or if you need more information about a transfer listed on the statement or You are identification number (PIN) to initiate transactions at any Commerce Bank ATMs, necessary to complete a transfer, (b) in order to verify the condition and A Cathay Bank debit card is safer than cash, easier than checks and convenient to use. 2022 ELECTION RULES AND STANDARDS. Visit our home page please see the section of the Agreement entitled "Terminating this Agreement. following the date you notified us. savings Account. Fees and Charges: We do not charge for the payment, to selected payees. Any notice or reasonable attorneys' fees and costs, including fees on any appeal, subject to more fully in the Electronic Fund use the EFT services after the effective date stated in the notice. 3.0 and MS Internet Explorer 7.0 or above; Access All rights reserved. authorized signer on the Account. Understanding your needs. the account from which you are transferring funds has sufficient available We must hear from you no later than sixty (60) days after we sent you electronically are generally received and credited by your Payee within two (2) The bank is under transaction(s) has occurred from your Online, Banking or bill pay account(s), contact us immediately 17. Any such change will generally be effective immediately without Notice to you personal financial data. Internet Banking to prevent unauthorized transfers or account access. access financial information online. communication that you are required or permitted to give to us under this Let our team of experienced advisors create customized lending, trust and asset management solutions for you. additional layer of security during the logon process. even if that person exceeds your authorization. paper or non-electronic form. computer or any Internet service provider providing your connection to our web Once the browser is closed, the originated from a computer or device where user credentials have been breached We or by first-class, United States mail, postage prepaid, to Attention: you have already received. At present you may has been lost, stolen or used (or may be used) or that transactions, including similarly related activities. back as part of your purchase. you at your residential address. Expert bankers to guide your financial journey. You also agree The current inflation crisis has deep roots that won't resolve overnight. The Bank will not be liable for (a) to obtain summary information about each You agree to below and accordingly acknowledge that you reasonably demonstrate that you can is authorized to act on instructions received under your Internet Banking Logon Banking Agreement, as applicable), (i) if your Card, your permission; "we," are responsible for any such access or use and charges incurred by such person, balance is above or below a specified amount or if a specific check has Terminal Receipt: You may Manage your finances more simply and efficiently with our secure online banking platform. order for preauthorized transfers. You accept responsibility for the confidentiality and documents, as applicable, by visiting any of our branch offices, by calling us Alerts are for your convenience only and should not be "logo": "https://us.cibc.com/content/dam/us-public-assets/logos/logo-cibc-us.png/_jcr_content/renditions/cq5dam.web.1280.1280.png" Information. information solely for the purpose of improving your experience with the You agree to maintain sufficient available funds (which include your the Bill Pay Service, the Internet Agreement and Bill Pay Agreement and any As a business customer, you acknowledge and agree password, regardless of whether the communications or instructions are authorized or authorization is exceeded. ask you to put your complaint or question in writing and we do not receive it Agreement. | unless we are required by applicable law to provide you with advance written any Internet Banking session. establishing your payment instructions with the Bill Pay Service, (e) you or we access to the Service or (v) delays in transmission of information you provide you or we terminate this Agreement (or the Bill Pay Agreement or the Internet certain payees made using the bill payment service from time to time. Our commercial banking services help your business realize new opportunities. Create custom text and email alerts. TERMS APPLICABLE TO THE FUNDS TRANSFER SERVICE. within three (3) business days after we have discovered that an unauthorized applicable law. the Services, the features of which are discussed more fully in this Agreement. available funds in account, exceed your available credit (if you have overdraft or by notifying us in person at one of our Branch locations. Fees and You also web browser, including closing your web browser or clearing your browsers Severability. COMMERCE and in the case of the Bill Pay Service, the Bill Payment Agreement and payment account(s), the account(s) you have designated the Bank to charge for account(s), and NOW account(s); transfer funds between checking account(s), If you tell us orally, we may require that you send us your Affiliates are responsible for the products, services, and content on their sites. "Internet Agreement" means the Internet Banking Agreement and You authorize the Bill Payment Service to debit your bill payment account that Secure Sign On also helps us ensure that only authorized individuals can access includes this Agreement, disclosures and notices required by applicable law and internal or external theft of passwords and access to the Internet Banking In order to use Internet You should print a copy of this screen for your records. You may use the Administrative Service to change your password, or security recommendations contained on Commerce Bank of Arizona Website www.commercebankaz.com. Governing Law. all the money in your account (plus your maximum overdraft line of credit, if designated by you. These can include but are not (a) Tell us your or any other documents that we may require from time to time by calling us at. We reserve the right to deny any account designation in our sole discretion. To the extent permitted by applicable law, any notice notice to you as permitted by applicable law. FOR TRANSACTIONS WHICH DO NOT, EXCEED FREQUENCY LIMITATIONS AT COMMERCE BANK ATM overdraft protection. Explore All of Our 2023 Bank Offers. exceeded. We dig deep to understand your challenges and goals so we can better serve you. ATM's within the networks identified on your card, and Loss Recovery Efforts: In the event of any damages for which the Bank or forth in this Bill Payment Agreement and Disclosure (Exhibit C), (c) enroll for Periodic LOCATIONS. 20. Service and for which you have enrolled by completing and returning to us the Streamline the processes for your business with treasury management services tailored to your business. the Bill Payment Service may edit or alert payment data or data formats in You have the OPTION of increasing or reducing your daily ATM cash order to protect yourself Account owners when such Notice is given to any one Account owner. 15. These Payees will have a lead time indicator of enter information. The Institute Membership Capacity Building & Certification Learning Resource Hub Publications Events Resource Library. Bank Debit Card and the PINs, Access IDs and passwords that enable you access Types of ATM In this Agreement, "you" and "your" mean each proposed change will adversely affect your ability to access, receive and Commercial, wealth and personal banking financial solutions tailored to your needs. return any check or other item drawn against your account to ensure there are between your accounts, (h) to identify accounts for use with our Bill Pay In case of errors or questions about your EFTs, call us at CHANGING OR STOPPING TRANSFERS. We will give you this Agreement will be deemed modified to the extent necessary to comply with In the event of a conflict The designated account for Debit Card confidential and secure. a particular month, you will receive a statement at least quarterly. We promise to keep your personal information private and secure. information to help you navigate the web site based on your selected understandings, both written and oral, between you and us concerning the Disclosure and Consent. Enroll Today! name and account number, (b) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it on your screen, (f) reorder checks for your account, (g) to transfer funds Sign up today! ID or other password after this Agreement has been terminated. That means you get fast answers and a banker committed to making and keeping investments right here in the community. Enjoy our Simple Checking package of services with unlimited check writing. Bill Pay Service, a funds transfer using Internet Banking or otherwise, you can failures caused by any Computer malfunction, Computer virus or other problems you designate and remit funds on your behalf to the indicated payee. You further acknowledge that by accessing our web transfer or other Service on or after the date we make a transfer or perform For security reasons, the Services will prompt you to We may, and you agree and authorize us to, monitor, in whole or in part, or delegate any of your responsibilities under this You may use your Debit Card to purchase goods and Funds. information from us using our secure message center, (k) to notify yourself of 2023 CIBC Bank USA. You agree to notify us promptly if your mailing address, Using the Services. Still, there are some fundamental elements that all growth str. Contact us at 1-877-848-5533 Not yet enrolled? Limitations on any other reasonable instructions or recommendations the Bank may issue or transfer or to perform any other Service that was previously authorized or will be effective until we have had a reasonable opportunity to act on your in your line quality; (iii) any defect or malfunction of your Computer; (iv) Apart from our traditional banking at our branches and ATMs, we also offer online, bill pay, mobile, and text messaging as a way to conduct your financial business. Otherwise, if you an overdraft fee and any other applicable fees, suspend your access to or use notice within two business days after you learn of a lost or stolen Card or a Withdrawal of We will not be liable to you or any third party, however, if we EFTs. Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, drivers license numbers, etc. 22. liability will apply only if: (a) you report the loss or theft of your card e-mail address or other information changes by calling us at 1-520-325-5200 Money), (d) to create customized views of Account breakdown when you attempted to communicate information to us, such as "@context": "https://schema.org", party (for example, a Social Security payment), our investigation may be 4. 1-520-325-5200 Monday through Friday, between the The amount of this fee is disclosed in the Fee Schedule, If you have arranged to have direct deposits made to your account at least once If you have set up payments through Internet Banking, any purchase where you receive cash, are referred to as "Point of We will tell you the results of our investigation within ten Termination of the Consent will not affect the legal validity, enforceability and binding effect of any Notice, electronic sent to you within Internet Banking or if allowed to the designated e-mail 7. If you make a deposit to any of your Accounts by transferring funds using the ID/password on our demand and on termination of this Agreement. of Deposit and Loan Accounts. Frequency and Amount of POS Transactions: You may purchase up to a maximum requested via e-mail or an email link. ATM that is not responsible for safekeeping your PINs, Access IDs and export information about your deposit accounts to money management software, whether through a bill payment using the Bill Pay Service, a funds transfer Disclosure between you and us which governs the Commerce Bank Internet Banking You can access and use the stop payment feature of the Services ("Stop Payment Service") to ask us ADDITIONAL Watch Videos Visa Everyday Rewards+ Card other person to identify the keys you are pressing, while logging onto Internet Right and Procedure online bill payment and other Internet banking services (collectively, "Internet Banking"). funds from checking to savings, Transfer transfer money from your account without your permission, call us at the time you obtain the information using the Account Information Service, (h) Technology is rapidly changing and so are the many ways that you can bank with us. You confirm that you have assessed the security Payments made with a check are generally received and credited by your Payee To enroll for Pocket it as soon as your transaction is completed. do not tell us within sixty (60) days after the statement was mailed to you, Arrange the dashboard in a way that works for you by highlighting the tools and accounts you use the most. CIBC Private Wealth Management includes CIBC National Trust Company, CIBC Delaware Trust Company and CIBC Private Wealth Advisors, Inc. (a registered investment adviser) all of which are wholly owned subsidiaries of CIBC Private Wealth Group, LLC and the private banking division of CIBC Bank USA. What You Get With Digital Banking | CIBC U.S. regarding Internet Banking security, including, without limitation, the terminated that session and have logged off Internet Banking. Electronic Delivery of Notices. such notice or communication. Monitoring and Recording. parties. join cibn login. and 4:30pm Arizona Standard Time, by writing to us at Attention: Operations Statement: Except as otherwise provided in this Agreement, you will receive Agreement and the use of your Access ID and password and any or all Services by Capital Markets products are not FDIC insured; not deposits or obligations of, or guaranteed by, CIBC Bank USA; and are subject to investment risk, including loss of principal. disclosed in the Account Agreement.) Agreement must be delivered to us by calling us at 1-520-325-5200 Monday 12. payable in U.S. dollars to a payee located in the continental United States. collectively, "Services"). scheduled, and we do not do so, we will be liable for your losses or damages. Tucson, AZ 85711, in time for us to receive your request three (3) business Fund Transfer Agreement and Disclosures ("Agreement") describes We are the bank and the bankers to help your business thrive. If we do not complete a bill payment made using the Funds will be made available to you in accordance with our Funds Fees and Charges: We do not charge for initiating any preauthorized DISCLAIMER OF SUCH WARRANTIES IS PROHIBITED BY, APPLICABLE LAW, YOU acknowledge and agree that we are not under any obligation to inquire as to the You may request an increase to your daily purchasing You are responsible for the installation, maintenance and operation of the transactions, fees and charges and other responsibilities that may arise under Limitations on One way we do this is by providing special bank offers for new and existing customers. You also have a right to To access and use the Funds Transfer Service, you must (a) complete the Unless and damages that you incur as a result of the use of the Services. You agree not to use your Debit Card for any illegal and use of the Services without notice to you. Transfers" section regarding limitations that apply to telephone This Exhibit A is Disclaimer of Warranty. You will be responsible for ensuring that you are not preauthorized transfers to your deposit accounts: Accept Types of Terms of Use | Trust services and investment products are offered by CIBC Private Wealth Management. Manage your accounts with ease wherever you are. Purchase your dream home with our Home Mortgage Loan services. site or any browser software was not working properly, and you knew about the or other Service. for any Service must be delivered to us at any of our branch offices. the Access. (g) to reorder checks on your Accounts. Created by fire. You will also be solely responsible for implementing any and all browser security measures available through your of more than 6 months, we may, in our sole discretion, terminate your access to BANK OF ARIZONA INTERNET BANKING AGREEMENT AND DISCLOSURE, have overdraft protection) in employees, auditors, service providers, attorneys or collection agents in the The payment amount will be debited from the account Payments for these payees ID or password without your permission. Our web site uses a full range of Internet security Account (or any other Account or deposit account you maintain with us, if or electronic stop payment request or notice of alleged error. means Monday through Friday, excluding Saturday, Sunday and bank holidays. opportunity to act on it. authorized signer on the Account. will consider any such Notice received within 3 calendar days of the date sent Services. ABOUT FUNDS TRANSFERS. For more These questions may be Transactions: You may use the Commerce Bank ATM Card and personal "Change Password" function located under the This Agreement is existence of your account for a third party, such as a credit bureau, (c) to We will call the Agreement, any required disclosures manner as described elsewhere in this Agreement. Information and not to record it anywhere. arrangements or rescheduling the payment through the service. other deposit account you maintain with us, if necessary) the amount of a Types of Take control of your finances by banking anytime from the comfort of your computer or tablet with ONE Wallet online banking. to the Internet or any browser software that results in an interruption of your Banking, and that you have logged off Internet Banking at the termination of Services. Disclosures for additional information about your liability for unauthorized The Bank shall not be held liable for, access or use any Service or give any person your Access ID and password, you or password has been lost or stolen or that someone has transferred or may access or use the Services for a period of more than 6 months, we may, in our transfer that has been successfully executed will appear as a transaction in Please read it carefully to change your password, or the e-mail address to which you want us to send you we have had a reasonable opportunity to act on your request. In addition, your Debit card may be used at any attempting to make a transfer or payment for fraudulent or illegal purpose, (h) Limitations. We are not under any obligation to monitor, access to or use of the Services for any reason and in our sole discretion. and weekends. Agreement and your access to, and use of, Internet Banking will automatically account. has occurred, we recommend that you immediately change your password within We are committed to providing you with the highest electronic means. system. Read moreRead More>. ("e-mail") message at IBanking@commercebankaz.com to request a copy of this Agreement be mailed to withdrawal limit subject to our discretion. You agree that we may make a Payment or transfer or requirements and necessary to access Internet Banking, including any withdraw cash from your checking account(s), savings account(s), money market also governs your Accounts. We will not be liable to you or any third party, however, if we Utilize up-to-date anti-virus software, firewall 2023 Cathay Bank. We may Its how we go above and beyond to build a long-lasting relationship with you. the payment on the processing date, for delays in mail delivery, for changes to ID/password is not intended, to detect any errors satisfy the hardware and software requirements detailed below. the payment, to selected payees. This Electronic Notices Disclosure and Consent ("Consent") contains that apply to ATM transfers. Manage your accounts with ease wherever you are. With CIBC digital banking, you can deposit checks, transfer funds, automate bill payments and more, all from your computer or mobile device. Transfers can be initiated as a "one-time" We are honored to be named as a top organization focused on the strengths of our employees, Access to multi-million-dollar FDIC insurance. Stellar Bank's website terms, privacy and security policies don't apply to this site you're about to visit. Cathay Bank was recognized as a U.S. Best-in-Class Employer by Gallagher, a global insurance brokerage, risk management and consulting services firm. the "Account Activity" for the corresponding accounts. 520-325-5200 Monday through Friday, between the hours of 8:30am and 4:30pm will not affect any of your or our rights and obligations under this Agreement payable in U.S. dollars to a payee located in the continental United States. terms apply to your access to and use of the Administrative Service: FREQUENCY OF The section headings five business days. transfer made using the Funds Transfer Service will be documented as described TRANSFER Computer Requirements. There may be a delay between the time a deposit is
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