularly Consumer and Business Bill Pay, Statements, and Mobile Deposit. Your consent or not to those features will not affect your access to other features of the Service. However, if your access to the Service is terminated, your access to those other features will also be terminated. By clicking the "Accept" button, you acknowledge that you have read this Agreement and you agree to be bound by its terms and conditions. To withdraw your consent or terminate this Agreement, reach out as shown in HOW TO CONTACT US, at the beginning of the Agreement. We will act on your request within three (3) business days.

If you are entering into this Agreement on behalf of a business entity or another individual, you represent and warrant that you are authorized to bind such business entity or individual to these terms. This Agreement is intended to supplement, and not replace, the terms and conditions of the deposit agreements and disclosures for each of your Bank accounts (such as for loans, Bill Payment, Cash Management, etc.), which continue to apply notwithstanding anything to the contrary in this Agreement. If there appears to be a conflict between this Agreement and other agreements with the Bank, the agreement that is most closely related to the product or service in question shall govern the resolution.

You have the right to obtain records of documents available through the Service in paper form by paying the fees described in the Bank’s schedule of fees disclosure.

To request a schedule of fees disclosure or paper documents, please reach out as shown in HOW TO CONTACT US, at the beginning of the Agreement.

 

HOURS OF ACCESS: You may generally access your Bank account(s) through the Service seven days a week, 24 hours a day. However, at certain times, some or all of the Service may not be available due to system maintenance, end of day processing, or other reasons.

 

ACCESS: To use the Service, you must have a Bank account, access to the Internet, and an email address. When you have accepted this Agreement, you will be able to log in with the Login ID you or your administrator (Cash Management Business Customers) have created. Your first log in requires a Secure Access Code, which will be sent by email, SMS text, or phone call, using information in Bank records This information will also be used to provide other alerts. Your enrollment gives the Service the right to send the communications to the phone number or email address on file. You have the right to limit the communication to one of the available methods by editing your digital profile. You agree that this initial access process and the other security features and procedures described in the sections titled "LOGIN ID / PASSWORD," "DEVICE SECURITY REQUIREMENTS," "REGISTER YOUR DEVICE" and "SECURITY" are commercially reasonable security procedures to conduct financial transactions, such as funds transfers and bill payments, through the Service.

This Service may be used to access the Bank accounts for which you are an authorized signer only. We are not obligated to monitor transactions through the Service to determine that they are made on behalf of the accountholder. Any special signature restrictions that you may have established with respect to check transactions on your account(s) (e.g., two signatures required, dollar limits on signers, etc.) are not enforceable through the Service. You agree not to make any claims with respect to any such restrictions for transactions processed through the Service and agree to hold the Bank harmless against any loss, liability, or claim, including attorney's fees and costs, resulting from the processing of any transaction through the Service that does not meet such special signature restrictions.

 

LOGIN ID / PASSWORD: Upon the initial enrollment, you or your administrator (Cash Management Business Customers) will create a Login ID and password, and your chosen password will not be accessible by the Bank. You are responsible for keeping your password, account number(s), and other account information confidential. You also agree to change your password regularly. We strongly recommend you do not authorize any other person to use your password. Neither Community Bank nor any of its service providers will ever ask you for your password or your two-factor authentication security access code and you should never give it to anyone else. You understand that authorizing another person to use your password will give that person full access to your account(s) including, without limitation, creating transactions and altering services such as bill pay, etc. Such authorization shall continue to be effective until you have changed your Login ID and/or you have changed your password. If you provide your password or other access information to any other person, the Bank will not be liable for any damage resulting to you. You agree to notify the Bank immediately if you believe another person has improperly obtained your password.

Upon three unsuccessful attempts to use your password, your access to the Service will be suspended. To re-establish your authorization to use the Service, to report that your password may have been lost or stolen, or to report that someone has transferred or may transfer money from your account without your permission, notify us as soon as possible by reaching out as shown in HOW TO CONTACT US, at the beginning of this Agreement.

 

DEVICE SECURITY REQUIREMENTS: You are responsible for the safety, security, and operation of Devices you use to access your account, including the installation and operation of anti-virus software. You are responsible for your browser software, including ensuring that you are using the version supported by the Service and have installed any and all updates. The Bank is not responsible for any problems related to any electronic virus that may infect your system. You must have a Device that can support up-to-date security requirements and an attached printer if you wish to maintain hard copies of information, communications, or documents through the Service. The Bank makes no warranties that your Device or software is or will continue to be compatible with the Service. You agree to promptly install updates available via our mobile app for security reasons or otherwise for the proper functioning of the Service.

 

REGISTER YOUR DEVICE: Device registration, using a secure access code, is a feature to provide additional security for the Service. You will have the option to register your Device for one-time only access or for continued use. To register your Device it must be configured to accept secure cookies. Once your Device has been registered, you will be asked to enter your Login ID and password for future logins. If you delete the cookies on your browser, do not check the box ‘Don’t ask for codes again while using this browser’, log in from a different Device, re-install the application, or your secure cookie has expired, you will be prompted to obtain a secure access code again to register your Device.

 

SECURITY: Your role in preventing misuse of the Service is extremely important. Examine your statement promptly upon receipt. If you find that your records and the Bank's records disagree, immediately notify the Bank. In addition to protecting your account information, you agree to take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc.

This information by itself or together with information on your account(s) may allow unauthorized access to your account(s). You agree not to leave your Device unattended while logged into the Service and to log off immediately at the completion of each session. You also agree to notify the Bank if someone has transferred or you suspect someone may transfer money from your account(s) without your permission, or if you suspect any type of fraudulent activity on your account(s). Only reveal your account number(s) to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). If you do not maintain security or promptly report unauthorized transactions, you could lose all the money in your Bank account(s), plus your maximum overdraft line of credit, if applicable. Unless otherwise required by law, the Bank will not be responsible for losses that may occur.

 

BUSINESS USER ADMINISTRATION: The first authorized signer on a business account who enrolls in Business Digital Banking (Cash Management) is the "Administrator." The Administrator is given rights within Business Digital Banking to add or remove other users ("sub-users") and to modify sub-user access rights including the features, functionality, and accounts the sub-user has access to. Examples of features that may be added to or restricted from sub-users include but are not limited to Transfers & Payment Services, Mobile Deposit, Business Bill Pay, stop payments, and access to statements. The Bank may communicate with any sub-user based on the contact information and access rights provided to the sub-user.

 

ACCOUNT BALANCES AND TRANSACTION HISTORIES: You can obtain balances and transaction histories on all eligible accounts. The balances in your accounts may change at any time as we process items and fees against your accounts. These changes may occur as a result of real time posting of transactions such as Debit Card transactions or as a result of the Bank's end of day processing. Current balance and activity information is available the morning following the previous day's business.

 

MOBILE DEVICE:  Information regarding smartphone apps is available at www.communitybanknet.com.In order to access and use the Service through a mobile device, you must have a smartphone or other device that you are authorized to use that can send and receive information, can download information, has SMS text capability, and has Internet access. The Service through a mobile device may not be available through all mobile service providers, and some smartphones and other wireless devices may not be supported. The technical standards required to send and receive information, including SMS text capability and access to the Internet, may vary among the types of Devices and telecommunications providers that support Digital Banking, and may be updated from time to time by the providers. Standard rates may apply for data usage and text messaging. Rates are determined by your service provider and are your sole responsibility. You are responsible for satisfying any technical standards required by your service providers. You understand and agree that the telecommunication providers may modify the supported Devices and/or the technical standards at any time, without prior notice, and Community Bank shall not be liable to you for your failure to access or use the Service due to any such modifications.

You accept responsibility for making sure that you understand how to use the Service through a mobile device before you actually do so and that you always use the Service in accordance with any online instructions posted on www.communitybanknet.com. You are solely responsible for maintaining your Device and its compatibility with the Service and for making sure that you know how to properly use your Device. The Bank may change the Service from time to time. In the event of such changes or upgrades, you are responsible for making sure that you understand how to use the Service as changed or updated.

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 the specific fees and charges.

You agree not to access or use the Service from locations outside of the United States, Canada, or Mexico. The Digital Banking App is available only by download from the Apple App Store or Google Play Store, depending on your Device.

 

TRANSFERS & PAYMENT SERVICES: The following are transfer and payment services available for use with Community Bank Online/Mobile Banking:


  • INTERNAL TRANSFERS:An internal transfer of funds between your Bank accounts is internally memo-posted to your account at the time of the transfer, and we will make funds available to you at that time. However, the funds will not show on your transaction history until the next business day if the internal transfer is made after 7:00 p.m. (PT) on any business day or on a Saturday, Sunday or Bank holiday. Internal transfers are final once successfully processed and cannot be cancelled or deleted.
  • LOAN PAYMENTS:A loan payment from your Bank accounts to your Loan accounts will not show on your transaction history until the next business day. Loan payments are final once successfully processed and cannot be cancelled or deleted.
  • EXTERNAL (FI) TRANSFERS:External (FI) transfers are only available for Personal Online/Mobile Banking. External transfers can be used to initiate a funds transfer to or from your Community Bank account(s) and account(s) you are authorized to transact on at another domestic financial institution.


We will send two small deposits followed by equal withdrawals to the external account you set up for your verification. You must be able to verify the amounts deposited prior to processing transfers to or from any external accounts.

External transfers submitted using the Service prior to the Bank's 7:00p.m. (PT) cut-off will be posted as of the following business day. External transfers can only be processed on business days. Any future dated or recurring external transfers will process on the next business day, which may be following a weekend or Federal holiday. The posting time for external transfers is governed by the Automated Clearing House (ACH) Rules.

The following external transfer limits (including incoming and outgoing transfers) apply to all external transfers for all accounts linked to your Online Banking Services Login ID: The dollar limit is $3,000/day and $10,000/month. The volume limit is 3/day and 10/month. If an external transfer is made after the 7:00 p.m. (PT) cut-off time, it will count toward the applicable limit for the next day. We may change external transfer limits at any time. Any decrease will be subject to notice, as required by law, but you acknowledge that we may reduce limits without prior notice if an immediate change is necessary to maintain the security of an account or system. Each outbound external transfer is subject to a $2.50 fee, which may change at any time.

Incoming external transfers will generally be made available the first business day after the day of deposit; however, availability of funds deposited may be delayed for a longer period under certain circumstances. Please contact us for additional information regarding the Bank's Funds Availability Policy.


BILL PAYMENT: Bill Payment is available through the Digital Banking Service, after you log in and upon enrollment and acceptance of Bill Payment Terms and Conditions. Bill Pay can be used to establish your biller payees in one convenient dashboard to remit payments on a single or recurring schedule. You control when and how you pay your bills with the ability to view past payment history for all your billers. Detailed information on usage and limits for this service can be found in the Bill Payment Terms and Conditions.


PAY-A-PERSON PAYMENTS: Pay-a-Person is available through the Bill Pay Service, after you log in and upon enrollment and acceptance of the Bill Payment Terms and Conditions. Pay-a-Person can be used to establish an individual as one of your payees within Bill Pay to send money to them using their email or routing and account number at another financial institution. Detailed information on usage and limits for this service can be found in the Bill Payment Terms and Conditions.

You agree to have sufficient funds in your funding account on the processing day of the transfer or payment. The Bank reserves the right to place a hold on funds in order to ensure availability. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires. If a transfer results in the funding account becoming overdrawn, you authorize us to debit the funds necessary to cover the transfer and any fees that may be a result of the overdraft from your other bank account(s) with Community Bank, including any you are a joint signer on.

 

OTHER ACCOUNT SERVICES: The following are account services available for use with Community Bank Online/Mobile Banking:


  • SECURE MESSAGING: The Service provides secure messaging so you can ask questions about your account(s), the Service, and for general feedback. Secure messaging is accessible after you log into the Service. Please be aware that general or public email transmissions are not secure. Therefore, to ensure the security of your account information, you are required to use the Service's secure messaging when asking specific questions about your account(s). Email cannot be used to initiate transactions on your account(s). For banking transactions, you must use the appropriate functions within the Service, call your local branch or contact us toll free any business day between 8 am and 5 pm (PT) at (800) 472-4292.
  • CONVERSATIONS: The Service provides messaging through Conversations so you can ask questions about your account(s), the Service, and for general feedback. Conversations is accessible after you log in to the Service. Conversations is available any business day from 8:00 a.m. to 5:00 p.m. (PT) to interact with a customer service representative. The Conversations service is available at any time to start or respond to a conversation, however it is only responded to during normal business banking hours typically within an hour.
  • ACCOUNT STATEMENTS: Transfers to and from your accounts using the Service will appear on your periodic account statements. Managing delivery options for periodic account statements is available through the Service subject to technological standards and acceptance of eDocs Terms and Conditions.
  • CHECK STOP PAYMENTS: Stop payments can be placed on checks, including Bill Pay checks, that have not yet been presented for payment, using the Service. For assistance with electronic Bill Payments, internal or external transfers, ACH payments or Debit Card transactions, please reach out as shown in HOW TO CONTACT US, at the beginning of the Agreement. Only stop payments on single checks can be placed through the Service. Stop payment requests must contain accurate information including the Community Bank account number, check number, payee name, and amount. Stop payments placed using the Service will be subject to applicable fees as outlined in the Schedule of Fees disclosure. Stop payments cannot be revoked using the Service. To revoke a stop payment, you will need to notify us as described above.


 

MOBILE SERVICES: The following are additional services available using Community Mobile Banking:


  • MOBILE DEPOSIT: The Mobile Deposit service allows you to deposit checks to your checking or savings accounts by photographing the check(s) and delivering the images to the Bank.


By using Mobile Deposit, you agree:


  • to deposit only "checks" as defined in Federal Reserve Board Regulation CC (12 CFR § 229.2) and are not impermissible under this Agreement.
  • each submitted check image shall be deemed an "item" within the meaning of Article 4 of the applicable Uniform Commercial Code.
  • to restrictively endorse each deposited item with the signature(s) of each payee followed by "For Community Bank Mobile Deposit Only."
  • to retain and safeguard each original deposited check for seven (7) to thirty (30) calendar days after deposit, and then to securely and irretrievably destroy it.
  • to accept the risk that an item may be intercepted or misdirected during transmission. We are not liable to you or others for any such intercepted or misdirected items or information disclosed through such errors.
  • to follow any and all other procedures and instructions for use of Mobile Deposit as we may establish from time to time.


You agree to NOT deposit any of the following impermissible items:


  • third-party checks - originally payable to any person or entity other than the owner of the account into which the check is being deposited;
  • altered checks - payee, amount or date.
  • joint- or multiple-payee checks (whether "or" "and" or lacking either), unless deposited into an account in the name of all payees;
  • International Checks - any check originating outside USA;
  • Remotely Created Checks - lacking the drawer's signature (whether paper or electronic); or
  • Any check you know, should know or reasonably should have known was counterfeit, stolen, or fraudulent.


We reserve the right to: (a) reject any item transmitted through Mobile Deposit, at our discretion; and (b) charge back to your account at any time any impermissible item; you agree that we are not liable for any loss, costs, or fees you may incur as a result of our chargeback of an impermissible item.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If an image of an item you transmit through Mobile Deposit is received and accepted before 4:00 p.m. (PT) on a business day, we will consider that business day to be the day of your deposit. However, if your Mobile Deposit is received or accepted after 4:00 p.m. (PT) on a business day, or on a day we are not open, we will consider the deposit made on the next business day. We will confirm acceptance of your deposit via email. Funds deposited using Mobile Deposit will generally be made available the first business day after the day of deposit; however, availability of funds deposited may be delayed for a longer period under certain circumstances. Please contact us for additional information regarding the Bank's Funds Availability Policy.

The following deposit limits apply to all Mobile Deposits for all accounts linked to your Online Banking Services Login ID:


  1. for Personal Online/Mobile Banking, deposits may not exceed $3,000/day or $10,000/month, and the number of checks deposited may not exceed 3/day or 20/month; and
  2. for Business Online/Mobile Banking, deposits may not exceed $3,000/day or $10,000/month, and the number of checks deposited may not exceed 3/day or 20/month.


Higher limits may be requested by secure email within Digital Banking or by phone to 1-800-472-4292 and are subject to Bank approval. If a deposit is made after the 4:00 p.m. (PT) cut-off time, it will count toward the applicable limit for the next day. We may change your deposit limits at any time. Any decrease will be subject to notice, as required by law, we may reduce your limits without prior notice if an immediate change is necessary to maintain the security of the Service.

The manner in which the items are cleared, presented for payment, and collected shall be at our sole discretion subject to the Community Bank Deposit Account Agreement governing your account.

The image of an item transmitted to the Bank using Mobile Deposit must be legible, as determined in our sole discretion. The image quality must also comply with the requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association. You warrant to the Bank that:


  • You will not transmit duplicate items;
  • You will not re-deposit or re-present an original item;
  • You will not transmit, negotiate, cash or deposit an original item (or its copy) with any other entity;
  • You are not aware of any factor which may impair the collectability of the item
  • All information you provide to Community Bank is accurate and true; and
  • You will comply with this Agreement and all applicable rules, laws and regulations.


If you believe you may have deposited a check more than once, please contact us as soon as possible as shown in HOW TO CONTACT US at the beginning of the Agreement.

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost to us, any originals or copies of items deposited through Mobile Deposit in your possession and your records relating to such items and transmissions.


  • CARD MANAGEMENT: Card Management is available from your Dashboard or account with the following features:
    • Turn your card on or off - temporary
      • If your card has been misplaced, temporarily turn off the card to protect your account. Once the card has been found you can turn the card back on.
    • Report a card lost or stolen – permanent
      • If your card is lost or you believe it has been stolen you can permanently deactivate the card. (Contact your local branch to get a replacement card or call 1-800-472-4292)
  • OTHER:
  1. The Bank is not responsible for translating this Agreement or any information contained within the Service to any other language, and we are not responsible for the accuracy of any third-party translating services.
  2. This Agreement will be governed by and interpreted in accordance with Federal laws and regulations, or to the extent there is no applicable Federal law or regulation, by the laws of the state where you opened your deposit account(s).
  3. The Service may provide links to third party websites without endorsing the accuracy or safety of the third-party service, and the Bank disclaims all liability for any linked sites or their content. It is important for you to take necessary precautions to ensure appropriate safety from viruses, worms, Trojan horses, and other potentially destructive items. When visiting external websites, you should review those websites' terms of use and privacy policies to learn more about how they collect and use any personally identifiable information.
  4. The Bank reserves the right to employ cookie technology as a prerequisite for your use of the Service. Not allowing cookies may prevent the Service from functioning as intended.
  5. You are responsible for the accuracy of your data entry and use of the Service when accessing accounts and conducting transactions. The Bank is not liable for errors caused by your misuse or error. This includes any error caused by "pre-filling" or automated entry done on your behalf by the Device or Service.
  6. The Bank shall not be liable for any failure to perform its obligations under this Agreement due to the occurrence of an event beyond our control (including without limitation as fire, flood, power outage, acts of God, government or civil authority, civil or labor disturbance, war, riots, or the failure of our service providers to perform).


 

SERVICE LIMITATIONS: It is important that you understand the limitations of the Service, including but not limited to the following:

The balances in your accounts may change at any time as we process items and fees against your accounts. There may be technical or other difficulties related to the Service. These difficulties may result in loss of data, loss of personalized settings, or other service interruptions. Neither the Bank nor its third-party service providers assume any responsibility for: (i) the timeliness, deletion, or mis delivery of any user data; (ii) failure to store user data, communications, or personalized settings in connection with your use of the Service; or (iii) the delivery or the accuracy of any information requested or provided through the Service.

Neither we nor any of our service providers assume responsibility for the operation, security, functionality, or availability of any Device or network which you utilize to access the Service, nor do we guarantee that you will have continuous or uninterrupted access to the Service. We are not responsible for any delay, failure, or error in the transmission or content of information provided through the Service. Neither we nor any of our service providers or affiliates will be liable for damages arising from the non-delivery, delayed delivery, or improper delivery of any information through the Service, from any inaccurate information provided through the Service, from your use of or reliance on any information provided through the Service, or from your inability to access the Service.

We will not be liable to you for any losses caused by your failure to properly use the Service or your Device, or for any losses resulting if your Device is lost or stolen. We reserve the right to refuse to make any transaction you request through the Service for any reason. You agree and understand that the Service may not be accessible or may have limited utility over some cellular networks, such as while roaming.

Financial information obtained through the Service (including, without limitation, any text message alerts) reflects the most recent account information available to us and may not be accurate or current. You agree that the Bank and our service providers will not be liable for any errors or delays in the content, or for any actions taken in reliance thereon. Certain features and functions available through Digital Banking on our website may not be available using the app on a device and vice versa.

 

OVERDRAFTS: If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, preauthorized transactions, transfers through the Service, Bill Payments, etc.) requested for a given business day, then certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and the electronic funds transfers initiated through the Service may result in overdrawing your account and/or may, at the Bank's discretion and without prior notification to you, be canceled. In addition, all overdraft charges that apply will be debited from your account. You also authorize the Bank to charge any or all of your accounts to cover uncollected funds or overdrafts in your designated account(s).

 

POSTING ORDER OF ITEMS PRESENTED: Community Bank's policy regarding posting order of items is disclosed in the Payment Order of Items disclosure for your account. The order in which items appear online does not necessarily reflect the order in which they post.

 

CHANGE IN TERMS: We reserve the right to change any terms or conditions described in this Agreement. Notification of such changes will be posted or sent at least thirty (30) days in advance of the effective date of any adverse change to you for this Service, such as for transactions, fees, limits on the type, amount, or frequency of transactions, or increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the Service. If such a change is made for security reasons and it can be disclosed without jeopardizing the ongoing security of the system, or for changes that are not adverse to you, we will provide you with written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the account(s) to which these changes relate or your use of the Service.

 

YOUR RIGHT TO TERMINATE: You may cancel the Service at any time by providing us with written notice via postal mail, conversations or secure message through the Service. Within three (3) business days of receiving instructions, we will suspend your access to the Service. You will remain responsible for all outstanding fees incurred prior to our receiving and processing your cancelation. You may also cancel the Service by contacting us at (800) 472-4292 or sending cancelation instructions in writing to Community Bank 1288 SE Commercial DR, College Place, WA 99324 Attention: Digital Banking Customer Service.

 

OUR RIGHT TO TERMINATE OR SUSPEND: We may cancel, suspend, or limit your access to the Service at any time, without prior notice and for any reason, including if you do not access your Bank account(s) through the Service for three months. Reinstatement is at the Bank's discretion.

 

THIRD PARTY FEES: This Agreement does not change any agreement you may have with any unaffiliated service providers (e.g., mobile service or Internet provider). Your agreements with such providers may have fees, limitations or restrictions which might impact your use of the Service (for example, data usage or text message charges); you are solely responsible for all such fees, limitations, or restrictions. Therefore, please resolve any problems with your service providers directly - without involving the Bank.

 

PROPRIETARY RIGHTS: You are permitted to use content delivered to you through the Service only in connection with your proper use of the Service. You may not copy, reproduce, distribute, or create derivative works from this content.

You agree not to use the Service or the content or information delivered in any way that: (i) infringes any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the Service software; (ii) is fraudulent or involves the sale of counterfeit or stolen items; (iii) violates any law, statute, ordinance or regulation (such as export control, consumer protection, unfair competition, anti-discrimination or false advertising); (iv) is false, misleading or inaccurate; (v) creates liability for us, our affiliates or service providers, or causes us to lose (in whole or in part) the services of any of our service providers; (vi) is defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (vii) may be perceived as illegal, offensive, or objectionable; (viii) interferes with or disrupts computer networks connected to the Service or the use of the Service by any other user; (ix) results in unauthorized entry or access to the computer systems or networks of others; (x) sends unsolicited electronic mail messages (also known as spam); or (xi) impersonates another person or entity.

The Service is for your use only. You may not resell or make commercial use of the Service. You agree to comply with all applicable laws, rules, and regulations in connection with the Service.

 

YOUR PRIVACY:


  1. You agree that the Bank may collect information about you and your Device, system, and application software in connection with offering and operating the Service and to enhance your experience when using the Service in accordance with our privacy statement.
  2. The Bank maintains the right to contact you via your Device to relay important account information or information about the use of the Service for as long as you are enrolled.


 

THIRD PARTY BENEFICIARIES: You agree that our service providers (including any provider of the Service software) may rely upon your agreements and representations in this Agreement, and such service providers are third party beneficiaries of such agreements and representations, with the power to enforce those provisions against you, as applicable and as the circumstances or context may require.

 

WARRANTY DISCLAIMER: to the maximum extent permitted by law, bank disclaims all warranties of any kind, either express or implied, with respect to the service, including, but not limited to, any implied warranties of merchantability, fitness for a particular purpose, or noninfringement. Community bank makes no representation or warranty as to the completeness, accuracy, reliability, or currency of any third-party information or data that you obtain using the service, that the service will operate without errors or that the service will be always available and operational. You expressly understand and agree that your use of the service is at your sole risk. The service is provided on an "as is" and "as available" basis. Bank is not responsible for any damage to your device or loss of data that results from the download of any material, whether due to any computer virus or otherwise. Your sole and exclusive remedy for any failure or non-performance of the service (including any software or their materials supplied in connection with the service) shall be for the bank to use commercially reasonable efforts to correct the applicable service.

 

DISCLAIMER OF CONSEQUENTIAL DAMAGES: in no event will bank, or any of its officers, directors, employees, shareholders, affiliates, agents, successors or assigns, nor any party involved in the creation, production or transmission of the service, be liable to you or anyone else for any indirect, special, punitive, incidental or consequential damages (including, without limitation, those resulting from lost profits, lost data or business interruption) arising out of the use, inability to use, or the results of use of the service, whether based on warranty, contract, tort or any other legal theory and whether or not advised of the possibility of such damages. The foregoing limitations of liability do not apply to the extent prohibited by law. Please refer to your local laws for any such prohibitions.

 

LIMITATION OF LIABILITY. Except as specified above or as may otherwise be provided by law, our maximum cumulative liability to you for claims under this agreement shall not exceed the fees you paid for the service during the 12 months preceding the event from which the claim arose.

 

CONSENT TO ELECTRONIC DELIVERY OF NOTICES: by accepting below or by otherwise using the service, you also agree that any and all disclosures and communications regarding the service between you and us, including this agreement, may be made electronically by posting to our web site in accordance with applicable law. Any electronic disclosure communication we make will be considered made when transmitted, and any disclosure or communication we make by posting to our website will be considered made when posted. This consent does not automatically enroll you in other services that are available through digital banking (e.g., paperless statements (e-docs or bill pay). This consent does, however, include your acceptance of agreements and communications when you enroll in and use such services. With respect to this service, you may not opt out of receiving disclosures and communications in an electronic form without terminating the service as provided above. If you wish to receive a paper copy, you must have a printer connected to your computer and appropriate software installed to print such items.

 

INDEMNITY: you agree to indemnify, hold harmless, and defend us, our officers, directors, employees, affiliates, agents, and service providers from and against any and all third-party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorney’s fees) caused by or arising from your breach of your obligations or representations under this agreement, unless primarily caused by our gross negligence or willful misconduct.

 

ELECTRONIC FUND TRANSFER

Your Rights & Responsibilities for Digital Banking: The full Electronic Fund Transfer disclosure, provided at the time of opening your account, outlines the types of electronic transactions we handle for consumers, some of which may not have applied to your account. As part of our policy of issuing a new electronic access device for your account, this modified disclosure outlines the specific elements of the full Electronic Fund Transfer disclosure applicable to Digital Banking activity. Please read this disclosure carefully as a reminder of your rights and obligations for Digital Banking transactions. You should keep this notice for future reference.

FINANCIAL INSTITUTION'S LIABILITY

Liability for failure to make transfers: If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses and damages. However, there are some exceptions.

We will not be liable, for instance:


  • If, through no fault of ours, you do not have enough money in your account to make the transfer;
  • If the transfer would go over the credit limit on your overdraft line;
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer;
  • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that were taken; or
  • There may be other exceptions stated in our agreement with you.


CONFIDENTIALITY: We will disclose information to third parties about your account or the transfers you make:


  • Where it is necessary for completing transfers;
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
  • In order to comply with government agency or court orders; or
  • If you give us your written permission.


Refer to Community Bank's Privacy Policy located at https://www.communitybanknet.com/about-us/privacy-notice

PERIODIC STATEMENTS: Your Digital Banking payments and transfers will be indicated on monthly statements we provide or make accessible by mail or electronic delivery service. You have a right under federal law to receive such statements for accounts governed by the EFTA and Reg. E. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your email or address or if you believe there are errors or unauthorized transactions in any statement, or statement information.

UNAUTHORIZED TRANSFERS

Consumer Liability: Tell us at once if you believe your Digital Banking Login ID and/or password has been lost, stolen or otherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit).

If you tell us within 2 business days after you learn of the loss, theft or compromise of your Digital Banking Login ID and/or password, you can lose no more than $50 if someone used your Digital Banking Login ID and/or password without your permission.

If you do NOT tell us within 2 business days after you learn of the loss, theft or compromise of your Digital Banking Login ID and/or password, and we can prove we could have stopped someone from using your Digital Banking Login ID and/or password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by Digital Banking, card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.

Contact in the event of unauthorized transfer

Call or write to us if you believe:


  • Your card and/or code has been lost or stolen
  • A transfer has been made using the information from your check without permission


 

ERROR RESOLUTION NOTICE: In case of errors or questions about your electronic transfers, contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

You may contact us the following ways:


Toll Free Phone:

1-800-472-4292 Monday-Friday from 8am to 5pm Pacific Time

Email:

Onlinesupport@communitybanknet.com

Secure Message:

Submit a secure message using your Community Bank Digital Banking Access

Mailing Address:

Community Bank
Attn: Digital Banking Customer Service
1288 SE Commercial DR
College Place, WA 99324


For purposes of these disclosures, our business days are Monday - Friday, excluding federal holidays.

When you contact us, please be prepared with or explain the following:


  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error.


If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or questions. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.




Electronic Documents Disclosure

(Documents, E-Statements, E-Notices)

This agreement authorizes Community Bank to deliver the following information electronically: periodic statements; annual percentage yields; annual percentage rates, loan billing notices, fees and other terms of our deposit and loan accounts; change-in-terms notices; initial disclosures; pre-maturity notices; and any other subsequent disclosures that may be required (“E-Notices”). An electronic bank statement is called an ("E-Statement"). Together “E-Statements” and “E-Notices” are referred to as (“Documents”). Upon agreeing to this electronic documents disclosure and successful enrollment into “Documents”, you will then receive periodic electronic notifications that your “Documents” are ready to view in your Digital Banking. You will need to login to Digital Banking and go to “Documents” in order to view your available “Documents”. If you currently receive images of your checks with your statement, they will be included with your E-Statements.

By enrolling in Electronic Documents (Documents):

  • You understand that Documents refers jointly to E-Statements and E-Notices.
  • You agree to receive your statement(s) and/or other documents electronically via Digital Banking.
  • You understand that the Documents will not be included in the e-mail, rather you will login to Digital Banking to view your documents.
  • You understand that you will no longer receive the selected statements/documents in the mail for the account(s) you have selected.
  • You understand that Documents are available for 18 months from the date that Community Bank first notifies you that the Documents are ready to view. 
  • You agree to save a copy of your Documents in electronic format by downloading from Digital Banking, or paper format by printing for your permanent record retention.
  • You agree to maintain a valid e-mail address for Documents delivery and will make any necessary changes to your e-mail address on file with Community Bank via Online Banking/Mobile by clicking on “Documents” from a selected account, then “email settings”, or by clicking on “Message” from the dashboard and then selecting “New Conversation”, or by email directly to onlinesupport@communitybanknet.com. Notification of any e-mail changes should be received ten (10) days before your normal statement cycle.
  • You understand that a Documents notification will be delivered to the current e-mail address on file with Community Bank.
  • You agree to treat your Documents in the same manner as you would a hard-copy paper version of the documents.
  • You agree to review your Documents on a schedule consistent with reviewing the same documents in a hard-copy paper version.

Although you are electing to receive your bank statement(s) and/or notice(s) electronically, you may be able to have your Documents provided or made available on paper or in non-electronic form. You may withdraw your consent to receive your bank statement(s) and/or notice(s) electronically at any time by clicking on “Messages” from the dashboard and then selecting “New Conversation”, by emailing onlinesupport@communitybanknet.com or by calling your local branch. The Documents service will be discontinued within 10 working days, and you will receive your statement(s) and/or notice(s) in paper form. If your account is based on having your statement and/or notices electronically delivered, it may have to be changed to a new account type to accommodate the delivery of a paper statement and/or notice. If changed to a new account type, any fees or charges associated with that account type will apply. Any benefits or privileges that may have been provided due to having your statement and/or notices delivered electronically will no longer be applicable. You will receive the benefits or privileges associated with the new account type that you will be converted to as outlined in the disclosure(s) we will provide to you.

Your personal device must meet the following software requirements for access to and retention of electronic bank statements and/or notices.

  1. The current and prior major release of the following browsers: Microsoft Edge, Google Chrome, Firefox, and Safari on a rolling basis will be supported. Each time a new version is released, the new version will be updated and support will cease on the third-oldest major version.
  2. Adobe Acrobat Reader, (currently supported version) in order to view your Documents
  3. Access to a printer or the ability to download and archive the Documents to your device to keep copies for your records.

You are responsible for providing us with updated information that we need to contact you electronically, including any change in your e-mail address, etc. We will send you a notice electronically indicating that your statement and/or notice are available. The notice will allow you to log in and retrieve your statement and/or notice electronically.

When your statement is available, you will receive an email at the email address we have on file at that time. YOU WILL HAVE EIGHTEEN (18) MONTHS FROM THE TIME OF THE EMAIL, WITHIN WHICH TO VIEW, PRINT OR ARCHIVE YOUR STATEMENT.

You are able to retrieve text (TXT)/Spreadsheet (CVS)/Open Financial Exchange (OFS) pages of your statement for a maximum of 120 days by selecting the “Transactions” download option from the Transactions for the selected account from the Dashboard or Accounts of the Digital Banking service. Check and deposit images are available online for up to four (4) months by selecting an account from the Dashboard or “Accounts” option of the Digital Banking service. After the above periods of time, the information will be available by requesting an Annual CD-ROM of your statement, check images, and deposit slips for an additional fee as listed on our fee schedule.

Should updates to computer hardware, software or account changes occur we will notify you of the revised requirements. If your account is based on having your statement and/or notices delivered electronically, it may have to be changed to a new account type to accommodate the delivery of a paper statement and/or notice. Any benefits or privileges that may have been provided due to having your statement and/or notices delivered electronically will no longer be applicable. You will receive the benefits or privileges associated with the new account type that you will be converted to.

We will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security over the information contained in the electronically delivered account statement and/or notice. One of the main security features guarding the use of Online Banking is the unique combination of your Online Banking ID and Password. It is important that you protect the security of your Online Banking ID and Password by keeping them secret. If you give your Online Banking ID or Password to another party, you will be responsible for any changes or charges to your account(s). By entering into this Agreement and using Digital Banking, you agree to protect the security of your Digital Banking ID, Password, and any other numbers, codes, marks, signs, keys or other means of identification of you as a Community Bank Online Banking customer which may be devised or established from time to time.

If you agree to these terms, you authorize Community Bank to provide bank statements and/or notices for your chosen accounts by electronic means. You understand and agree that by requesting electronic delivery, you will NOT receive statements and/or notices in paper form that are delivered by the United States Postal Service unless you specifically discontinue the E-Statement and/or Document services as described in this disclosure. You agree that electronic delivery will satisfy Community Bank's requirement to provide you a periodic statement and/or notice on your account. Your consent shall remain valid until such time as you revoke this consent. Community Bank retains the right to discontinue this service at any time. Your Documents service will be discontinued if the e-mail notice is returned undeliverable for any reason. Should your Documents service be discontinued, Community Bank will resume the delivery of your periodic statement and/or notice in paper format via the United States Postal Service.

Unless specifically listed in this agreement, this Service is subject to the definitions and terms of the master Digital Access Agreement you agreed to when opening your Online Banking account or any amendments thereto.


Bill Pay Agreement - Terms & Conditions of the Bill Payment Service

This Bill Payment Agreement (“Agreement”) sets forth the terms and conditions of the bill payment service offered by Community Bank (the “Service”). This Agreement supplements the terms and conditions of the Account Agreement as defined below.

HOW TO CONTACT US

  • Visit your local branch any business day
  • Phone Customer Service toll-free at 800-472-4292 any business day between 8 am and 5 pm Pacific Time ("PT")
  • Use Conversations through the Service for general questions any business day between 8 am and 5pm PT
  • Send a secure email through the Service, generally 24/7; we will respond during business hours.
  • Write to us at Community Bank, 1288 SE Commercial DR, College Place, WA 99324. Attention: Digital Banking Customer Service.

E-SIGN/INTRODUCTION: The Service allows you to access your accounts electronically to schedule and pay bills to third parties. You have the right to obtain records of documents available through the Service in paper form by paying the fees described in the applicable Schedule of Fees available at https://www.communitybanknet.com/cost-of-services. The documents may be requested by using any of the HOW TO CONTACT US methods above. However, to have access to the Service, you must agree to this Agreement electronically by clicking on the “Accept” button. If you do not consent, or if you withdraw your consent, we will terminate your access to the Service. Your withdrawal of consent to this Service will not affect your access to other features of the Bank’s Digital Banking Service, unless you generally withdraw consent to the Digital Banking Service. By clicking the “Accept” button, you acknowledge that you have read this Agreement and you agree to be bound by its terms and conditions. You may withdraw your consent or terminate this Agreement by sending us a secure message through the Service, visiting one of our branches or calling Customer Service at 800-472-4292 on a Business Day between 8:00 a.m. (PT) and 5:00 p.m. (PT); we will have a reasonable time to act on your request, not to exceed three (3) business days. You are responsible for your browser software, including ensuring that you are using the version supported by the Service and have installed all updates. If you are entering into this Agreement on behalf of another individual, you represent and warrant that you are authorized to bind that individual to these terms. This Agreement is intended to supplement, and not replace, the terms and conditions of the agreements and disclosures for each of your Bank accounts (such as for loans and deposits, Digital Banking, etc.), which continue to apply notwithstanding anything to the contrary in this Agreement. If there appears to be a conflict between this Agreement and other agreements with the Bank, the agreement that is most closely related to the product or service in question shall govern the resolution.

 

SERVICE DEFINITIONS

 “Account Agreement” means the signature cards and accompanying documents that comprise the depository account agreement and related depository services, including the Terms and Conditions of Your Account, Digital Banking User Agreement, and as applicable, other agreements.

"Agreement" means these terms and conditions of the bill payment service. “Bank,” “we” or “us” means Community Bank.

"Business Day" is every Monday through Friday, excluding Federal Reserve holidays.

"Customer Service" means the Digital Banking Customer Service department of Community Bank. Please see the HOW TO CONTACT US section above for Customer Service contact information.

 "Due Date" is the date reflected on your Payee statement for which the payment is due; it is not the late date or grace period.

 "Pay From Account" is the checking account from which bill payments will be debited.

"Payee" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

"Payment Date" is the day you want your Payee to receive your bill payment. This day can only be a Business Day and is only an estimate. Delivery may take more or less time when we are required to mail a check to your Payee. Make sure you pay your bill early enough so that it arrives on time, and make sure you have sufficient funds available in your account to cover the payment as of the Process Date you select. Checks may clear any time after the Process Date, which may be prior to the Payment Date.

"Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee Name, Payee Account Number, and Scheduled Payment Date).

"Pending Payment" is a payment that has been scheduled through the Service but has not begun processing.

“Process Date” is the date that the payment is initiated. For electronic payments, it is the date that the funds are verified and debited from the Pay From Account. For check payments, it is the date the check is mailed to the Payee.

"Service" means the bill payment service offered by Community Bank.

“You” or “your” means the Community Bank client whose accounts are accessed to pay bills in connection with use of the Service, and includes any person or user assigned rights to access the Service.

 

PAYMENT SCHEDULING

The Service will show the earliest possible Payment Date for each Payee (typically four (4) or fewer Business Days from the current date) when you can schedule a payment. You will not be able to select an earlier Payment Date. When scheduling payments, please select a Payment Date that is on or before the Due Date; if the Due Date falls on a non-Business Day, please select a Payment Date that is at least one (1) Business Day before the Due Date. Any payment not scheduled in this manner may not make it to the Payee on time, and you could incur late charges or other penalties, for which the Service shall have no responsibility. When scheduling recurring payments, the Process Date shown is the date the funds will be verified and debited from your account for the first payment date selected. Future Process Dates will occur on the business day prior to each of the next Payment Due Dates.

 

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE

By accepting this Agreement, you: (a) represent and warrant that you have full authority to do so, (b) understand that the Service is only available through the Bank’s Digital Banking service, and (c) agree that the security procedures described in the Digital Banking User Agreement apply to the Service and are commercially reasonable. By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the Service. In order to process payments more efficiently and effectively, the Service may edit or alter payment data (other than payment amounts) or data formats in accordance with Payee directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Pay From Account and remit funds on your behalf so that the funds will arrive as close as reasonably possible to the Payment Date you choose. You also authorize the Service to credit your Pay From Account for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of the Service. The Service will use its best efforts to timely and accurately process your payments. However, the Service shall incur no liability if the Service is unable to complete any payment(s) you initiate because of any one or more of the following circumstances: Your Pay From Account does not have sufficient available funds to complete the transaction or the transaction would exceed the credit limit of a linked overdraft account; The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; You do not provide the Service with the correct Pay From Account information, or the correct name, address, phone number, or account information for the Payee; or Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances. Except for the foregoing, if the Service causes an incorrect amount of funds to be removed from your Pay From Account or causes funds from your Pay From Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible, as applicable, to: (a) return improperly transferred funds to your Pay From Account, (b) redirect misdirected transactions to the proper Payee, and (c) pay the Payee or reimburse your payment of the Payee for late payment related charges.

 

PAYMENT METHODS

The Service reserves the right to select the method by which to remit funds to your Payee. These payment methods include electronic or check payment, generally depending on whether the Payee has been set up to accept electronic payments. For electronic payments, funds are debited on the Process Date after available funds have been verified. If funds are not available on the Process Date, the Service will attempt to process the payment during the next five (5) business days; if funds are still not available, the payment will be cancelled. If the payment is part of a recurring series, only that particular payment will be cancelled, not the entire payment series. For a check payment, funds are deducted from your Pay From Account when the check is presented for clearing; no funds verification takes place. You are responsible to ensure you have available funds for such a payment. Checks may clear any time after the Process Date, which may be prior to the Payment Date. When scheduling recurring payments, the Process Date shown is the date the funds will be verified and debited from your account for the first payment date selected. Future Process Dates will occur on the business day prior to each of the next Payment Due Dates. The Service allows you to pay companies or individuals. Individual Payees may be set up by entering the Payee’s routing and account number or by using the Payee’s email address and allowing the Payee to input its routing and account number securely so that payments can be sent electronically. Bill Payment limits are controlled by the Bank and may change at any time without notice. Below are the current standard transaction and daily limits for electronic payments to individual Payees, email Payees or text message Payees: Individual Payee – $1,000/transaction $1,000/Process Date Email Payee – $1,000/transaction $1,000/Process Date Text Message Payee – $1,000/transaction $1,000/Process Date.

 

PAYMENT CANCELLATION REQUESTS

You may modify or cancel any scheduled payment at any time using the Service before the Process Date (which is identified in the System for each Payment Instruction). Process Dates are Monday through Friday until 12:00 p.m. (PT) excluding Federal Reserve holidays. If you are unable to access the Service, we will need three Business Days in advance of the Process Date to modify or cancel any scheduled payment. Please contact Digital Banking Customer Service at 1-800-472-4292 or visit one of our branches. If you call, we may also require you to put your request in writing and forward it to us within fourteen (14) calendar days after you call. If the transaction is recurring, the notice must detail whether the cancellation applies to only one of the recurring transactions, or all transactions in the recurring stream.

 

STOP PAYMENT REQUESTS

The Service can only process a stop payment request on a check payment, and only if the check has not cleared the account. The Service must have a reasonable opportunity to act on any stop payment request. If you desire to stop payment on a check payment, you may do so through Digital Banking Customer Service, contacting us through Messages or visiting a Community Bank branch. If you call, we may also require you to present your request in writing within fourteen (14) calendar days after you call. The charge for each stop payment request will be the current charge for such service as set out in the Schedule of Fees.

 

PROHIBITED PAYMENTS

Payments to Payees outside of the United States or its territories are prohibited through the Service.

 

BILL DELIVERY AND PRESENTMENT

Bill Delivery and Presentment (“eBill”) is a Service feature that allows you to receive bills directly into the Service for Payees that present bills electronically. You get to select which bills to receive through the Service and may establish rules regarding automated or manual payment of the bills. Bill Delivery will only accept electronic bills. It provides you email or text message notification when a bill is received. Bill Delivery retains an archive of bills received for each Payee through the Service while that Payee uses Bill Delivery; the archive for a Payee is deleted when that Payee is removed from the Service. If you terminate Bill Delivery, the bill archive for all Payees is deleted. Bill Delivery does not monitor whether a bill is timely received or is missing; therefore, it is your sole responsibility to contact Payees if you do not receive a bill. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following: Activation – When a Payee is set up for Bill Delivery, the Service will notify the Payee of your request to receive electronic billing information. The Service’s receipt of the first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Therefore, keep making payments outside the Service until you receive a bill through the Service. Each electronic Payee may choose whether to accept or deny your request to receive electronic bills. Information provided to the Payee - The Service is unable to update or change with the electronic Payee your personal information (e.g., name, address, phone numbers, email address); you will need to make such changes directly with the Payee. The Service does not provide the Payee your personal information, such as addresses or other contact information. Rather, any such information and receipt of statement information is by your provision of login credentials to the Payee’s site. It is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. Authorization to obtain bill data - Your activation of Bill Delivery for a Payee shall be your authorization for us to obtain bill data from the Payee on your behalf. For some Payees, you will be asked to provide us with your username and password for that Payee. By providing us with such information, you authorize us to use the information to obtain your bill data. Notification - The Bank will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Bank may, but is not required to, send an email notification or text message notification to the email address or mobile phone number listed for your account. It is your sole responsibility to ensure that this information is accurate and that you receive electronic bill payment notifications. Please periodically log on to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. Regardless of whether or not you receive a bill or notice of a bill through Bill Delivery, you are responsible for ensuring timely payment of all bills. Cancellation of electronic bill notification - The electronic Payee may cancel the delivery of electronic bills at any time. You also may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Bank will notify your electronic Payee of the cancellation, but it is your responsibility to arrange for an alternative form of Bill Delivery. Non-Delivery of electronic bill(s) - You agree to hold the Bank harmless should the Payee fail to deliver your statement(s). Copies of previously delivered bills must be requested from the Payee directly. Accuracy and dispute of electronic bill - The Bank is not responsible for the accuracy of your electronic bill(s). The Bank is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly. This Agreement does not alter your liability or obligations that currently exist between you and your Payees. EXCLUSIONS OF WARRANTIES THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES Refer to Community Bank’s Privacy Policy located at https://www.Communitybank.com/privacy-policy. ALTERATIONS AND AMENDMENTS This Agreement, applicable fees and service charges may be altered or amended by the Bank from time to time. In such event, the Bank shall provide notice to you. Any use of the Service after the Bank provides you a notice of change will constitute your agreement to such change(s). Further, the Bank may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Bank reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Bank's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.

 

ADDRESS OR BANKING CHANGES

It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the Service or by contacting us using one of the methods in the HOW TO CONTACT US section above. Any changes in your Pay From Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Pay From Account information. The Bank is not responsible for any payment processing errors or fees incurred if you do not provide accurate Pay From Account or contact information.

 

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION

You may terminate the Service at any time by contacting us using one of the HOW TO CONTACT US methods above. We may cancel, suspend or limit your access to the Service at any time, without prior notice and for any reason. After cancellation, suspension or limited access, the Service may be reinstated at Bank’s discretion. To inquire about reinstating your access to the Service, contact us using one of the HOW TO CONTACT US methods above.

 

RETURNED PAYMENTS

Payees and/or the United States Postal Service may return payments to the Service for various reasons such as Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Bank will use its best efforts to research and correct the returned payment and return it to your Payee or void the payment and deactivate the Payee. You may receive notification from the Bank.

 

INFORMATION AUTHORIZATION

Your enrollment in the Service may not be fulfilled if the Bank cannot verify your identity or other necessary information. The Bank reserves the right to obtain financial information regarding your account from a Payee or your financial institution (for example, to resolve payment posting problems or for verification). DISPUTES In the event of a dispute regarding the Service, you and the Bank agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Bank regarding the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bank relating to the Service. If there is a conflict between what a Bank or Digital Customer Service Department employee says and the terms of this Agreement, the terms of this Agreement will prevail.


ASSIGNMENT

You may not assign this Agreement to any other party. The Bank may assign this Agreement to any future, directly or indirectly, affiliated company. The Bank may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties. NO WAIVER The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

 

CAPTIONS

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement. GOVERNING LAW This Agreement shall be governed by and construed in accordance with the laws of the state where you established your deposit account(s), without regard to its conflicts of law’s provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE. 


The remainder of the agreement is applicable to Digital Banking accounts used primarily for personal, family or household purposes.

 

ELECTRONIC FUND TRANSFER

Your Rights & Responsibilities for Bill Payment through Digital Banking

The full Electronic Fund Transfer disclosure, provided at the time of opening your account, outlines the types of electronic transactions we are capable of handling for consumers, some of which may not have applied to your account. As part of our policy of issuing a new electronic access device for your account, this modified disclosure outlines the specific elements of the full Electronic Fund Transfer disclosure applicable to Bill Payment activity through Digital Banking. Please read this disclosure carefully because it reminds you of your rights and obligations for Bill Payment transactions. You should keep this notice for future reference.

 

BILL PAYMENT TRANSFERS

You may access your accounts to pay bills in the amount and day requested, using your electronic credentials at www.communitybanknet.com with: (a) a computer through Digital Banking, or (b) a web-enabled cell phone through Digital Banking or use of the Community Bank Mobile App. Information regarding smartphone apps is available at www.communitybanknet.com. Set-up details for alerts are available when logging into your Digital Banking at www.communitybanknet.com. Bill Payment limits are controlled by the Bank and may change at any time without notice. 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 the specific fees and charges.

 

PERIODIC STATEMENTS

You will get a monthly account statement from us for your checking accounts. You will get a monthly account statement from us for your savings accounts unless there are no transfers in a particular month. In any case you will get the statement at least quarterly.


PREAUTHORIZED PAYMENTS

  • Right to stop payment and procedure for doing so. If you told us in advance to make regular payments out of your account, you can stop any of these payments. Here’s how: Call or write us at the telephone number or address listed in the HOW TO CONTACT US section of this disclosure, in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 calendar days after you call. Stop payments placed using the Service will be subject to applicable fees as outlined in the Schedule of Fees disclosure.
  • Notice of varying amounts. If regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.


FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses and damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer;
  • If you have an overdraft line and the transfer would go over the credit limit;
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer;
  • If circumstances beyond our control (such as fire or flood or interference from an outside force) prevent the transfer, despite reasonable precautions that were taken; or
  • There may be other exceptions stated in our agreement with you.

 

CONFIDENTIALITY

We will disclose information to third parties about your account or the transfers you make:

  • Where it is necessary for completing transfers;
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;
  • In order to comply with government agency or court orders;
  • If you give us your written permission; or
  • As explained in the separate Privacy Statement Disclosure.

 

UNAUTHORIZED TRANSFERS

Consumer Liability

Tell us AT ONCE if you believe your Digital banking Login ID and/or password has been lost, stolen or otherwise compromised, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss, theft or compromise of your Digital Banking Login ID and/or password, you can lose no more than $50 if someone used your Digital Banking Login ID and/or password without your permission. If you do NOT tell us within 2 business days after you learn of the loss, theft, or compromise of your Digital Banking Login ID and/or password, and we can prove that we could have stopped someone from using your Digital Banking Login ID and/or password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by Bill Payment through Digital Banking, card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was provided electronically or mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. Contact in the event of unauthorized transfer Call or write to us at the phone number or address listed below if you believe:

  • Your card and/or code has been lost or stolen
  • A transfer has been made using the information from your check without permission

 

ERROR RESOLUTION NOTICE

In case of errors or questions about your electronic transfers contact us as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You may contact us the following ways: Toll Free Phone: 1-800-472-4292 Monday-Friday from 8 a.m. to 5 p.m. (PT) Email: onlinesupport@communitybanknet.com Secure Message: Submit a secure message using your Community Bank Digital Banking Access or by mail to: Community Bank Attn: Digital Banking Electronic Disputes 1288 SE Commercial DR College Place, WA 99324. Our business days are Monday – Friday, excluding Federal Reserve Holidays When you contact us, please be prepared with or to explain the following:

  • Tell us your name and account number (if any).
  • Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information.
  • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within 3 business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.