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We will not send you an email requesting confidential information such as account numbers, PINs, or passwords. An e-mail or SMS notification will be sent to you via the Alerts Center and at the designated e-mail address(es) or telephone number you provide through either the My Profile or Alerts Center sections within the Digital Service. Apple is the provider of Face/Touch ID technology and is solely responsible for its use and functionality. The following definitions shall apply to this Section of the Agreement as related to Business Accounts only. You did not properly follow the provisions of this Agreement, the instructions for the Digital Service, or other instructions for making a transfer or payment; You choose a Payment Date that is not equal to or earlier than the Payee Biller's bill payment Due Date, or not the late date and/or a date within the grace period; Through no fault of ours, you do not have enough funds in your Account(s) to make a transfer or payment; The transfer will exceed the credit limit on your Overdraft Line of Credit with us; Your computer, mobile device, tablet, the software, the operating system, phone lines, our computer systems or the Digital Service were not working properly or were temporarily unavailable, and this problem was apparent to you when you attempted the transfer or payment or you were advised by the Digital Service about the malfunction before you executed the transaction; Circumstances beyond our control prevented the transfer or payment, despite reasonable precautions that we have taken, include telecommunication outages, postal strikes, fires, floods or other natural disasters; We have paid funds from, or placed a "hold" on funds in your Account or remitted funds to another party, pursuant to reasonable business procedures, or in compliance with legal processes such as a garnishment, tax levy or court order; You have not provided the Bill Payment Service with the correct names, phone numbers, or account information of your Biller; We have received incomplete or inaccurate information from you or a third party involving the Account with respect to a transfer or payment; The Biller mishandles or delays a payment sent by the Bill Payment Service; Unauthorized use of your Digital User ID, Password, Account or debit card has occurred or may be occurring; We or you have terminated your Digital Service or closed your Account to which the Digital User ID was linked; You have supplied your login information to another party; For any other reason specified in this Agreement or any other agreement(s) we have with you. By using the Digital Service or authorizing others to use the Digital Service, you acknowledge that you have received and understand the terms of this Agreement and agree to be bound by all of the provisions of this Agreement and by all of the agreements incorporated herein by reference that also govern your account with us. You warrant to us that: (xxii) Cooperation with Investigations. Transfers Inside the Bank means transferring funds from your deposit accounts with the bank to certain deposit accounts of other customers with the bank. Your Accounts linked to the Digital Service will also be governed by the agreements, disclosures and other documents provided to you in connection with the opening of your Account(s) and as they may be amended from time to time. This security interest will survive termination of this Agreement. Citizens does not have access to your facial recognition or fingerprint information. Unless the Customer directs us to employ one or more intermediary banks, the Bank may execute the Wire Transfer by any means the Bank in good faith believes is reasonable and convenient given the circumstances. Upon expiration of the Retention Period, you shall securely and irretrievably destroy the original checks you transmitted using commercially reasonable methods of destruction. (iii) You acknowledge and agree that your receipt of any banking alerts may be delayed or prevented by factor(s) affecting your cellular phone service provider, internet service provider(s) and other factors outside Citizens Bank control. You agree to provide us, within five (5) business days of our request, a copy of: (a) the audit report derived from the audit undertaken by you in order to comply with your obligations under this Agreement and (b) your SSAS 16 report, or such other comparable report detailing the policies, controls and procedures customer has put in place. Citizens reserves the right to terminate its banking alerts service or begin charging a fee for such service at any time without prior notice to you. Prohibited Payments are not covered by the Digital Guarantee. Without limiting the foregoing, each Image of each check must be of such quality that the following information can be clearly read and understood by sight review of such Image: Each Image shall also comply with any other requirements established from time to time by the Bank, and shall meet all standards for image quality established by the American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve, or any other regulatory agency, clearinghouse or association. We will use commercially reasonable care in performing our responsibilities under this Agreement. No changes requested by you shall be effective unless received and agreed to in writing by the Bank. (v) You authorize us (and our affiliates, agents and contractors) to contact you at any email or number you provide to us, from which you call us, or at which we believe we can reach you, and that we may contact you for any reason, including regarding any log-in attempts, requests you make for a loan or other product, to service or collect on every account you currently have with us or may have with us in the future, and regarding any other products or services we are providing to you or which we provide to you in the future. You will need to set up and verify each of your non-Citizens Bank accounts that you wish to use for these transfers. Consult your credit account agreement or Personal or Business Deposit Account Agreement and related Fees and Features guide for reference to additional fees that may be incurred. Terms not otherwise defined in this Agreement shall have the definition ascribed to those terms in the Account Agreements. Funds will be credited to your account outside the bank within one business day following the date displayed to you in your transfer history. The following definitions govern the terms of this Agreement: We are committed to protecting the security and confidentiality of information about you and your Bank Account(s). A banking alert does not constitute a bank record for the deposit or credit account to which it pertains. When scheduling a future dated or recurring transfer from your account with the bank to an external account the date you select is typically the date the funds will post to the external account and your account with the bank will be debited 2 business days prior to that date. You must have a Checking or Money Market Account to use the Bill Payment Service. Citizens Bank offers a wide variety of services to help you make the most of your account. You shall fund the Account with collected funds on or prior to any applicable Settlement Date, or, if so notified by Citizens Bank, on or prior to the date any Entries are to be processed. Any documentation provided to you which indicates that an electronic fund transfer was made will be admissible as evidence of the transfer and will constitute prima facie proof that the transfer was made. Postal Service and commercial carrier(s), or electric power disruption or shortage, telecommunications failure or computer failures; acts, omissions or errors of any carrier and/or agent operating between you and us or us and any Federal Reserve Bank or other agency utilized to exercise transfers or any recipients of transferred funds; any incorrect, unauthorized or fraudulent use or other fraud by any person other than our employees; or, without limiting the generality of the foregoing, any other cause or circumstance beyond our control or other conditions or circumstances not wholly controlled by us, which would prohibit, retard or otherwise affect our complete or partial performance under this Agreement. Special Rules for Instant Funds from Citizens (Instant Funds): Bank may offer customer the option to access funds sooner than identified in the Mobile Deposit Accessibility Schedule if the mobile check deposit qualifies for Instant Funds. You shall scan the front and back of each check to be deposited and thereby capture the image of the front and back of each check and any other required data from each check and transmit the Images to be deposited and all other required data and information from or pertaining to such checks to us or our Processor in accordance with the Procedures. If you are unable to print or store a copy of this Agreement or if you experience computer or printer malfunctions, please call us at 1-800-922-9999 and we will mail you a paper copy of this Agreement. If we debit your Account incorrectly or your payment is sent to a person or entity different than set out in your Payment Instructions, we will be responsible for returning the improperly transferred funds to your Payment Account and for resending the payment properly. Tell us AT ONCE if you believe your Digital User ID or Password, or both, has been lost, stolen, or used (or may be used) without your permission. We will determine whether an error occurred within ten (10) Business Days after we hear from you and will correct any error promptly. Checks drawn on a financial institution located outside the United States. The Bank is not responsible for detecting any error by you contained in the Wire Transfer request. If you attempt to initiate a Mobile Deposit in excess of these limits, we may reject your Mobile Deposit. You shall provide written notice to us of any changes to the information previously provided by you to us. When entering your Payment Instructions, you will be asked to provide a Pay Date. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer, reverse compile, or create derivative works from any of the technology used to provide this mobile deposit service. No Extension of Credit. Debit/ATM Foreign ATM Fee $ 1.00 bank customer Debit/ATM Replacement Fee $ 10.00 for lost card Debit/ATM Withdrawal Limits *Smart Start Checking is $300 $ 500.00 per day ( ) . If you believe your User ID or Password has become known or has been used (or may be used) without your permission, call the Contact Center immediately at 1-800-922-9999, 24 hours a day or write to us at: Citizens BankC/O Digital ServicesOne Citizens DriveRiverside, RI 02915. If you fail to notify Citizens Bank of any such discrepancy within the time period set forth in the Account Agreement, you shall be precluded from asserting the discrepancy against Citizens Bank. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the Retention Period, shall be exclusively on you. Citizens Bank shall process Entries on your behalf, including by transmittal through the Automated Clearing House (ACH) and therefore you agree to abide by all applicable laws of any such clearing house and all applicable NACHA rules. In any event, no such delay or waiver by us is effective unless it is in writing and signed by us. You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Citizens Bank account during the current or 3 prior calendar months. ACH Stop Payment: $25.00: Account Activity Review by Printout or Phone: $1.00 per page: Account Statement Reprints . Stop payment. If you desire to stop any payment that has already been processed, you must contact Customer Service. Transfers occur every 28 days beginning with the first transfer date specified. You agree that, in the event you are not able to capture, process, produce or transmit a Mobile Deposit to us, or otherwise comply with the terms hereof or of the Procedures, for any reason, including, but not limited to, communications, equipment or software outages, interruptions or failures, you will make the deposit in a manner consistent with other methods for making deposits provided by us until such time that the outage, interruption or failure is identified and resolved. Do I need to have perfect credit? You may cancel or edit a payment up to (3) Business Days or more prior to the Pay Date by following the directions within the help section of the Bill Payment Service. You acknowledge that, if such final Settlement is not received, the Receiving Depository Financial Institution shall be entitled to a refund from the Receiver of the amount credited and you shall not be deemed to have paid the Receiver the amount of the Entry. As provided more fully in the Electronic Notice Disclosure and Consent you agreed to concurrently with your enrollment in the Digital Service, you agree to receive this Agreement and any and all disclosures or notices required by Applicable Law and all other communications, electronically to the email address you designate in your profile. Bill Payments may only be made from Eligible Linked Accounts that are Checking or Money Market Accounts and must be made in accordance with the terms of this Agreement and any other applicable Account agreements. If any provision of this Agreement is held to be void or unenforceable by a court of competent jurisdiction, or any governmental agency having competent jurisdiction over us, that provision will continue to be enforceable to the extent permitted by that court or agency, and the remainder of that provision will no longer be treated as part of this Agreement. 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