Internet Banking Agreement › Citizens Bank

Internet Banking Agreement and Disclosure Statement

Updated 02/28/21

This agreement contains the terms and conditions “Agreement” that govern accessing or using Internet Banking, Mobile Banking, Bill Payer, On Demand Transfer, and Person to Person (Zelle) Services (the “Services”). When you use the Services, you agree to the terms and conditions outlined in this Agreement. The terms “we”, “us”, “our”, and “Bank” refer to Citizens Bank. “You” and “your” mean each person who establishes an Online Account with us or who uses or is authorized to use an Online Banking identification number and password or other means of access we establish or approve. The term “Digital” means our service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the Internet by use of a personal computer, mobile phone and/or other means we authorize or allow.

Unauthorized use of these systems is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030. Bank or its Service Provider may monitor and audit usage of this system. You are hereby notified that the use of this system constitutes consent to such monitoring and auditing.

You also agree that this disclosure will act as an ("E-Sign Agreement") that applies to all communications, documents, disclosures and electronic signatures related to the products, services and transfers offered or accessible through the Services offered by the Bank for all cardholders, authorized users, account owners, account signers, applicants, and any other person using this Service as a Sender or Recipient or registering to use this Service.

You specifically agree that any electronic signature that you provide through this online process is valid and enforceable as your legal signature. You acknowledge that these electronic signature(s) will legally bind you to the terms and conditions contained in the E-Sign Agreement just as if you had physically signed the same document(s) with a pen.

BUSINESS DAY/HOURS OF OPERATIONS

“Business Day” means Monday through Friday excluding Federal Holidays.

Digital transfers and Citizens Bank loan payments may be performed until 7:00 pm Central Time (CT) on a Business Day. Transactions performed after 7:00 pm (CT) on a Business Day will be processed the next Business Day.

Bill Payer transactions will be processed if received by 2:00 pm (CT) on a Business Day. Bill Payment transactions received after 2:00 pm (CT) on a Business Day will be processed the next Business Day.

Processing occurs twice daily – the first of the day at 7:00 am (CT), the second at 2:00 pm (CT).

The payment will be processed on the date scheduled at the earliest possible processing time. If the payment was scheduled with today’s date and the last processing time has passed, the payment will be processed at the next possible processing time. For example:

Payment scheduled with today’s date and entered at 9:00 am (CT): Payment will process today at 2:00 pm (CT).
Payment scheduled with today’s date and entered at 3:00 pm (CT): Payment date will display tomorrow’s date and will process at 7:00 am (CT).
Payment scheduled with future date, regardless of time entered: Payment will process at 7:00 am (CT) on the scheduled date.

Payments do not get processed on holidays or weekends. If a scheduled payment falls on a holiday or weekend, it will be processed based on the “Pay Before” or “Pay After” setting within that payment’s setup. The setting of “Pay Before” will process the payment on the first Business Day prior to the original processing date. The setting of “Pay After” will process the payment on the first Business Day after the original processing date.

You must make a stop payment order by 7:00 pm (CT) on a Business Day in order for it to be effective the same Business Day. Stop payments placed after 7:00 pm (CT) on a Business Day will become effective the next Business Day. Stop payment orders must precisely identify the number, date and amount of the item and the payee.

If an On Demand Transfer (External Transfer) is scheduled before 1:00 pm (CT) on a Business Day, the transfer will be processed that Business Day and funds will be posted generally no later than two Business Days after it is processed.

Person to Person (Zelle) transfers can be made at any time. Zelle transfers are immediate. The Bank is not responsible for the timing on when the Receiver gets the transfer. Receipt could be delayed due to the Receiver not being registered with their bank or signed up with Zelle. Receiver will have 14 days to get registered with Zelle to receive the funds. If not received, the funds are returned to the Sender.

HARDWARE, SOFTWARE AND OPERATING SYSTEM REQUIRED

You are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment (collectively, "Systems") necessary for you to access and use the Services. This responsibility includes, without limitation, your utilizing up to date web browsers and access devices and the best commercially available encryption, antivirus, anti-spyware, and internet security software. The Bank is not responsible for viruses or related problems associated with use of these online systems.

Supported Operating Systems:

Windows: the supported operating systems are listed here: https://docs.microsoft.com/en-us/lifecycle/faq/windows
Apple: the supported Mac operating systems are listed here: https://support.apple.com/en-us/HT201260
Internet Browser with 128-bit encryption: Our supported browser notice can be viewed at: https://info.netteller.com/go/supported-browsers
Native Mobile Apps: only the Citizens Bank-WI Mobile Banking App for iPhone^® or the Citizens Bank-WI Mobile Banking App for Android™, available on Google Play™, are supported.

You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are certain security, corruption, transmission error, and access availability risks associated with using open networks such as the Internet and you hereby expressly assume such risks, including, but not limited to those we may disclose in our educational materials. You acknowledge that you are responsible for the data security of the Systems used to access NetTeller, and for the transmission and receipt of information using such Systems.

IDENTIFICATION NUMBER AND PASSWORD

To access our Digital service, you must use the identification number and/or other means of access we establish or provide for your Online Banking Account, together with a password. Anyone to whom you give your Online Banking identification number and password or other means of access will have full access to your accounts even if you attempt to limit that person's authority.

INTERNET FUNDING ACCOUNT

You may not designate any account that requires more than one signature for withdrawals. You must be the owner of this account.

ONLINE BANKING SERVICES

You or someone you have authorized by giving them your Online Banking identification number (ID) and password or other means of access (even if that person exceeds your authority), can perform the following transactions via our Internet Banking and Mobile Banking services:

View details on Deposit Accounts and most loans
View history on Deposit Accounts and most loans
Balance inquiries on Deposit Accounts and most loans
Transfer of funds between qualifying Citizens Bank accounts
Loan Payments from Deposit Accounts to most Loan Accounts
Perform other transactions that we authorize
You may use NetTeller to view copies of checks and Deposit Account statements, place stop payments on checks, download account information to personal financial management software such as Quicken® and set up account alerts.
For security reasons, your Online Banking ID will become dormant after 120 days of inactivity

Bill Payer

Bill Payer allows you to enter and schedule the date of payments you want to make.
A recurring scheduled payment can be set up in advance to any date in the future. A ‘one time’ payment can be set up to be processed up to 18 months in the future.

On Demand Transfer

Allows you to transfer money between most deposit accounts you have with Citizens Bank and most deposit accounts (Checking, Savings, Money Market and NOW Accounts) you own at other financial institutions provided funds are available in the account you are transferring money from. You are responsible for having sufficient available funds on deposit to execute an External Transfer in full on the scheduled dates.
Access to On Demand Transfer may be stopped after 90 days of inactivity.

Person to Person (Zelle) Transfer

Allows you to transfer money from any Checking or Savings Account with Citizens Bank to an account located at Citizens Bank or another Financial Institution. You are responsible for having sufficient available funds on deposit to execute an External Transfer in full on the scheduled date. You agree to use “Zelle” in compliance with the Bank’s “Zelle Network Standard Terms” which are incorporated into and made part of this Agreement by this reference. They are available on the Bank’s website at: https://www.citizenbank.bank/legal/zelle-terms

Limitations for NetTeller Banking, Bill Payer, On Demand Transfer, and Person to Person (Zelle) Transfers

You must have enough available money or credit in any Deposit Account from which you instruct us to make a payment or transfer.
Check payments are limited to $999,999.99.
Email payments are limited to $3,000.00 per payment with a cap of $10,000.00 per day.
Electronic payments are validated against the available account balance prior to processing with a maximum limit of:
- Bill Payer: $999,999.99.
- On Demand Transfers: Outbound limit is defaulted to $5,000.00. Inbound limit as indicated on “On Demand Transfer” application.
- The minimum amount that can be sent for either check or electronic is $0.01.
On Demand Transfer can only be used by Consumers. Businesses are not allowed to use this Service.
Person to Person transfers, see the “Zelle Network Standard Terms” for details.
The Bank may establish a limit on the number of P2P transfers and on the total dollar amount of transfers that can be attempted or completed in one day.

Mobile Services

Your enrollment in Online Banking may include access to some products and services through a mobile device ("Mobile Services"). By using the Mobile Services, you agree to the following Agreement. You agree that we may send you information relative to Mobile Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the Mobile Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable Federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement.
The Mobile Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the Mobile Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the Mobile Services. We reserve the right to determine your eligibility for any product, service, or functionality. The method of entering instructions via the Mobile Services may also differ from the method of entering instructions directly through Online Banking without the use of a mobile device We are not responsible for such differences, whether or not attributable to your use of the Mobile Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.
You may use our Native apps for the iPhone, iPad, and Android devices. These can be downloaded from the various app stores for your device.

BILL PAYMENT SERVICES (BILL PAYER)

You authorize us to follow your payment instructions. “Electronic Payments” - for a Pay One or Pay Many payment(s), we will deduct your payments(s) from your Checking Account on the date you set for the payment to be forwarded to the payee (the “Payment Date”) or within 2 Business Days of the Payment Date. For Recurring Payments, we will deduct your payment from your account on the start date (“Start Date”) or within 2 Business Days of the start date. We will deduct subsequent payments from your account using the start date as a reference point. “Check Payments” - for payments that are processed via check(s), the funds will be deducted from your account when the issued check for that payment gets presented against your account. We will initiate payments to payees designated by you. To ensure on-time payments, allow at least 3 Business Days for electronic and 7 Business Days for standard check payments. If a payee does not accept electronic payments, you authorize us to make payment by check. We may, but need not, deduct these payments from your designated account even if they create an overdraft.

The date a payee credits a payment depends upon the payee’s payment processing procedures and any specific requirements for payments, as well as delays in receiving a payment. We will not be responsible for:

delays in crediting payments by a payee that are the result of their procedures;
your failure to follow a payee’s payment requirements;
your failure to schedule a proper date for payment sufficiently in advance of the date a payment is due;
delays in any mail service; or
other exceptions stated in this Agreement.

You authorize us to make payments by electronic, paper or other means we determine appropriate.

Upon termination of the bill payment service by either party, you will be responsible for making arrangements to pay any future or Recurring Payments. We reserve the right to refuse to pay a payee for reasons we deem sufficient, including, without limitation, if:

your designated account has insufficient available funds,
a payee has refused to accept a payment,
you attempt to make a payment to a governmental agency or to a payee outside of the United States or a U.S. territory,
you attempt to make a court-directed alimony or support payment, or
your Bill Payer account becomes inactive for greater than 90 days

You are responsible for having sufficient available funds on deposit to make payments in full on scheduled dates.

PERSON TO PERSON (ZELLE) SERVICES

You agree to receive all legal and regulatory notices, disclosures and other communications associated with this Service through electronic means including web-based electronic interface, mobile phone interface or email.

You agree to use “Zelle” in compliance with the Bank’s “Zelle Network Standard Terms” which are incorporated into and made part of this Agreement by this reference. They are available on the Bank’s website at: https://www.citizenbank.bank/legal/zelle-terms

BILL PAYMENT AND TRANSFER SERVICE FEES

Bill Payer Service: There may be a fee for making payments using the Bill Payer Service. Please refer to the Bank's “Schedule of Fees | Personal Accounts or Schedule of Fees | Business Accounts" for fees relating to the Bill Payer Service. Fees are subject to change from time to time upon notice to you as may be required by law. If we process a payment in accordance with your Instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement. We will not be liable for failure to pay any bill payment request unless it is drawn against available funds credited to the designated Pay From account.

Internal Transfer Service Fees: If we process an Internal Transfer in accordance with your instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement.

On Demand Transfer Service Fees: There may be a fee for making outgoing and/or incoming Transfers using the On Demand Transfer Service. Please refer to the Bank's “Schedule of Fees | Personal Accounts" or "Schedule of Fees | Business Accounts" for fees relating to the On Demand Transfer Service. Fees are subject to change from time to time upon notice to you as may be required by law. If we process a transfer in accordance with your Instructions that overdraws your account, we may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement. If we process a transfer in accordance with your Instructions that overdraws your account at another Financial Institution, they may assess a fee or charge interest for any such overdraft in accordance with the terms of your Deposit Account Agreement with the other Financial Institution. You will not hold Citizens Bank responsible to pay any fees or charges assessed by your other Financial Institution.

You will be responsible for paying any telephone company or utility charges and/or Internet access service fees incurred while using telephone lines and/or Internet access services to connect with Online Banking. If you use personal financial management software to access your accounts (such as Quicken^®), a fee may be charged for the use of those services and additional service terms and conditions may apply.

Person to Person (Zelle) Service Fees: You agree to use “Zelle” in compliance with the Bank’s “Zelle Network Standard Terms” which are incorporated into and made part of this Agreement by this reference. They are available on the Bank’s website at: https://www.citizenbank.bank/legal/zelle-terms

OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS

If you follow the procedures in this agreement and help screens, and we fail to send a payment on the Payment Date or other scheduled payment date, we will reimburse you for any late charge penalty assessed by a Payee because your payment was received late. In any other event, the risk of incurring and the responsibility for paying any and all late charges or other damages or penalties shall be borne by you.

If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are exceptions. We will NOT be liable, for instance:

If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
If any payment or transfer would go over the credit limit of any account.
If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it is due.
If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricts the transaction.
If circumstances or persons beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.
There may be other exceptions provided by applicable law.

If you believe you are entitled to a reimbursement for a late charge penalty please contact us at 262-363-6500 during normal business hours.

You agree to indemnify, defend, and hold the Bank and its affiliates, officers, directors, employees, consultants, agents, service providers and licensors harmless from any and all third party claims, liability, damages, and/or costs (including but not limited to reasonable attorneys’ fees) arising from your use of the Service, our reliance on the Transfer instructions and other information you provide, the performance or non-performance of other financial institutions, or other signers, owners or users of your Accounts.

STATEMENTS

Your Internet Banking payments and transfers will be indicated on the statement we provide or make accessible to you for the Internet Funding Account. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement, or statement information.

YOUR LIABILITY

You agree to the terms of this account and the Bank's “Schedule of Fees | Personal Accounts" or "Schedule of Fees | Business Accounts" that may be imposed. You authorize us to deduct these charges as accrued directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your Internet Banking identification number and password or other means of access and want to terminate that person's authority you must change your identification number and password or other means of access or take additional steps to prevent further access by such person.

LIMITATIONS OF WARRANTIES

THE SITE AND SERVICE AND RELATED DOCUMENTATION ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE SITE MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OR CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU. THIS PARAGRAPH GIVES YOU SPECIFIC LEGAL RIGHTS AND YOU MAY ALSO HAVE OTHER LEGAL RIGHTS THAT VARY FROM STATE TO STATE.

THE FOREGOING SHALL CONSTITUTE YOUR EXCLUSIVE REMEDIES AND THE ENTIRE LIABILITY OF THE BANK AND ITS AFFILIATES AND SERVICE PROVIDERS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, FOR THE SERVICE AND THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE SERVICE MAY BE DELAYED, INTERRUPTED OR DISRUPTED PERIODICALLY FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING, BUT NOT LIMITED TO, ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICE, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS OR OTHER REASONS.

LIMITATION OF LIABILITY

IN NO EVENT SHALL THE BANK OR ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICE CAUSED BY ITS AFFILIATES OR SERVICE PROVIDERS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE SERVICE OR THE PORTION OF THE SITE THROUGH WHICH THE SERVICE IS OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM.

ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – CONSUMER ACCOUNTS ONLY

If you think your statement or receipt is wrong, or you need more information about a transaction on your statement, write us at:

Citizens Bank
P.O. Box 223
Mukwonago, WI 53149-0223

Or, you may send us a secure email through your Online Banking account or secure message using the “Contact Us” application from our website, www.citizenbank.bank.

In your letter, give us the following information:

Your name and account number.
A brief description of the error or transaction you are unsure about and an explanation why you believe there is an error or why you need more information.
The dollar amount of the suspected error.

You can also telephone us at 262-363-6500, but doing so will not preserve your rights.

We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.

If you told us of your complaint or question orally, we may require that you send us your complaint or question in writing within 10 business days. If we do not receive your written complaint or question within 10 business days, we may not provisionally credit your account. We will investigate your complaint and correct any error promptly. If we take more than 10 business days to investigate, we will credit your account 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 need more time, however, we may take up to 45 calendar days to investigate your complaint or question. In the case of point of sale transactions and foreign-initiated electronic fund transfers, we may take up to 90 calendar days to complete our investigation. If we decide to do this, we will provisionally reaccredit your account within 10 business days for the amount in question.

If a claim is made within 30 calendar days of opening an account, we may take up to 90 calendar days to investigate your complaint. If we decide to do this, we will provisionally credit your account within 20 business days for the amount in question. If we determine there is no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents used in the investigation.

ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – BUSINESS ACCOUNTS ONLY

In case of errors or questions about your electronic transfers or payments you should contact us as soon as you can by calling at 262-363-6500 or writing us at:

Citizens Bank
P.O. Box 223
Mukwonago, WI 53149-0223

Or, you may send us a secure email through your Online Banking account or secure message using the “Contact Us” application from our website, www.citizenbank.bank.

If you think that your statement is wrong or you need more information about a transfer or payment listed on the statement we must hear from you no later than sixty (60) days after we sent or otherwise made available to you the first statement on which the problem or error appeared. Failure to so notify us will preclude you from being able to assert a claim based on such problem or error. Any errors reported to us will be investigated by us and we will advise you of the results of our investigation.

In case of errors or questions about your electronic transfers that appear on your External Account statements, please contact the financial institution that provided such statement to you in accordance with the terms and conditions of your External Account.

DISCLOSURE OF ACCOUNT INFORMATION

We will disclose information to third parties about your account or electronic funds transfers made to your account:

Where necessary to complete a transfer or investigate and resolve any errors involving the transfer(s); 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, subpoenas, summons, warrants or other lawful process; or
With your consent

LOSS OR THEFT OF YOUR ONLINE BANKING IDENTIFICATION NUMBER OR PASSWORD

If you believe your Online Banking identification number, password or other means of access have been lost, stolen or that someone has used them without your authorization, contact us on normal business days, excluding holidays:

Between 8:30 a.m. and 5:00 p.m. Monday – Friday call us at 262-363-6500.
Between 5:00 p.m. and 7:00 p.m. Monday – Friday call one of our In-Store branches
Between 10:00 a.m. and 4:00 p.m. on Saturdays call one of our In-Store branches
Between 10:00 a.m. and 3:00 p.m. on Sundays call one of our In-Store branches
- In-Store Branches
  - East Troy Office: 262-642-6700
  - Muskego Office: 414-422-9200
  - Parkview Office: 262-363-6525

Or you may E-Mail us at: ONLINESUPPORT@CITIZENBANK.COM

We will send an e-mail back to you as confirmation that we did receive it. Because the Internet is not secure, do not include any of your account or social security numbers with your e-mail.

Or write to us at:

Citizens Bank
P.O. Box 223
Mukwonago, WI 53149-0223

Quickly telephoning us is the best way of reducing your possible losses. If you leave a message on our voicemail, please leave your name, address, phone number and a brief message as to what the problem might be.

RIGHT TO TERMINATE ACCESS

The Bank reserves the right to terminate the Service, in whole or in part, at any time with or without cause and without prior written notice. In that event, the Bank may (but is not obligated to) immediately discontinue making previously authorized transfers, were previously authorized but not yet made. The Bank also reserves the right to temporarily suspend the Service in situations deemed appropriate by us, in our sole discretion, including when either believes a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your Online Banking ID or password as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination.

Your Online and Mobile Banking Services may be terminated at any time without prior notice due to:

Insufficient funds in your account
If your account has been closed or restricted for any reason
You or any authorized user of your Online Banking User ID and Password breach this or any other agreement with us
The Bank has reason to believe that there has been an unauthorized use of your Online Banking User ID and Password
The Bank notifies you or any other party to your account that we have cancelled or will cancel this Agreement

You or any other party to your account may terminate the use of the Online and Mobile Banking Services by contacting the Bank in writing by mail, secure email, or personal delivery. See details in the Section titled: “ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – CONSUMER ACCOUNTS ONLY”. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Service will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

Your Online Banking account must be accessed at least once every 120 days in order to keep it from going into a dormancy status. If you allow your online account to become dormant, your privileges may be revoked without further notice.

CANCELLATION OF THE SERVICE

You may cancel the Service at any time. Contact the Bank by any method as described in the Section titled: “ERRORS OR QUESTIONS ABOUT BILL PAYMENTS AND TRANSFERS – CONSUMER ACCOUNTS ONLY”. The Bank will need two business days to terminate the Service from your Online Banking account. Any transaction(s) made before or up to the time the Bank turns off the Service are the responsibility of the User as described by this Agreement.

You may re-sign up for the Service at any time. The Bank has the right to deny the re-activation of Service for any reason.

GOVERNING LAW

This Agreement is governed by applicable federal law and the laws of the State of Wisconsin. You agree to comply and be bound by, all applicable state or federal laws, rules, regulations, and this Agreement.

AMENDMENTS

The Bank may amend the Internet Banking Agreement and Disclosure Statement at any time by posting a revised version on the Bank’s website, at: https://www.citizenbank.bank/disclosures-and-agreements. The revised version will be effective immediately at the time it is posted unless a delayed effective date is expressly stated therein. Bank may also provide you with an email notification of such amendments. The Bank may require you to affirmatively acknowledge or accept the revised Agreement in order to continue using the Service. Any use of the Service after a notice of change (whether by Site posting, email, or express acknowledgment or acceptance) will constitute your express agreement to those changes.

THIRD PARTY TRADEMARKS

Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iPad is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android and Google Play are trademarks of Google Inc.

Quicken and Quickbooks are a trademark of Intuit Inc., registered in the United States and other countries.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.