Disclosures

Provisions Covering All Accounts

The Equitable Bank, S.S.B. reserves the right to cancel any account or related service.

View our Electronic Funds Transfer Disclosure

Please refer to our fee schedule for fees and charges that may apply to The Equitable Bank accounts and products.

Checking Accounts

Information Applying To All Checking Accounts

  • There is no monthly service fee for accounts under our “Check Keeper” program. Up to three (3) photocopies per month are available without charge.
  • There is a monthly fee for accounts enrolled in the “Check Image” program. A reduced image of the front and back of all checks written will be returned with the monthly statement.
  • An ATM card or a Debit card is available.
  • Deposits may not be available for immediate withdrawal. Please refer to our funds availability brochure for further information on how we process check deposits.
  • Check deposits will not start earning interest until the second business day after deposit.
  • We are not obligated, but may at our discretion, pay a check other than a certified check presented for payment more than six months after its date. If the customer does not want us to pay a stale-dated check, they must place a stop-payment order on the check.
  • Our customer agrees not to date a check later than the day they write the check, drawn on their checking account (post-dated). If the customer post-dates a check and the check is presented for payment prior to the date written on the check, we may either pay the check against their account or refuse to pay it. If we pay a post-dated check that the customer has written, they agree that we will not be liable for any alleged losses they may incur, such as the loss of interest or losses resulting from overdrafts and overdraft charges.
  • Fees may be assessed for overdrafts, stop payment requests, statement copies, check copies, transfers of funds to cover an overdraft, an account closed within the first 90 days after opening, or accounts that remain negative for 5 or more days.

E-Checking

  • To open an E-Checking Account, an initial opening deposit of $100 is required.
  • This account has a variable interest rate. The Annual Percentage Yield may change.
  • A variable E-Rewards interest rate will be paid on balances up to $10,000 providing requirements have been met per statement cycle.
  • Interest is compounded and credited monthly based on the actual daily balance.
  • The following requirements must be met in order to earn the E-Rewards rate.
    • A minimum of 1 direct deposit posted each statement cycle
    • Establish and maintain E-Banking
    • Establish and maintain E-Statements
    • Any combination of 10 POS-signature based debit card transactions or auto-withdrawals posted per statement cycle

TEB U Checking

  • To open a TEB U Checking Account, an initial opening deposit of $100 is required.
  • No interest is paid on this account.
  • This account is for students ages 16-24. Customers age under 18 years old must have a parent or guardian as co-owner on the account.

Homeowners Checking Account

  • To open a Homeowners Checking Account, an initial deposit of $100 is required and a signer on the account must own a home.
  • This account has a variable interest rate. The Annual Percentage Yield may change.
  • Interest is compounded and credited monthly based on the actual daily balance.

Relationship Checking

  • To open a Relationship Checking Account, an initial deposit of $100 is required.
  • This account has a variable interest rate. The Annual Percentage Yield may change.
  • Interest is compounded and credited monthly based on the actual daily balance.
  • One of the following services must be established, maintained, and linked to this account, otherwise a monthly fee will be assessed:
    • Home Equity Line of Credit of $10,000 or more
    • Certificate of Deposit with a balance of $10,000 or more
  • One of the following services must also be established, maintained, and linked to this account, otherwise a monthly fee will be assessed:
    • Direct Deposit of Social Security, payroll or pension checks
    • Automatic payment program for a loan at Equitable

Senior Preferred

  • To open a Senior Preferred Account, an initial deposit of $100 is required and a signer on the account must be at least 50 years old.
  • This account has a variable interest rate. The Annual Percentage Yield may change.
  • Interest is compounded and credited monthly based on the actual daily balance.

Money Market Accounts

Equitable Money Market Account

  • To open an Equitable Money Market Account, an initial deposit of $2,500 is required. The account is subject to a $2,500 minimum daily balance. Should the account fall below the minimum balance, a fee will be assessed.
  • Unlimited in person withdrawals are permitted.
  • Balances up to $24,999 earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Balances of $25,000 and greater earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Interest is compounded and credited monthly based on the actual daily balance.
  • An ATM card or a Debit card is available with this account.
  • Fees may be assessed for: overdrafts, stop payment requests and more than six (6) preauthorized transfers in any statement period.
  • As many as six (6) preauthorized transfers per statement month are available. This includes any combination of ACH debits, ODP debits, telephone transfer withdrawals, online banking transfer withdrawals, POS debits or checks written against the account.

Relationship Money Market Account

  • To open a Relationship Money Market Account, an initial deposit of $1,000 is required.
  • There is no monthly maintenance fee.
  • Unlimited in person withdrawals are permitted.
  • Balances up to $9,999 earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Balances up to $24,999 earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Balances up to $99,999 earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Balances of $100,000 and greater earn a variable interest rate set by the bank. The Annual Percentage Yield may change.
  • Interest is compounded and credited monthly based on the actual daily balance.
  • An ATM card or a Debit card is available with this account.
  • Fees may be assessed for: overdrafts, stop payment requests and more than six (6) preauthorized transfers in any statement period.
  • As many as six (6) preauthorized transfers per statement month are available. This includes any combination of ACH debits, ODP debits, telephone transfer withdrawals, online banking transfer withdrawals, POS debits or checks written against the account.

Savings Accounts

Information Applying To All Savings Accounts

  • Federal regulations require us to reserve the right to require seven (7) days notice of withdrawal.
  • Deposits may not be available for immediate withdrawal. Please refer to our Funds Availability brochure for further information on how we process check deposits.
  • Savings deposits will not start earning interest until the funds are available for withdrawal.
  • Changes in interest rates are at the discretion of The Equitable Bank, S.S.B.
  • Fees will be assessed for accounts closed in the first 90 days after opening.

Savings

  • To open a Savings, an initial minimum balance of $100 is required. This account is subject to a $100 minimum daily balance. Should the account fall below the minimum, a fee will be assessed.
  • This account has a variable interest rate. The Annual Percentage Yield may change.
  • Interest is compounded and credited quarterly based on the actual daily balance.
  • An ATM card is available.
  • As many as six (6) preauthorized transfers per statement month are available. This includes any combination of ACH debits, ODP debits, telephone transfer withdrawals, or online banking transfer withdrawals. A fee may be assessed for more than six (6) preauthorized transfers per statement month.

Certificate of Deposit Accounts:

Information Applying to All Certificate Accounts

  • Any withdrawal which reduces the account balance below the Minimum Balance Requirements shall be considered a withdrawal of the entire account balance, and shall be subject to the penalties previously described.
  • The penalties previously described will not be imposed for withdrawal of principal following the death or adjudication of incompetence of any account holder. The penalties previously described may not be imposed for withdrawal of principal to pay for nursing home expenses with evidence account holder is residing in a nursing home. Subject to minimum Federal Reserve requirements.
  • Earnings credited to the account during any term may be withdrawn at any time during such term without penalty.
  • If the account is renewed at the same earnings rate, earnings during the preceding term as well as the current term may be withdrawn at any time without penalty during the Renewal Term.
  • If the renewal term is different, earnings in the account at the end of the renewal term shall be deemed merged with the principal and only earnings for the Renewal Term may be withdrawn at any time without penalty during such term.
  • In the event that the entire account or any portion thereof is withdrawn not more than seven days after a maturity date, earnings shall be paid at the rate of earnings set forth to the date of withdrawal without reduction for any penalty.
  • Deposits after account opening are not permitted.
  • Check deposits will not start earning interest until the second business day after deposit.
  • To open a 28-day, 91-day or six-month certificate, an initial minimum balance of $2,500 is required. To open a 1-10 year certificate, an initial minimum balance of $500 is required.

Earnings

A fixed rate certificate account will receive earnings based on the rate of interest established on the opening day for the initial term of the certificate. Interest is credited quarterly on fiscal quarters for the 91 day and six-month certificates, and on calendar quarters for one to ten year certificates. In addition, one to ten year certificates credit any accrued interest accumulated from the last quarter to the date of maturity.
All certificate accounts earn daily compounded interest, unless otherwise stated. The annual percentage yield assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.

Renewal Terms

Certificate accounts are automatically renewed at the close of business on the initial maturity date or on the maturity date of any renewal term unless: (1) It is withdrawn within the seven (7) days grace period or (2) The bank elects not to renew the certificate upon maturity, in which case the account will be converted to a savings account and receive earnings at the rate then paid on a savings account.
The term of any renewal period is stipulated in the certificate. The rate of earnings for any renewal term shall be at the rate the bank is paying at that time on new accounts of this class.

Select-A-Term

You may “Select-A-Term” with a maturity that meets your needs. Terms from 28 days to ten years are available. For certificates with non-standard terms, the rate of interest would be the published rate for the closest shorter term. All Certificate Programs are available for Individual Retirement Accounts.

Certificate of Deposit Penalties

28 Day Certificate of Deposit
No withdrawals permitted for the term of this account.

91 Day Certificate of Deposit
No withdrawals will be permitted on this account for the first 45 days. In the event of any withdrawals following the first 45 days, but prior to maturity, the Account holder shall forfeit an amount equal to all earnings paid, credited, and accrued on the amount of the withdrawal.

6 Month Certificate of Deposit
In the event of any withdrawal of principal from this account prior to a maturity date, the Account holder shall forfeit an amount equal to or whichever is greater of (1) all earnings paid, credited, or accrued on the amount withdrawn, or (2) three months of interest, whether earned or not, on the amount withdrawn at the simple interest rate being paid on the account, regardless of the length of time the funds withdrawn have remained in the account.

1-3 Year Certificate of Deposit
In the event of any withdrawal of principal from this account prior to a maturity date, the Account holder shall forfeit an amount equal to six months of interest, whether earned or not, on the amount withdrawn at the simple interest rate being paid on the account, regardless of the length of time the funds withdrawn have remained in the account.

4-10 Year Certificate of Deposit
In the event of any withdrawal of principal from this account prior to a maturity date, the Account holder shall forfeit an amount equal to 12 months of interest whether earned or not, on the amount withdrawn at the simple interest rate being paid on the account, regardless of the length of time the funds withdrawn have remained in the account.

ATM Cards and Debit Cards

  • The Equitable Bank ATM Card can be used to withdraw cash from selected Equitable accounts via an ATM (Automated Teller Machine).
  • A Debit Card can be used to get cash from ATMs as well as make purchases at retail merchants.
  • ATM Cards are available with selected accounts. The fees and service charges assessed vary based on the type of account the ATM Card is linked to.
  • Debit cards are available with all checking and money market accounts. The fees and service charges assessed vary based on the type of account the debit card is linked to.
  • If a card is linked to both the checking account and a statement savings account at The Equitable Bank, the service charges assessed will be based on the checking account.
  • When you use an ATM not owned by us, you may be charged a fee by the ATM operator or the network used.
  • You may be charged a fee for a balance inquiry by the network used even if you do not complete a funds transfer.
  • There is no annual fee for The Equitable Bank ATM or Debit Cards.
  • Transactions done at terminals owned by The Equitable Bank will be free. Withdrawals in excess of ten (10) at non-Equitable ATMs may be assessed a fee.
  • The Equitable Bank reserves the right to cancel any ATM or Debit Card at any time without notice.
  • All accounts with ATM or Debit Cards are subject to Regulation E.
  • A fee will be assessed to replace stolen or lost ATM or Debit Cards.
  • A fee will be assessed for reissue of a Personal Identification Number (PIN) for your ATM or Debit Card.
  • A fee will be assessed for any empty envelope deposited into an ATM.
  • A fee will be assessed for a check returned back to us.

Privacy Policy

Web Site Privacy Policy Statement

The Equitable Bank uses the automatic data collection information described below for internal system administrative purposes to measure the volume of requests for specific web pages, and to continually improve our website to be responsive to the needs of users. The only exception is if you knowingly and voluntarily provide personally identifying information, such as if you include your name and address when you contact the webmaster. Please refer to our General Privacy Policy Statement for our procedures and policies regarding the collection and sharing of non-public personal information.

Information collected about you when you visit our website (We do not use “Cookies”):

  • The unique Internet Protocol (IP) address of each visitor for the purpose of counting each unique visitor. These IP addresses are not the property of the visitor, but are assigned by that Visitors Internet Service Provider (ISP) to their computer when they log-on to the Internet. We will also know which provider or domain name that the visitor originated from.
  • The “Search Engines,” key words and links a visitor used to access our site.
  • The sequence of pages that a visitor used to navigate through our site.
  • The type of browser (Internet Explorer, Navigator, etc.) used by a visitor to our site.
  • The type of “Plug-Ins” being used.
  • The color depth and screen width of the monitor.

General Privacy Policy Statement

For more information about what The Equitable Bank does with personal information, please read our Privacy Policy.

Terms and Conditions for E-Banking, Mobile Banking and Mobile Deposit

To use E-Banking registration and to access the Service, you must accept this E-Banking Agreement (the “Agreement”) between The Equitable Bank (the “Bank,” “we,” “us” or “our”) and each customer enrolled in the E-Banking service (“you,” “your” or “yours”). This Agreement contains the terms and conditions that apply to your use of the Service. The terms and conditions contained in this Agreement are in addition to any and all terms, conditions, rules and regulations that apply to any accounts, including the Account(s), or services you obtain from the Bank. Your registration for use of the Service constitutes your acknowledgment and agreement with the terms and conditions of this Agreement.
The Bank reserves the right to change the terms and conditions of this Agreement at any time. When material changes are made, we will update this Agreement and send you a notice at the address shown on our records, or we may notify you by email. Revised terms and conditions shall become effective at the earliest date allowed by applicable law or regulation. It is your responsibility to review the Agreement from time to time to be aware of any modifications. Your continued use of the Service will indicate your agreement to any such modification.

This Agreement provides consumer protections for our customers who use the Service for personal, family or household purposes. For business Accounts, such protections do not apply.
To complete your E-Banking registration, read this Agreement and click the “Accept” button at the end of this Agreement. Please note that you must click the "Accept" button in order to process your application.
Please be advised that by clicking on the "Accept" button, you are consenting to receive the Electronic Disclosures discussed herein electronically.

I. Definitions

Account(s) – are your deposit and other accounts, including checking, savings, money market accounts, CDs and IRAs, with us that may be accessed via E-Banking.
Account Agreement(s) – are your agreements with us governing your Accounts.
Bill Payment Account(s) – is the Account(s) you have designated for us to debit with respect to Payees in connection with Bill Payment.
Bill Payment – is the service function that allows you to pay or transfer funds to designated Payees based upon your instructions to us via a personal computer or your Mobile Device.
E-Banking – is the Internet based service that provides access to your Accounts with us.
Electronic Disclosures – are those disclosures discussed in the section of this Agreement entitled “Online and Mobile Banking Services Electronic Disclosure and Consent.”
Mobile Account – is an Account that you have enabled to be accessed from your Mobile Device.
Mobile Banking - permits you to obtain information about your Mobile Accounts, make transfers and Mobile Deposits and view alerts with your Mobile Device.
Mobile Device – is a cell phone or other handheld device that can send and receive information using the Mobile Banking. Information concerning the requirements for Mobile Devices can be found on our website, which may be updated from time.
Mobile Deposit – is a deposit to your Mobile Account via your Mobile Device.
Payee – is any individual, bank, educational institution, company, merchant or other business entity you wish to pay using Bill Payment.
Service - means collectively the E-Banking and Mobile Banking services provided under this Agreement.

II. Access to the Service

Eligibility and Security Code: In order to activate the Service, you must have at least one Account with us. You must enroll in E-Banking in order to use Mobile Banking. If you are logging into E-Banking for the first time, you will be able to select an E-Banking identification (“ID”) and password (collectively, a “Security Code”). Your ID may be up to eighteen (18) characters of any combination of letters, numbers or special characters. Passwords may contain a minimum of seven (7) and a maximum of sixteen (16) characters (alpha and numeric). Special characters such as punctuation marks (#, @, *, etc.) cannot be used in passwords. Passwords also cannot read the same backwards and forwards. Please note that your Security Code is CasE SenSiTive. For security purposes, we recommend you memorize your Security Code and do not write it down.
We may require you to change your Security Code from time to time. By entering into this Agreement and using E-Banking, you agree to protect the security of your Security Code and any other numbers, codes, marks, signs, tokens, or other means of identification of you as an E-Banking client. Any person having access to your Security Code will be able to access E-Banking and perform all transactions, including reviewing information and making transfers.
Your ID and password can remain in your browser's cache and anyone could gain access to your Account if you leave your browser unattended. For that reason, we recommend you always use the “Logout” button to exit E-Banking and close out your browser once you have completed your session, anytime you walk away or when you open another browser.
When activating E-Banking, you will be given the option to register your computer as a computer that you trust and use regularly. Do not register any computer with E-Banking that you do not control or that is accessible to the public.
Upon registration, you will also be required to provide answers to a series of challenge questions. The challenge questions may be used to verify your identity when you are logging in from a computer that has not been registered with E-Banking.

Security: E-Banking utilizes a comprehensive security strategy to protect your Accounts and transactions conducted over the Internet.

  • Encryption – The Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using E-Banking. Your browser automatically activates this technology when it attempts to connect to our Service. The Service requires a browser that supports 128-bit encryption. The Service will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked.”
  • Certificate Authority – The servers hosting E-Banking have been certified by a Certificate Authority to assure you that you are actually talking to the Bank instead of someone pretending to be us. If you are using an older browser, such as anything prior to versions 4.0 on Netscape Navigator or Internet Explorer, you will see that the Certificate Authorities key may have expired. You will need to update your browser. By clicking on the lock, you can view the certificate to ensure it is valid.
  • Cookies – When you use E-Banking, a persistent encrypted cookie will be passed to your computer in order to confirm your identity. This cookie enables us to process multiple transactions during the session without you having to provide your Security Code for each individual transaction; however, it will challenge you with security questions when you request certain transactions or reach certain limits. You should ensure that your browser will accept persistent cookies. Your security is enhanced by acceptance of the cookie, which is stored on your computer’s hard-drive.
  • Additional Security Guidelines – You should sign-off after every E-Banking session; however, online sessions will automatically end after 20 minutes of inactivity. This is to protect you in case you accidentally leave your computer unattended after you log-in. When you return to your computer, you will be prompted to re-enter your Security Code and your session will continue where you left off.
    • The security of public computers (e.g. in a library, or Internet café) cannot be assured; therefore, we recommend that you refrain from accessing E-Banking on a public computer.
    • Routinely scan your computer, servers and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or spyware may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party or transmit a virus to other computers.
    • Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem.
    • Keep your computer’s operating system and browser fully patched for critical security issues. We recommend your use of the most current, fully patched, versions of Internet browsers for accessing E-Banking.
    • If you use wireless Internet access, turn on the encryption.
    • You are only allowed four (4) login attempts before your access to E-Banking will be locked out. If you successfully log in to E-Banking, the counter for password attempts will be reset. If you are locked out of your account, please contact us by one of the methods listed in this Agreement to regain access to E-Banking. New passwords must have a minimum of four (4) characters that are different from the old password to be accepted.
    • Be cautious of emails you are not expecting and that ask for your personal information (e.g. ATM card number, ID). We will never ask for your personal information through email. If you are ever contacted by anyone asking for your Security Code, you should refuse and immediately contact us. You may be the target of attempted identity theft.

We are not responsible for any damage to your computer, modem, telephone, Mobile Device or other property resulting from the use of the Service, including damage from any electronic virus, worms, Trojan Horses or other similar harmful components that you may encounter. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system that you may use, and we will not be responsible if any non‐public personal information is accessed via the Service due to any virus residing or being contracted by your computer or your Mobile Device at any time or from any source.

Access: The Service is generally accessible twenty-four (24) hours a day, seven (7) days a week, except during maintenance periods or periods during which it is otherwise not operable, such as Bank holidays. We may modify, suspend, or terminate access to the Service at any time and for any reason without notice or refund of fees you have paid. You may access only those Accounts through the Service for which you are an authorized signer.
In addition, your current and available Account balances are updated every time you enter E-Banking. Up-to-date transaction history will generally be available after 8:00 a.m. (Central time) on business days.

Equipment and Software Requirements:

  • E-Banking – To use E-Banking, you need a computer with a modem and a web browser. We generally support all current and major releases of Internet browsers; however, some browsers may not be supported. When browsing in a supported browser, the browser will display a locked padlock icon at the bottom. If unsecure, the padlock will appear unlocked. You should also have software which permits you to receive and access Portable Document Format or “PDF” files, such as Adobe Acrobat Reader. You are responsible for the selection, set-up, and maintenance of all systems, hardware, software and Internet service provider and for any defect, malfunction or interruption in E-Banking.
  • Mobile Banking – In order to access Mobile Banking, you must have a Mobile Device. Depending on the Mobile Device and telecommunications carrier you use, you may be required to download and install an application or other software to your Mobile Device (a "Mobile Application") to access and use Mobile Banking. It is solely your responsibility to download and install any Mobile Application that is required to access Mobile Banking. We have no responsibility to notify you of any changes to or new releases of any required Mobile Application, and we have no liability for any claims or damages arising from or relating to your failure to download and install any required Mobile Application, either initially or in connection with any upgrade to Mobile Banking. You agree that any Mobile Application is licensed, not sold, solely for your use in accessing Mobile Banking. Any Mobile Application is licensed to you "AS IS" without any warranty. WE DISCLAIM ALL WARRANTIES WITH RESPECT TO ANY MOBILE APPLICATION, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TIMELINESS, AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS. You release us, our service providers, affiliates and all other parties from all claims and damages that may arise from or relate to your use of any Mobile Application. You agree not to reverse engineer, decompile, disassemble or attempt to learn the source code of any Mobile Application, and you may not redistribute any Mobile Application.

III. E-Banking

Description of Services: You may use E-Banking to perform the following functions:

  • Access any Account under the same social security number you provided when you registered.
  • Check your current Account balances and see your transaction history.
  • Transfer money between your Accounts.
  • Access your consumer, home equity and mortgage loan balances and history and make consumer and mortgage loan payments from an Account.
  • Verify if a check, Chequitable Card, ATM card, Mobile Deposit or direct deposit transaction has cleared.
  • Make Bill Payments
  • Exchange data with personal financial management software, such as Microsoft Money®.
    Your ability to access and transfer to and from Accounts may be restricted by your relationship to the Account. As an example, beneficiaries will not have access to Account information. There may also be restrictions on the number of transfers you can make from certain Accounts.
    We may add or remove certain features and/or functionality to E-Banking from time-to-time. Some services available through E-Banking are optional and may require you to enter into separate agreements.

Internal Transfers:

  • Amounts – You may request the internal transfer of any available funds in your Account(s). If your Account(s) have a minimum balance requirement you will not be allowed to transfer any amounts that would cause your Account balance to drop below the minimum Account balance.
  • Processing Internal Transfers – Transactions performed after 8:00 p.m. (Central time) Monday through Friday, after 5:00 p.m. (Central time) on Saturdays or at any time on Sundays will be processed the following business day. If you initiate a transfer through E-Banking after our cut off times, you will receive a message stating that your transfer has been successfully completed; however, the transaction will not be able to be viewed in history until the following business day. If you schedule an internal transfer for a future date, we will process the transaction on that date. However, if the date you request for a future internal transfer is not a business day, we will process the transaction on the following business day.
    When you schedule an internal transfer using E-Banking, you authorize us to withdraw the necessary funds from your Account. For internal transfers requests that are made electronically, we deduct the amount of your internal transfer from your Account on the date we process your instruction.
    Please be aware that checks, ATM and Chequitable card activity will occur prior to transfers that are made during offline processing hours. Specifically, transfers will be processed at 1:00 a.m. (Central time) on business days. If the Account from which the transfer is being made does not contain sufficient funds to successfully complete the transfer, up to two additional attempts (one attempt on each of the subsequent business days) will be made to complete the transfer. No further attempts will be made.
  • Canceling Internal Transfers – You may cancel a pending internal transfer. However, to do so, we must receive your cancelation request prior to the cut-off time on the date the transfer is scheduled to be processed. If we do not receive your instruction to cancel a transfer before that time, we may process the transfer.
  • Multiple Funds Transfer Requests – If more than one transfer request from or between Accounts is made at or about the same time and the available funds in the applicable Account do not cover all of such transfer requests, we, at our option, may execute as many of such transfer requests as possible within the dollar limits of such available funds, in any order convenient to us.
  • Periodic Statements – We give each internal transfer made through E-Banking a confirmation number. This number appears on the periodic statements for both Accounts. You may review internal transfers by viewing your Account activity within E-Banking.

 

We recommend that you not request internal transfers from a savings/money market deposit account through E-Banking because federal regulations require us to limit, either by contract or in practice, the number of certain types of transfers from these accounts. Under these regulations, you are limited to a total of six (6) preauthorized or telephone transfers per month from savings and money market deposit accounts, including E-Banking, checks and point-of-sale transactions. Each fund transfer through E-Banking from your savings or money market deposit account is counted as one of the six (6) limited transfers you are permitted each month.

Bill Payment: If you select the Bill Payment function, you can pay bills either on an automatic, recurring basis or periodically as you request. You need to provide us with the name and address of the Payee (i.e., the person you want to pay), your account number with that Payee and any other information we require to properly debit your Bill Payment Account and credit your account with the Payee. We may refuse to allow you to designate a particular Payee or class of Payees.

How Bill Payments Are Made: We process your Bill Payment requests through E-Banking in one of the following ways:

  • We may send Bill Payments through an electronic transmission to the Payee. Payees who receive electronic delivery will receive your Bill Payment information, including your account number, through a computer link. Bill Payments made electronically are generally received and credited by most Payees within two (2) business days;
  • We may send Bill Payments by a check drawn on your Bill Payment Account and mailed to the Payee. We send all checks through the U.S. mail. Please allow seven (7) business days for Bill Payments issued as checks.
  • From time to time, we may receive instructions from a Payee that direct us, in order to ensure the timely processing of your Bill Payment, to send your Bill Payment to an address other than the one that you provided us, or that direct us to make your Bill Payment electronically rather than by check, to an account owned by the Payee at another bank. When we receive such Bill Payment instructions from the Payee, we may, in our sole discretion, follow those instructions with no further authorization from you.

 

Since Bill Payments may be processed in different ways, it is important for you to schedule your Bill Payments within the time frame specified below in order to ensure timely processing of your Bill Payment.

  • Amounts – You may use the Bill Payment service with any Account that is a checking account. You may make Bill Payments in any amount between $.01 and $9,999,999.00.
  • Processing Bill Payments – Bill Payment requests, recurring or one time, received after 8:00 p.m. (Central time) Monday through Friday, after 5:00 p.m. (Central time) on Saturdays or at any time on Sundays will be processed the following business day. Recurring Bill Payments that fall on a day that is not a business day will be processed on the business day immediately preceding the scheduled Bill Payment date.
    When you schedule a Bill Payment using E-Banking, you authorize us to withdraw the necessary funds from your Bill Payment Account. For Bill Payment requests that are made electronically, we deduct the amount of your Bill Payment from your Bill Payment Account on the date we process your instruction. If a Bill Payment request is processed as a check drawn on your Bill Payment Account, we deduct the amount of your payment when the item clears your Bill Payment Account. To help ensure that your Bill Payments arrive on time, you must schedule your electronic Bill Payments to be processed at least (2) business days before the payment due date and check payments at least seven (7) business days before. This generally allows sufficient time for the Payee to receive and post your Bill Payment. If you do not have sufficient funds in your Bill Payment Account when a Bill Payment request is made, we may in our discretion, refuse to process such Bill Payment or process such Bill Payment subject to the overdraft and non-sufficient fund provisions governing your Bill Payment Account. You are responsible for any non-sufficient funds and overdraft charges that apply if a Bill Payment is processed when there are insufficient funds in your Bill Payment Account.
  • Adding Payees – When you add Payees to the Service, you must be sure to enter your account number and address as they appear on your payment stub or invoice.
    Occasionally a Payee may choose not to participate in the Bill Payment services, or may require additional information before accepting payments. We work with these Payees to encourage them to accept an electronic or check payment from us. If we are unsuccessful, or if we believe that the Payee cannot process payments in a timely manner, we may decline to make future payments to this Payee. In the unlikely event that this occurs, we will send you a notice. We may refuse to make payments to certain Payees (such as government agencies and Payees outside the United States
  • Canceling Bill Payments – You may cancel a pending Bill Payment transaction. However, to do so, we must receive your instruction to cancel prior to the cut-off time on the date the transaction is scheduled to be processed. If we don’t receive your instruction to cancel a transaction before that time, we may process the transaction.
  • No Signature Required – When using the Bill Payment service, you agree that we, without prior notice to you, may debit your Bill Payment Account(s) to pay checks that you have not signed by hand or by a legally acceptable form of electronic signature (e.g., digital signature).

 

Links to External Websites: For the convenience of our customers, E-Banking may contain links to other web sites not owned or managed by the Bank. We are not responsible for the content in such websites, and such websites are not investigated, monitored, or checked for accuracy by us.

Access to Home Equity Line of Credit: Access to your Home Equity Line of Credit through E-Banking is equivalent to accessing your Home Equity Line of Credit by check; however, there can be no stop payment orders issued and the minimum orders issued and the minimum dollar amount for each loan remains applicable.
Additional Business Services: Business Accounts may have different services available to them like the ability to originate ACH transfers. These services are provided under separate agreements. Please contact the Bank for more information about the different services available for business Accounts.

IV. Mobile Banking

Registration for Mobile Banking: In order to access Mobile Banking, you must register for Mobile Banking while logged on to E-Banking or through your Mobile Device. As part of the registration process, you may be required to provide information about your Mobile Device, as well as the telephone number for your Mobile Device and the telecommunications carrier that provides service to your Mobile Device. It is your responsibility to provide us with accurate, complete and current information about you and your Mobile Device and to notify us immediately if any of this information changes or if service to your Mobile Device is terminated. It is also your responsibility to update such information as necessary to ensure that the information you have provided to us is current and accurate, including the telephone number and telecommunications carrier for your Mobile Device, your name, address, other phone numbers, and email address. We reserve the right to refuse or cancel your registration for Mobile Banking if we cannot verify information about your Mobile Device.

Once you have registered, your Mobile Device may be used to access Mobile Banking. You are responsible for maintaining the security of your Mobile Device. You acknowledge that your Mobile Device is subject to the same security risks as computers that are attached to the Internet and agree that it is your responsibility to maintain anti-virus and anti-spyware programs on your Mobile Device. Except as otherwise provided in this Agreement, you are responsible for all transactions made using your Mobile Device. Mobile Banking will display sensitive information about your Mobile Accounts, including balances and transfer amounts. Anyone with access to your Mobile Device may be able to view this information.

By participating in Mobile Banking, you agree that Mobile Banking may require the use of your Mobile Device's data and text messaging capabilities. You agree that we are not responsible for any charges you may incur while using Mobile Banking. Message and data rates may apply. For help, text “HELP” to 48179. To cancel, text “STOP” to 48179 at any time. In case of questions, please contact customer service at (414) 475-1690 or visit www.TheEquitableBank.com.

Limitations on Mobile Banking: The balance of a Mobile Account may be subject to change at any time, and the information provided to you through Mobile Banking may become quickly outdated. Because Mobile Banking is accessible only through your Mobile Device, your access to Mobile Banking may be limited by the service provided by your telecommunications carrier. Neither we nor any of our service providers and affiliates guarantee: (i) either the delivery or the accuracy of any information requested or provided through Mobile Banking; or (ii) that you will have continuous or uninterrupted access to Mobile Banking. We are not responsible for any delay, failure or error in the transmission or content of information provided through Mobile Banking. Neither we nor any of our service providers and affiliates will be liable for damages arising from the non-delivery, delayed delivery, or improper delivery of any information through Mobile Banking, from any inaccurate information provided through Mobile Banking, from your use of or reliance on any information provided through Mobile Banking, or from your inability to access Mobile Banking. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your Mobile Device service provider or any app store.

Additionally, not all of the products, services or functionality described on E-Banking or in this Agreement are available when you use a Mobile Device. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a Mobile Device. We reserve the right to determine your eligibility for any product, service or functionality at any time.

Uses and Functions of Mobile Deposit:

  • Account Access – With the Mobile Banking service, you may use your Mobile Device to:
    • View balances and recent transactions for each Mobile Account;
    • Make immediate, one-time transfers of funds between your Mobile Accounts, subject to the terms governing transfers set forth in this Agreement
    • View alerts as long as you have enabled the option through E-Banking; and
    • Make Mobile Deposits, subject to the Terms and Conditions: The Equitable Bank, SSB Mobile Banking and Mobile Remote Deposit Capture.

Although the Mobile Banking Service allows you to make one-time transfers, you cannot schedule future or recurring transfers through your Mobile Device. A transfer, requested through your Mobile Device, cannot be stopped.

You may also access additional non-transfer services through Mobile Banking, such as a service to assist you in locating our nearest branch or ATM.

  • Text Messaging – The text messaging function enables you to access your Mobile Account(s) through a Mobile Device with text messaging capabilities. By registering a Mobile Device for this function, you agree to receive and send electronic text messages about your Mobile Accounts and/or request certain information on your Mobile Account(s). We will send text messages to you based upon the instructions you provide at the time of the text message request. You hereby acknowledge and accept that each message is sent to you without being encrypted and will include certain information about your Mobile Account requested by you. You may request and receive text messages concerning your Mobile Accounts on any text enabled Mobile Device. It is your responsibility to determine if your wireless carrier provider supports text messaging and your Mobile Device is capable of receiving text messages. Our text messages are subject to the terms and conditions of your agreement with your service provider even if your use of the text messaging service results in additional or changed fees.
    Once you activate your Mobile Device for this service, you are responsible for keeping any personal information in your Mobile Device secure. For your protection, you agree to:
    • Log on to E-Banking and cancel your text message service if your Mobile Device is lost or stolen and contact us immediately;
    • Log on to E-Banking and cancel or edit your text message service if there are changes to your wireless carrier provider or Mobile Device number (i.e., cell phone number); and
    • Erase your “Sent Messages” and “Inbox” that may contain your text message access number or other personal information.

 

You acknowledge, agree and understand that your receipt of any text messages may be delayed or prevented by factor(s) affecting your wireless carrier provider and/or other factors outside our control. We neither guarantee the delivery nor the accuracy of the contents of any message(s). You agree not to hold us liable for any losses, damages or costs that may arise in whole or in part, from:

  • Non‐delivery, delayed delivery, or the misdirected delivery of any message;
  • Inaccurate or incomplete content in any message; and
  • Your reliance on or use of the information provided in any text message for any purpose.

 

We provide this service as a convenience to you. We do not use text messaging for any purpose not included in Mobile Banking and will not respond to text messages sent to us that do not comply with appropriate action codes. A text message does not constitute an official record for the Mobile Account to which it pertains. We reserve the right to terminate this service or begin charging a fee for this service at any time without prior notice to you, except where required by law.

Mobile Deposit: Once you enroll in Mobile Banking, if you have a Mobile Device equipped with an auto-focus camera, you may begin using Mobile Deposit as long as your Mobile Account is in good standing and you accept the terms and conditions governing Mobile Deposits set forth in the Terms and Conditions: The Equitable Bank, SSB Mobile Banking and Mobile Remote Deposit Capture. We reserve the right to change, suspend, or revoke services at any time without prior notice.

Provisions Applicable to Business Accounts Only: Unless you notify us immediately that your Mobile Device is subject to unauthorized use or that you suspect unauthorized transactions on a Mobile Account, we are entitled to rely on and deem the use of your Mobile Device to gain access to the Service as your authorization for every transaction involving your Mobile Accounts that are Business Accounts.

V. Fees

Please refer to the schedule of fees contained or referenced in your Account Agreement. You authorize us to automatically debit the primary Account designated by your for all fees due hereunder.
While we do not charge you any fee to register for or access the Service, you may incur charges to receive Internet, cellular or other data service on your Mobile Device or to connect to the Internet through your personal computer. You may also incur charges from your telecommunications carrier when sending and receiving information in connection with your use of Mobile Banking. We reserve the right to begin charging fees for the Service at any time and in our sole discretion.

VI. Provisions Applicable to Consumer Accounts Only

Responsibilities of the Consumer:

  • Authorized Use of Services by Other Persons – You are responsible for keeping your Security Code confidential. We are entitled to act on a transaction and other instructions received using your Security Code, and you agree that the use of your Security Code will authenticate your identity and verify the instructions you have provided to us for the transaction(s). If you authorize other persons to use your Security Code in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Security Code. You are responsible for any transactions made by such persons until you notify us that transfers by that person or instructions regarding your consumer Account(s) are no longer authorized and we have a reasonable opportunity to act upon the change of your Security Code.
    We will never contact you via email or telephone requesting your Security Code. If you are ever contacted by anyone asking for your Security Code, you should refuse and immediately contact us. You may be the target of attempted identity theft.
  • Reporting Unauthorized Transactions – You should notify us immediately if you believe your Security Code has been lost or stolen or that someone has transferred or may transfer money from your consumer Account without your permission, if the phone number for your Mobile Device is changed or service is terminated, if you believe that your Mobile Device has been lost or destroyed or that your Mobile Device or any Mobile Accounts have been accessed or used without your authorization or if you suspect any fraudulent activity on your consumer Account. To notify us call (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except Bank holidays) or write: The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226. You should also call the number, contact us electronically, or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
  • Consumer Liability for Unauthorized Transactions – Tell us AT ONCE if you believe your Security Code has been lost or stolen, or if you believe that a transfer has been made without your permission using information from your check or Mobile Device. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your consumer Account.
    If you tell us within two (2) business days after you learn of the loss or theft of your Security Code, you can lose no more than $50 if someone used your Security Code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Security Code, and we can prove that we could have stopped someone from using your Security Code without your permission if you had told us, you could lose as much as $500. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or otherwise delivered to you, you may not get back any money you lost after the sixty (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 will extend the time periods.
  • Resolving Errors or Problems – In case of errors or questions about your transfers, telephone us at (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except Bank holidays) or write us at The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226. Notify 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 sixty (60) days after we sent the FIRST statement on which the problem or error appeared. When providing us with notice of any error or problem, please include: (i) your consumer Account number (if any), (ii) a description of the error on the transfer and an explanation why you believe the transfer was an error; (ii) the dollar amount of the suspected error; and (iv) any additional information we may need. If you tell us orally we may require that you send us your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the transfer involved a new consumer Account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days if the transfer involved a new consumer Account) to investigate your complaint or question. If we decide to do this, we will credit your consumer Account within ten (10) business days (twenty (20) business days if the transfer involved a new consumer 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 ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your consumer Account. Your consumer Account is considered new for the first thirty (30) days after the first deposit is made, unless each of you already has an established account with us before this consumer Account was opened. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation and debit any funds credited to your account. You may ask for copies of the documents that we used in our investigation.
  • Your Email Address – You are responsible for providing us with your current email address. You may update your email address at any time through E-Banking. It is important that you update your email address with us; otherwise, you will not receive an email notice of changes to your E-Banking.

 

The Bank’s Liability for Failure to Make Transfers: If we do not complete a transfer to or from your consumer Account on time or in the correct amount, or cancel a transfer that was properly requested, according to our agreement with you, we are liable for your losses or damages. There are some exceptions to our liability for processing transactions on your consumer Accounts. We will not be liable, for instance, if:

  • Through no fault of ours, you do not have enough money in your consumer Account to make the transfer;
  • The transfer would go over the credit limit on your overdraft line;
  • The funds in your consumer Account were attached or the transfer cannot be made because of legal restrictions affecting your consumer Account;
  • The systems, including E-Banking, Mobile Banking, your Mobile Device or your cellular or wireless service, were not working properly and you knew about the breakdown when you started the transfer;
  • Circumstances beyond our control, such as interruption of telephone or wireless service or telecommunication facilities, flaws in your Mobile Device, computer or a natural disaster, such as a fire or flood, prevent the transfer, despite reasonable precautions that we have taken;
  • You have not provided us with complete and correct payment information;
  • You have not properly followed the instructions for using the Service;
  • You have failed to download and/or install any required mobile application;
  • Your Mobile Device or computer fails or malfunctions; or
  • Your operating system or software was not properly installed or functioning properly.
  • There may be other exceptions stated in our Account Agreement with you.

 

Our sole responsibility for an error will be to correct the error, and in no case will we be liable for any indirect, special, incidental or consequential damages. In states that do not allow the exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the extent permitted by applicable law.

Things for Which We Will Not Be Responsible and Further Limitations on Our Liability: We will not be responsible for the following matters, or for errors or failures of the Service:

  • We will not be liable under this Agreement for failure to provide access or for interruptions in access to the Service due to a system failure or due to other unforeseen acts or circumstances.
  • We will not be responsible for any errors or failures from any malfunction of your computer, Mobile Device or any virus or other problems related to your computer equipment or Mobile Device used with the Service.
  • We are not responsible for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your browser, your Internet service provider, your personal financial management or other software (such as Microsoft Money®), your Mobile Device or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with the Service.
  • We are not responsible for any transactions you initiate or authorize using Mobile Banking. If you allow any person to obtain or to use your Mobile Device, you will have authorized that person to access your Mobile Accounts and you are responsible for any transactions that person initiates or authorizes from your Mobile Accounts and any agreements that person accepts or acknowledges electronically through Mobile Banking.

 

WE MAKE NO WARRANTIES OR REPRESENTATIONS WITH RESPECT TO THE SERVICE, EXPRESS OR IMPLIED INCLUDING BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. We do not and cannot warrant that the Service will operate without errors, that any or all functions will be available and operational at all times, that the results that may be obtained from the Service will be accurate or reliable or that any errors in the Service will be corrected.

Confidentiality: We will disclose information to third parties about your consumer Account or the transfers you make:

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

 

For more information on our privacy policy, go to www.TheEquitableBank.com.

VII. Provisions Applicable to Business Accounts Only

Indemnification – Business Account holders and their authorized users agree to defend, indemnify and hold harmless the Bank and its service providers against and in respect to any and all loss, liability, expense and damage, including consequential, special and punitive damages, directly or indirectly resulting from: (i) the processing of any request received by the Bank through the Service, (ii) any breach of the provisions of this Agreement; (iii) any dispute between you and any third party in connection with the use of the Service; and (iv) any and all actions, suits, proceeding, claims, demands, judgments, costs and expenses (including attorney's fees) incident to the foregoing. The terms of this section will survive termination of this Agreement.

Errors and Questions – Your transactions will be reflected on your Account statements. You must regularly and promptly review and verify all such statements, reports, check payment records, confirmations, adjustments, charges, and other transactions. You must, within a reasonable time, which in no event shall be greater than fourteen (14) business days following the day we first mail or otherwise make such statement or information available to you, notify us of any error or discrepancy between your records and any notice or statement provided to you or any transaction or transfer you believe was not authorized. You will provide us with any information we may reasonably request in connection therewith. If you fail to notify us of such unauthorized transaction within the fourteen (14) business day review period, the failure to report any such errors or unauthorized transactions shall relieve us of any liability for the unreported erroneous or unauthorized transaction. In accordance with NACHA rules, you must report an unauthorized ACH debit entry to the Account by the established deadline on the business day following the settlement date of the unauthorized entry. Otherwise, your sole recourse is to the originator of the transaction.

In case of errors or questions, call (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except Bank holidays) or write: The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226.

VIII. Termination

The Service remains in effect until terminated by you or us. You may cancel the Service by providing us with thirty (30) days’ prior notice in writing or by writing to us at The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226, or by calling us at (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except Bank holidays). This cancellation applies only to the Service and does not terminate your other relationships with us.
We may terminate your participation in the Service for any reason, at any time. We will try to notify you in advance, but we are not obligated to do so. Your access to the Service will be automatically terminated after ninety (90) days of inactivity. Should you choose to re-enroll after being terminated, you should use the “First Time Log In” button.
REMINDER: Your termination of the Service will automatically terminate any pending transfers.

IX. Other Provisions

Electronic Notice: With your consent, we may send notices to you by email. You may use email to contact us about inquiries, maintenance, and/or some problem resolution issues. However, please note that email is not a secure form of communication and should not be used to communicate sensitive information to us. We may not immediately receive any email sent by you. We will need a reasonable opportunity to take action or respond to email requests. You CANNOT use email to transfer funds, report unauthorized transactions or report unauthorized use of your Security Code. You MUST notify us at the phone number or address listed in the Agreement in the event of an unauthorized transaction or use.
Consequently, we recommend you do not send confidential, personal, financial or time-sensitive information by email. There may be times when you need to speak with someone immediately, especially to report a lost or stolen Security Code. In these cases, do not use email. Instead, you must call us at (414) 476-6434 between the hours of 8:30 a.m. and 5:00 p.m. (Central Time), Monday through Friday (except Bank holidays).
Ownership: The Bank retains all ownership and proprietary rights in the Service, associated content, technology, and website(s), and the content, information and offers on our website are copyrighted by the Bank and the unauthorized use, reproduction, linking or distribution of any portions is strictly prohibited. You may not use the Service (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to our business interest, or (iii) to our actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.
Geographic Restrictions: The Service described in this Agreement and any application for consumer credit, deposit services and brokerage services available at our website are solely offered to citizens and residents of the United States of America residing in the United States of America. U.S. citizens and residents may not be able to access the Service outside the United States of America.
Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflicts of law provisions.
Scope of Agreement; Enforceability: This Agreement represents our complete agreement with you relating to our provision of the Service. No other statement, oral or written, including language contained in our website, unless otherwise noted, is part of this Agreement.
We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.
Dispute Resolution: Any dispute between us with respect to any issue arising out of, or relating to this Agreement in any manner, excluding any claim for any amounts due to us hereunder, will be determined by arbitration. Arbitration will be conducted before an arbitrator chosen as follows: either we will together agree on a mutually acceptable arbitrator, or we will each select one arbitrator and these two arbitrators will choose a third arbitrator who will act as arbitrator hereunder. The arbitrator’s decision will be rendered within thirty (30) days of the closing of the hearing record. The arbitration proceedings conducted hereunder will be conducted in the city where our main office is located, and each party will bear its own costs. The arbitration will be conducted in accordance with the rules of the American Arbitration Association or JAMS, at the discretion of the party submitting the claim. The exclusive venue for any and all proceedings commenced with respect to arbitration of any issue arising out of or relating to the Agreement, including without limitation the breach thereof, will be the Circuit Court for the county where our main office is located. No award of punitive damages by the arbitrator(s) may be enforced.

ONLINE AND MOBILE BANKING SERVICES ELECTRONIC DISCLOSURE AND CONSENT
By clicking the “Accept” button, you agree that we may provide you with all disclosures, notices, and other communications about the Service, including this Agreement and any future amendments, in electronic form. We may notify you of any future notices by sending an alert to the email address you provide as part of your enrollment in the Service and by posting them on E-Banking. You may download or print the notice from your computer if you have the hardware and software described below.
You may update the email address to be used for sending alerts by going to your profile on E-Banking and making the change.
You have the right to obtain a paper copy of any notice. You may request paper copies by writing to us at The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226.
You have the right to withdraw this consent, but if you do, we will immediately terminate your participation in E-Banking. To withdraw your consent, contact us by writing to us at The Equitable Bank, Electronic Banking Department, 2290 N. Mayfair Road, Wauwatosa, Wisconsin 53226.

YOUR SYSTEM REQUIREMENTS
In order for you to access and retain records in connection with the Service, your system must meet the requirements described in Section III of this Agreement. In addition, to print or download disclosures you must have a printer connection to your computer or sufficient hard-drive space available to save the disclosure.

The Equitable Bank, SSB (The Equitable Bank) Mobile Banking and Mobile Remote Deposit Capture Terms and Conditions
Message & Data rates may apply. For help, text "HELP" to 48179. To cancel, text "STOP" to 48179 at any time. In case of questions please contact customer service at (414) 475-1690 or visit www.TheEquitableBank.com.

Terms and Conditions: This Mobile Banking and Mobile Remote Check Deposit User Agreement (“Agreement”) contains the terms and conditions for the use of The Equitable Bank Mobile Banking Mobile Remote Deposit Capture and/or other remote deposit capture services (“Mobile Deposit” or “Services”) that The Equitable Bank or its affiliates (“Bank,” “us,” or “we”) may provide to you, our customer (“you” or “User”). Other agreements you have entered into with The Equitable Bank, including, but not limited to your; Deposit Account Terms and Conditions, Depository Declaration, The Equitable Bank e-Banking Agreement and/or other rules, terms, and conditions received by you, as applicable to your The Equitable Bank account(s), are incorporated herein by reference and made a part of this agreement unless otherwise expressly stated. This Agreement replaces all prior Terms and Conditions for Mobile Banking. By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.
We suggest you read this document carefully and print a copy for your records. You may refer back to it at any time by accessing the Terms & Conditions tab within the online service.
By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.
Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless.
Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of The Equitable Bank or any service provider.

Mobile Banking and SMS Notifications:
Program: The Equitable Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions). Over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.
Questions: You can contact us at (414) 475-1690, or send a text message with the word “HELP” to this number: 48179. We can answer any questions you have about the program.
To stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 48179. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Mobile Remote Deposit Capture:
Program: Mobile Deposit is designed to allow you to make deposits to your personal checking or savings accounts from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the images and associated deposit information to The Equitable Bank or our designated processor. Message and data rates may apply.
Eligible Items: You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). When the image of the check transmitted to The Equitable Bank or our designated processor is converted to an Image Replacement Document, it shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code as adopted in Wisconsin. You agree that you will not scan and deposit any of the following types of checks or other items, which shall be considered ineligible items:

  • Checks or items payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • Checks or items drawn or otherwise issued by you or any other person on any of your accounts or any account on which you are an authorized signer or joint account holder.
  • Checks or items containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks or items payable jointly, unless deposited into an account in the name of all payees.
  • Checks or items previously converted to a substitute check, as defined in Reg. CC.
  • Checks or items drawn on a financial institution located outside the United States.
  • Checks or items that are remotely created checks, as defined in Reg. CC.
  • Checks or items not payable in United States currency.
  • Checks or items dated more than 6 months prior to the date of deposit.
  • Checks or items prohibited by The Equitable Bank’s current procedures relating to the Services or which are otherwise not acceptable.
  • Checks or items payable on sight or payable through Drafts, as defined in Reg. CC.
  • Checks or items with any endorsement on the back other than that specified in this agreement.
  • Checks or items that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.

Image Quality: The image of an Item transmitted to us using the Services must be legible, as determined in the sole discretion of The Equitable Bank. The image must contain images of the front and back of the Item. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Item image: the amount of the Item (both written and numeric); the payee; the signature of the drawer (maker); the date; the Item number; the information identifying the drawer and the paying financial institution that is preprinted on the Item, including the MICR line; and all other information placed on the Item prior to the time that an image of the Item if captured (such as any required identification written on the front of the Item and any endorsements applied to the back of the Item). You agree that the electronic image of the Item will become the legal representation of the Item for all purposes (except for Availability of Funds as noted below), including return items processing.
Endorsements and Procedures: You agree to restrictively endorse any item transmitted through the Services as “For Deposit Only, Equitable Bank account # _____ ” or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of the Services as we may establish from time to time. For an Item payable to you and any joint owner(s) of your Bank account, the Item must be endorsed by all such payees and you may only use the Service(s) to deposit such Item into a Bank account jointly owned by all such payees. If the Item is payable to you or your joint owner, either of you can endorse it. If the Item is made payable to you and any non-joint owner, you may not deposit the Item into your account using the Service(s).
Receipt of Items: We reserve the right to reject any Item transmitted through the Service(s), at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from us that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We reserve the right to charge back to your account at any time any item that we subsequently determine was not an eligible 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 ineligible item. You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to us for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against us relating to such deposits. The Equitable Bank is not liable for any service or late charges that may be imposed upon you due to the rejection of any Item that you transmit for deposit through the Service. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to an Item being returned. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any Item transmitted through the Service in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection. If we reject an Item for remote deposit, you must physically present the original Item at our office.
Availability of Funds: Federal Reserve Board Regulation CC, which governs the availability of funds, does not apply when you transmit the electronic images of Items to us. For deposits received and accepted before 5:00 p.m. CST on a business day that we are open, we will consider that day to be the day of your deposit. Funds from your deposit generally will be available to you as a provisional credit on your designated account on the second business day after the day we receive your deposit. The provisional credit is subject to the final payment of the Item(s) and is also subject to your Bank Account Agreement. If an image of an item you transmit through the Service is received after 5:00 p.m. CST on a business day, or on a non-business day, we will consider that the deposit was made on the next business day we are open and the funds will generally be available to you as a provisional credit on your designated account on the second business day following the day considered the day of deposit (e.g. a deposit made after 5:00 p.m. on Thursday will be considered to be deposited on Friday and available as a provisional credit on Tuesday).However, we may apply additional delays on the availability of funds based on any other factors as determined by us in our sole discretion. For determining the availability of your deposit, every day is a business day except Saturdays, Sundays, and federal holidays.
Unpaid Items: In the event of an unpaid Item, should you fail to produce the original Item, you authorize us to deduct that amount from your account. You are solely responsible for verifying that Items that you deposit by using the Service have been received and accepted for deposit by us. We will attempt to provide you with notice of any deposits that we are unable to process because Items were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that we credit your account for an item that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such Item plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the Item was timely returned or whether there is any other claim or defense that the Item was improperly returned. You understand and agree that because the original Item is your property, it will not be returned and the Bank may charge back an image of the Item, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original Item or a substitute Item. You may not use the Service to deposit a substitute Item, and you may not deposit the original Item through the Service or in any other manner if you receive a dishonored Item. You agree to comply with any additional instructions we may provide to you in connection with returned Items.

Storage, Security and Destruction/Disposal of Transmitted Items: You agree that after the Item has been scanned and submitted for deposit, you shall not otherwise transfer or negotiate the original item, substitute Item or any other image thereof. You further agree that you shall be solely responsible for the original item, including storage, retrieval, and destruction.
Presenting Items More than Once: Once you have used the Service to deposit an Item, you agree not to present or allow anyone else to present, that original Item or a substitute Item of that original Item again for deposit through the Service or by any other means. If you or anyone else present an Item or substitute Item for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Item or substitute Item. You agree that we may debit from your Bank account the aggregate amount of any Items that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your accounts with the Bank in our sole discretion.
Deposit Limits: We reserve the right to establish and assign you deposit limits for the Service (including daily deposit amounts and limits on the dollar amount and/or number of Items that you may transmit through the Service each day or rolling 30 day period) and to modify such limits from time to time in the Bank’s sole discretion, and you agree to comply with all such limits.
Presentment: The manner in which the items are cleared, presented for payment, and collected shall be in the Bank’s sole discretion subject to the Depository Agreement and Disclosures governing your account.
User Warranties and Indemnification: You warrant to The Equitable Bank that:

  • You will only transmit eligible items that originated as paper items;
  • Images will meet the image quality standards and any image we receive accurately and legibly represents all of the information on the front and back of the original Item as originally drawn;
  • The Item conforms to the technical standards for an Electronic Item set forth in Federal Reserve Board Regulation J, or the Federal Reserve Bank operating circulars and for a substitute check set forth in Federal Reserve Board Regulation CC;
  • The information you transmit to us corresponding to an Item contains a record of all applicable MICR-line information required for a substitute check and the accurate amount of the item;
  • You will not transmit duplicate items and you will employ reasonable security measures and firewalls sufficient to protect transmissions and storage to ensure no unauthorized access or duplicate presentment;
  • You will not deposit or represent the original item unless otherwise required by this Agreement;
  • You will not redeposit through this Service any Item previously deposited and returned to you unless we advise you otherwise;
  • All information you provide to The Equitable Bank is accurate and true;
  • You will comply with this Agreement and all applicable rules, laws, and regulations; and
  • You agree to indemnify and hold harmless The Equitable Bank from any loss for breach of this warranty provision

General Provisions:

Acceptance of these Terms: Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change via e-mail, text message, or on our website(s) by providing a link to the revised Agreement. Your continued use of the Services will indicate your acceptance of the revised Agreement. Further, we reserve the right, in our sole discretion, to change or modify the Services, including through the addition or deletion of any part of the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services. In the event of conflicting requirements, this Agreement shall control.
Limitations of Service: When using the Services, you may experience technical or other difficulties. In the event you are unable to capture, balance, process, produce, or transmit a file to us, or otherwise comply with the terms or the Procedures for any reason, including, but not limited to, communications, equipment or software outages, interruptions or failures, you will promptly transport the originals of all Items to an The Equitable Bank office. The deposit of original Items at an office of The Equitable Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services may have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.
Hardware and Software: In order to use the Services, you must obtain, maintain, and safeguard, at your expense, a wireless plan from a compatible mobile wireless provider, and hardware and software that is compatible with the Services or as specified by us from time to time. We and/or our service provider(s) may change these specifications and/or requirements from time to time. The Equitable Bank is not responsible for any third party software you may need to use the Services. Any such software is accepted by you as-is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at the time of download and installation. We are not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using the Service, e-mail, or the Internet. You agree that all images and files transmitted to us through the Service will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.
Duty to Report Errors: You agree to promptly notify The Equitable Bank of any suspected errors regarding account information received or items deposited through the Services immediately upon discovery or suspicion of an error, and in no event later than 30 days after the applicable account statement is sent. Subject to applicable law, your failure to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy.
Errors in Transmission: By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. The Equitable Bank bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.
Ownership and License: You agree that The Equitable Bank and/or our affiliates retain all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to The Equitable Bank’s business interest, or (iii) to The Equitable Bank’s actual or potential economic disadvantage in any respect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.
Cooperation with Investigations: You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by proving, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
Termination: We may terminate this Agreement at any time and for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by us.
Enforceability: We may waive enforcement of any provision of this Agreement. No waiver of a breach of this agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable.
Your Authentication Method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authorization method that we require (collectively, your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Bank Account Agreement(s) and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability and agree not to make any claim or bring any action against us, related to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you.
DISCLAIMER: YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.
LIMITATION OF LIABILITY: YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EXCEPT RECKLESS OR INTENTIONAL CONDUCT OF THE BANK), EVEN IF THE EQUITABLE BANK HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.
Other terms: You may not assign this Agreement. This Agreement is entered into the State of Wisconsin and shall be governed by the laws of the State of Wisconsin and of the United States. In the event that the terms of this Agreement conflict with the terms of any other agreement relating to the Services or the mobile deposit of funds into your account, the terms and conditions of this Agreement shall control.
Privacy and User Information: You acknowledge that in connection with your use of Mobile Banking, The Equitable Bank and its affiliates and
service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). The Equitable Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. The Equitable Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.
Restrictions on Use: You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by The Equitable Bank (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of The Equitable Bank or any third party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer-programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose The Equitable Bank, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.
Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URLs as may be updated by Google.

 

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