e) Processing. Check Deposits can now be made directly within the personal My Bank Mobile app! You must also agree to receive all changes in the terms of the Mobile Deposit Schedule and BOM Online Banking Agreement electronically. Mobile Banking. Visit a branch and our team members can accept deposits that exceed these limits, or you can deposit checks at … You can deposit multiple checks in the same mobile banking session; however you can only submit one check per deposit at a time. If a Check does not have the necessary information to be processed by Us, then We will treat the Check as an exception. If you have corrected these issues and your check is still being rejected, please contact us at (888) 547-6541 or visit The Bank of Missouri location nearest you. If the deposit was made in the last 30 days, you can view it when you select mobile deposit from the bottom of the screen. Upload your check into the Axos Bank mobile app. If you "Continue", the link will open a new email message in your default email program. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. For determining the availability of your deposit, every day is a business day, except Saturday, Sunday, and federal holidays. You get faster access to your funds without a trip to the bank. Mobile Deposit Capture. Funds availability may also be delayed for a longer period where there is an emergency or outage, such as failure of computer or communications equipment. Note: When endorsing your check for mobile deposit, include these three lines on the back of your check: For Mobile Deposit Only The Bank of Missouri Your Signature. Customers enrolled in the Mobile Banking Services who use the mobile banking app on their device can use the Mobile Banking Service to deposit checks to their checking, statement savings, or money market deposit account by sending a clear image of the check to the Bank using the mobile banking app (“Mobile Deposit”). 1 Applies to all retail personal and business savings and money market accounts, Access Checking, On-The-Job Banking, Small Business and Basic Business Checking. We may also terminate the Mobile Check Deposit Service for any reason if We determine that We may be at risk as a result of Your use of the Mobile Check Deposit Service. First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri. We receive the Checks once You have submitted the Checks properly and have received a reference number through the Mobile Check Deposit Service. Solution: Review the transaction history on your account to see if the check has already been deposited. “Designated Account” means The Bank of Missouri deposit account or accounts which you designate through the enrollment process or through Our authorized employees which will be accessed for purposes of receiving deposits using the Mobile Check Deposit Service. On the next business day (Tuesday), a bill payment goes out for $400. The Agreements and Notices that We provide to You in electronic format will be provided either (i) via e-mail; (ii) by access to a website which will be provided to You in an e-mail notice We send to You when the Agreements and Notices are available; or (iii) by posting on Our website. I deposited a check. With My Bank Mobile Deposit from First United, your smartphone’s camera becomes a check depositing machine! Reason: There is a discrepancy between the amount entered and the amount for which the check is written. 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. Holds on Other Funds (Check Cashing) If we cash a check for you that is drawn on another bank, we may withhold the availability of corresponding amount of funds that are already in your account. If you make a deposit using Mobile Deposit Capture before 6:00 p.m. central time/5:00 p.m. mountain time on a business day that we are open, we will consider that day to be the day of your deposit. If You have not executed a BOM Online Banking Agreement, then You will do so prior to receiving the banking service detailed herein. If warranted in Our reasonable judgment, We may audit and monitor You, and You agree to cooperate with Us to permit such monitoring, to confirm that You have satisfied Your obligations under this Agreement. Funds may not be immediately available. E-SIGN is the law that governs Financial Institution’s E-Signature requirements and E-Statement services. Box 1680 Corinth, Mississippi 38835-1680 (662) 286-5577 customerservice@commerce-bank.com We do not sell, trade, or give away this information without Your consent, unless We are required to provide this information pursuant to any law, subpoena, or other governmental requirements. Your Ability to withdraw funds. And you’re on to what’s next. If the check you deposit is returned “unpaid” for any reason, the amount of the check will be deducted from your account balance, even if we have made the funds available to you. Commerce Bank P.O. Our performance of the Service is subject to the rules and regulations of any such system or organization. To find out when your deposits are available for use, please refer to TD Bank’s Funds Availability Policy, which can be found in the following: Personal Deposit Account Agreement. For example, the … Step 3. These requirements include, but are not limited to, ensuring the following information can clearly be read and understood by sight review of the Check image: the amount of the Check (both written and numeric); the payee; the signature of the drawer (maker); the date; the Check number; the information identifying the drawer and the paying financial institution that is preprinted on the Check including the MICR line; and all other information placed on the Check prior to the time an image of the Check is captured (such as any required identification written on the front of the Check and any endorsements applied to the back of the Check). An Unavailable Funds Fee is typically assessed when a transaction posts to an account without enough funds to cover it, and the funds from a deposit are not yet available due to standard availability.. e) Except to the extent superseded by Federal law, the provisions of Mobile Check Deposit Service and the terms of this Mobile Check Deposit Schedule shall be governed by the laws of the state of Missouri. As explained in this E-Disclosure Statement, We may also provide certain information to You in electronic form—following Your review of this E-Disclosure and Your affirmative consent to receive specific information electronically. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch. When endorsing the check for Mobile Deposit, please write “For Mobile Deposit Only to American Bank of MO” underneath your endorsement. To the extent that funds in Your Account are insufficient to cover such amount, We shall debit the deficiency amount from any account(s) You have with Us in our sole discretion. c) Presentment of Check. MOBILE DEPOSIT FUNDS AVAILABILITY POLICY DISCLOSURE. You also agree that this Service is intended to be made available only to persons in the United States.     Federal law provides some limitations on holding periods, but banks set their own policies. We will process Checks that you submit and We receive through the Mobile Check Deposit Service. We reserve the right to reject any Check or item deposited through the Service. You must notify Us immediately if You learn of any loss or theft of original Checks. Smart phones have become part of our lives in this busy world. We may act on any communication and provide Service using any payment system or intermediary organization We reasonably select. For a check payable to You and any joint owner(s) of Your Account, the Check must be endorsed by all such payees and You may only use Mobile Check Deposit to deposit such Check into an Account jointly owned by all such payees. Mobile Check Deposit- 5 PM ATM Deposit- 2PM. We and You intend that the Act apply to the fullest extent possible. You will be linking to another website not owned or operated by The Bank of Missouri. As long as you have your mobile phone on you, you’ll have access to your account. Funds Availability Disclosure. How to Make a Mobile Deposit. Even better, there’s no charge¹ from The Bank of Missouri. Midwest Bank When will my Mobile Deposit funds be available? We encourage you to review their privacy and security policies which may differ from The Bank of Missouri. Deposits submitted after 11 PM or on a non-business day will be processed the next business day. Please read this Electronic Notice and Consent Agreement carefully and print or download a copy for Your records. Funds deposited using the Mobile Check Deposit Service will be subject to Our funds availability policy. Deposits Made by Mobile Banking/Remote Deposit Capture. Except as otherwise provided in this Mobile Check Deposit Schedule, the funds availability provisions of Regulation CC, or other applicable regulation, shall apply to all Checks. Contact Us at 888-547-6541.7. By clicking “I Accept” below You agree (i) You have read this Mobile Deposit Schedule and Consent and agree to be bound by their terms; (ii) You consent to receive this Mobile Deposit Schedule, Consent and Notices in electronic form; (iii) You intend to affix Your electronic signature to the Mobile Deposit Schedule and this Consent; (iv) Your device(s) satisfies the hardware and software requirement provided in the Consent; and (v) You can access this PDF. An Unavailable Funds Fee is typically assessed when a transaction posts to an account without enough funds to cover it, and the funds from a deposit are not yet available due to standard availability.. Once the form is received by Us, We will verify that You have fulfilled the eligibility requirements. Solution: If you would exceed the limits on a regular basis, contact us to discuss a change in your limits or deposit the check at. Check account balances; Transfer funds safely; View account transaction history; Bill Pay; Mobile Deposit If You are unable to complete Your deposit promptly, You must ensure that Your mobile device remains securely in Your possession until the deposit has been completed. Please refer to the section DETERMINING THE AVAILABILITY OF YOUR DEPOSIT for the complete policy. When will my funds be available / released from the hold? You are responsible for the charges of any wireless service provider while using the Service. To enroll in and receive the Mobile Check Deposit Services, You must consent to Us providing the Mobile Check Deposit Schedule electronically to You. “Mobile Check Deposit Schedule” means this Schedule to The Bank of Missouri Online and Mobile Banking Access Agreement. We will not impose a fee to process the withdrawal of Your consent. Mobile Check Deposit could have rejected your check for any of the following reasons: Reason: The check could not be read by the software. We do not guarantee functionality of the Service on all wireless devices. You must complete each deposit promptly. Deposit checks anywhere, anytime by using our mobile app! In the event of any inconsistency, the Agreements and theDesignated Account Agreement, the Designated Account Agreement will govern. We will provide You with notice of any deposits that We are unable to process because Checks were returned unpaid by the payor financial institution. Certain security procedures designed to verify the origination (but not errors in transmission or content) of instructions, orders and other communications sent by Us and You might be used in connection with the Mobile Check Deposit Service. See details about mobile deposit limits within digital banking by logging into our mobile app and selecting deposit check. Continued Enrollment in Online Banking requires acceptance of Electronic Notices. You are required to provide Us with an accurate and complete e-mail address and other information related to Your use of the Services and to maintain and update any changes to the information promptly. Generally, a bank must make the first $225 from the deposit available—for either cash withdrawal or check writing purposes—at the start of the next business day after the banking day that the deposit is made. To find out when your deposits are available for use, please refer to TD Bank’s Funds Availability Policy, which can be found in the following: Personal Deposit … Once the funds are available, you can withdraw them in cash and we will use them to pay checks that you have written. Registered Zelle recipient. Your bank, in the palm of your hand. Check account balances; Transfer funds safely; View account transaction history; Bill Pay; Mobile Deposit The provision of the banking services contained in this Schedule is subject to and expressly contingent upon Your execution of The Bank of Missouri Online Banking Agreement and Disclosure Statement Agreement. Mobile Banking is convenient, easy, secure and banking when you need it. 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, email or the Internet. If the Check is payable to You or Your joint owner, either of you can endorse it. It contains important information about Your legal rights and responsibilities and Our legal rights and responsibilities. Solution: Verify the amount written on the check matches the amount you entered. Funds from electronic direct deposits will be available on the day we receive the deposit. You agree to indemnify Us as well as any Suppliers, and to hold them harmless from any claims resulting from the use of the Mobile Check Deposit Service by You or others that access the system through Your Mobile Device or Carriers that damages another party or that violates the law, including any attorney’s fees incurred by the Bank or Suppliers. Checks made payable to You or any reasonable derivation thereof are acceptable for deposit. Get the app today to pay bills, deposit checks and more. The first $100 of an ATM check deposit will be available on the same business day. Type of transfer Fund Availability; Zelle ® transfers. You shall be solely responsible for the safekeeping of such security devices and assume all risk of accidental disclosure or inadvertent use of such security devices by any party whatsoever, whether such disclosure or use in on account of Your negligence or deliberate acts or otherwise. c) Hardware and Software Requirements. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. We may add a fee or other charges for use of the Mobile Check Deposit Service if We provide you with written notice at least thirty (30) days before implementing the fee or additional charge and You agree that continued use of the Mobile Check Deposit Service will constitute acceptance of such fee or additional charge. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by The Bank of Missouri of any information in any hyperlinked site. We shall have no duty to discover, and shall not be liable for, error or omissions by You. h) Data Security. Mobile banking that's built for you. Mobile deposits may be rejected for any of the following reasons: The software could not easily read the check Retake the picture. However, the service may be temporarily unavailable from time to time for scheduled maintenance. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. Checks must be submitted by You through the Mobile Check Deposit Service in accordance with Our internal procedures and all state and federal laws during any Business Day, subject to the cutoff time of 4 pm CST. Any attempt to use the Mobile Check Deposit Service for fraudulent or illegal purposes will result in immediate termination. After You receive confirmation that We have received an image, You must securely store the original Check and retain the Check for fourteen (14) days and make the original paper Check accessible to Us upon request. If you deposit a check on Monday morning at 8 am, it will be available for use on Tuesday. Make sure all four corners of the check are in the picture frame and that the check is lying as flat as possible on a dark colored background. MOBILE CHECK DEPOSIT AVAILABILITY SCHEDULE Our policy is to make funds from your Mobile Check Deposits available to you on the first Business Day after the day we receive your deposit. Mobile Device includes, but is not limited to, cell phones, smart phones, tablets, scanners or other device designed to transmit data over cellular or wireless internet systems. d) Security Procedures. By enrolling in the Mobile Check Deposit Service online, by telephone or in person at any Bank branch, We will treat it as authorization to provide the Service to You in accordance with the terms and conditions of the Agreements. By enrolling in the Service, You agree to make Your Designated Account accessible through the Mobile Check Deposit Service. Be sure to keep a steady hand and make sure all four corners of the check are in the picture frame. The Electronic Notice and Consent Agreement (“Consent”) applies to the Mobile Deposit Schedule and the BOM Online Banking Agreement (collectively the “Agreements”) and the Services provided. We encourage you to review their privacy and security policies which may differ from The Bank of Missouri. The Electronic Signatures and National Commerce Act (E-SIGN) is a federal law passed in 2000. ¹ There is no fee from The Bank of Missouri. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's checks, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. If the Check is ambiguous, We will return the Check as an exception. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. That means You have the right to receive that information on paper. Electronic direct deposits will be available on the day we receive the deposit. What are the limits on the dollar amount and the number of deposits I can make? You agree that We may debit from Your Account the aggregate amount of any Checks that are deposited more than once. You will need to have a Bank of Missouri deposit account, Online Banking, and Mobile Banking to use Mobile Check Deposit. We may change the terms of the Agreements at any time by notifying you in writing including electronically. For questions or if You believe someone is accessing or using Your account improperly, or wish to update the information You gave during registration, You may contact Us at any time: The Bank of Missouri is a Member FDIC and an Equal Housing Lender, ( ) I agree to the terms and conditions( ) I decline the terms and conditions.

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