Información importante para el usuario: Términos y condiciones y divulgaciones relacionadas

Fecha de vigencia: 12/01/2025

These terms and conditions and related disclosures (“Agreement”) govern the use of your T-Mobile Money Accounts as applicable (checking and/or savings) issued by Coastal Community Bank, member FDIC (“Account”). This Agreement is by and between the account holder, and Coastal Community Bank, member FDIC (the Bank). You understand and agree that the Bank may conduct some or all of its obligations under this Agreement. In this Agreement, the words “we”, “our”, or “us” mean Coastal Community Bank, and the words “you” and “your” mean each account owner, as reflected in our Account records. The Account is also subject to the T-Mobile Money Services User Agreement, and any other information we may provide to you from time to time on the T-Mobile Money website (the “Website”) or the T-Mobile Money experience in the T-Life app (the “App”). To the extent of any inconsistencies between this Agreement and any other terms or conditions provided to you, the terms of this Agreement will govern the Account.

Lea esta información cuidadosamente e imprima y conserve una copia de estos términos y condiciones para su referencia futura.

Haga clic en los siguientes enlaces para acceder a documentos importantes.

1. Divulgación y consentimiento de firma electrónica
2. Ley PATRIOTA de los EE. UU.
3. Contrato de usuario de servicios web y móviles de T-Mobile MONEY
4. Términos y condiciones de la cuenta y divulgaciones relacionadas
5. “Got Your Back” terms and conditions
6. Términos y condiciones del pago de facturas por Internet
7. Información importante sobre los cheques sustitutos (Ley Check 21)
8. Términos y condiciones del depósito de cheques por teléfono móvil

This E-Sign disclosure governs how we deliver electronic Communications for your Accounts.

By agreeing to the terms of this Agreement, you agree to receive all Communications in electronic format and that we may refrain from sending paper communications to you, at our discretion, unless and until you withdraw your consent as described below.

As used in this E-Sign disclosure, “Communications” include:

• All legal and regulatory disclosures and communications associated with your Account(s), including statements, transaction histories, and other account-related information.
•  Avisos o divulgaciones sobre un cambio en los términos de su Cuenta o función de pago asociada y respuestas a reclamaciones.
•  Avisos y políticas de privacidad.
•  Tax documents.
•  Other account-related information.
•  All other communications and information provided in connection with your Account(s).

Todas las Comunicaciones que le proporcionemos en formato electrónico se harán (1) por email, (2) a través del acceso a un sitio web que le designaremos, o (3) a través de una app móvil.

Puede retirar su consentimiento para recibir Comunicaciones en formato electrónico poniéndose en contacto con nosotros al 1-866-686-9358. We will not impose any fee to process the withdrawal of your consent to receive electronic Communications; however, your access and use of the website, mobile application, all accounts, and services related to the Account(s) will be terminated in conjunction with such a request. If you withdraw your consent, we will close your Account(s) and mail you a refund check for the amount of any remaining balance(s) in your Account(s) in accordance with this Agreement. Cualquier retiro de su consentimiento para recibir Comunicaciones electrónicas entrará en vigencia solo después de que transcurra un período de tiempo razonable para procesar su retiro. Remember that your consent to receive electronic Communications is valid until you revoke your consent by notifying us of your decision to do so. If you revoke your consent to receive electronic Communications, we may terminate your Account or your right to use the Website or the App to the extent permitted by law.

Cómo actualizar sus registros

You agree to provide us with a true, accurate, and complete email address and to maintain and update promptly any changes in this information. You can update your contact information by calling our T-Mobile Money Specialists at 866-686-9358.

Para poder acceder, ver y conservar las Comunicaciones electrónicas que ponemos a su disposición, usted debe tener:

• Un navegador de Internet compatible con codificación de seguridad de la capa de transporte de 1.2, 256 bits.
•  Sufficient electronic storage capacity on your computer’s hard drive, mobile device, or other datastorage unit.
•  An active email account with an Internet service provider.
• Una computadora personal, teléfono móvil u otro dispositivo seguro con conexión a Internet, software de navegación actual y sistema operativo y software de computadora/teléfono móvil/dispositivo actualizados que sean capaces de recibir, acceder, mostrar e imprimir o almacenar Comunicaciones recibidas de nuestra parte en forma electrónica a través de un email con formato de texto simple, a través de documentos en formato pdf o a través del acceso a nuestro sitio web.

No le enviaremos una copia impresa de ninguna Comunicación, a menos que usted lo solicite o que nosotros lo consideremos oportuno. You can obtain a paper copy of an electronic Communication by printing it yourself or by requesting that we mail you a paper copy by contacting us at 1-866-686-9358. Las copias impresas no tienen ningún cargo. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any Communication that you have authorized us to provide electronically.

Todas las Comunicaciones, tanto en formato electrónico como impreso, que le enviemos se considerarán "por escrito". You should print or download for your records a copy of this E-Sign disclosure and any other Communication that is important to you.

You acknowledge and agree that your consent to electronic Communications is being provided in connection with a transaction affecting interstate commerce that is subject to the federal Electronic Signatures in Global and National Commerce Act (“E-Sign Act”), and that you and we both intend that the E-Sign Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.

Nos reservamos el derecho, según nuestro criterio, de dejar de enviar Comunicaciones electrónicas o de rescindir o cambiar los términos y condiciones según los cuales enviamos Comunicaciones electrónicas. Le notificaremos cualquier cancelación o modificación en la forma exigida por la ley.

USA PATRIOT ACT

Todas las instituciones financieras están obligadas a obtener, verificar y registrar información que identifique a cada persona que abre una cuenta, de conformidad con la Ley Patriota de los EE. UU. Proporcionar su información personal ayuda al gobierno a luchar contra el financiamiento del terrorismo y las actividades de lavado de dinero.

Lo que esto significa para usted: cuando abra una cuenta, le pediremos su nombre, dirección física, fecha de nacimiento, número de identificación fiscal y otros datos que nos permitirán identificarlo. También podemos pedirle que presente su licencia de conducir u otros documentos de identificación. We will let you know if additional information is required.

T-Mobile Money is a digital-only account. Esto significa que no hay sucursales ni ubicaciones físicas en las que podamos dar servicio a su cuenta o aceptar depósitos en persona. Además, en este momento no ofrecemos servicios de transferencias electrónicas salientes.

By submitting an Account application or by using the Account, you accept and agree to this Agreement, including the applicable Fee Schedule, as may be amended from time to time in accordance with this Agreement. Usted nos otorga el derecho a deducir los cargos, según se devenguen, directamente del saldo de la Cuenta. You also agree to pay additional reasonable charges we may impose for other services you request in connection with your Account. Además, comprende que, por motivos de seguridad, es posible que necesitemos autenticarlo a usted y/o a su computadora o dispositivo móvil antes de que pueda utilizar todas las funciones del Sitio web o la App, incluidos, entre otros, el depósito móvil de cheques, el pago de facturas y otras funciones. Por último, usted comprende y acepta que la Cuenta es solo para uso personal, familiar o doméstico y no debe utilizarse con fines comerciales.

We may change the terms of this Agreement at any time at our sole discretion and may notify you of such changes by any reasonable means. We will provide advance notice of any change, including a description of the change and the applicable effective date, only if required by Federal or state law. By using the Account after we have provided notice or after the applicable effective date of a change, you agree to such changed terms.

Business Days are Monday–Friday, excluding Federal Reserve holidays.

T-Mobile Money Specialists are standing by 8AM-12AM ET daily.

If we suspect that you may be engaging in or have engaged in fraudulent, illegal or improper activity, including a violation of any terms and conditions relating to the Account, your access to the Account may be suspended or terminated. Usted comprende que las transacciones en su Cuenta pueden ser suspendidas o canceladas si se ha denunciado la pérdida o el robo de un dispositivo de acceso o cuando creamos razonablemente que hay actividad inusual en su Cuenta.

Average Daily Balance Method: We use the average daily balance method to calculate interest on your Account. This method applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.

Checking Account:

This is a tiered-rate account. The interest rate and annual percentage yield (APY) you earn depend on your average daily balance and whether you meet the monthly direct deposit requirement.

If you make a qualifying payroll-based direct deposit of $200 or more each calendar month:

• An interest rate of 3.92% will be paid only for that portion of your average daily balance that is $3,000 or less. The APY for this tier is 4.00%.
• An interest rate of 2.47% will be paid only for that portion of your average daily balance that exceeds $3,000. The APY for this tier is 2.50%.

If you do not make a qualifying payroll-based direct deposit of $200 or more each calendar month:

• An interest rate of 2.47% will be paid on your entire average daily balance. The APY for this rate is 2.50%.

Qualifying Direct Deposit Definition:
A qualifying payroll-based direct deposit is defined as an ACH deposit from an employer, payroll provider, or government benefits provider of $200 or more per calendar month.

Savings & Shared Savings:

    The interest rate on your account is 2.47% with an annual percentage yield (APY) of 2.50%.

How Interest Works

• Interest begins to accrue on the business day you deposit noncash items.
• Interest is compounded monthly. Interest will be credited to your Account at the end of your statement cycle.
• If you close your account before interest is credited, you will not receive the accrued interest.
• The interest rates and APY on the Accounts are variable. At our discretion, we can change the interest rate and APY on the Account at any time.
• Fees and withdrawals can reduce earnings.

Fees imposed by third parties will be passed through to customers. This includes but is not limited to ATM fees charged by any non- Allpoint Network ATM or non-Coastal Community Bank ATM, Mastercard rePower® network fees charged by participating merchants, or foreign transaction fees charged by third parties.

No debe revelar su contraseña de acceso al Sitio web, la App o esta Cuenta a ninguna persona. You will notify us immediately if your password is compromised or los

We may share information in accordance with the below:

• Aviso de privacidad de Coastal Community Bank

• Aviso de privacidad de T-Mobile

By applying for and keeping an Account, you allow the Bank and its partners to access and share your banking history with checking account and credit reporting agencies, including sharing information about negative balances or unpaid fees. This information may appear on your credit report, affect your credit score, and influence your ability to open future accounts. To the extent not prohibited by law, we may also use consumer reporting tools (like Early Warning Services) to confirm you still meet account requirements and for any services you request.

RIGHTS OF CO-OWNERS: Co-owners of Shared Accounts are joint tenants with right of survivorship. Each co-owner has equal powers with respect to the Account. Cualquiera de los titulares puede realizar transacciones sin el otro. Esto incluye, entre otras cosas, la posibilidad de realizar pagos, retirar o transferir fondos, cambiar la dirección de email a la que se envían los estados de cuenta/avisos y/o cerrar una cuenta. Podemos actuar según las instrucciones de un cotitular sin el consentimiento del otro cotitular. Sin embargo, ningún cotitular puede eliminar el nombre de otro. No estamos sujetos ni estaremos obligados por ningún acuerdo celebrado entre cotitulares. La notificación a un (1) cotitular en la dirección de email que consta en nuestros registros se considerará notificación a todos los cotitulares. Cada uno de ustedes garantiza que la firma del otro cotitular es auténtica y se compromete a proporcionar cualquier endoso que pudiera faltar en un artículo depositado.

DEATH OF A CO-OWNER: Funds from a Shared Account can be paid to or on the order of either co-owner of the account, even if that co-owner is not alive at the time the payment is made. On the death of a co-owner, the funds in the Shared Account belong to the surviving co-owner. Except as otherwise provided by applicable law, the estate of the deceased co-owner will have no rights to the Account. The surviving co-owner agrees to immediately close the Account by calling our T-Mobile Money Specialists at 866-686-9358 and agrees that we may close the Account upon notice of the death of a co-owner as it no longer meets the definition of a Shared Account. Any remaining funds may be transferred to the surviving co-owner’s Account. Note: We may require a submission of a death certificate.

LIABILITY OF CO-OWNERS: Your liability as a co-owner of a Shared Account is joint and several, which means we can enforce this agreement against each co-owner. También podemos reclamar el pago de cualquier monto que nos adeude uno de los cotitulares sin tener que reclamar el pago a ambos cotitulares. If a Shared Account becomes overdrawn, each co-owner is liable to us regardless of which co-owner caused or benefited from the overdraft. If one or more co-owners owe us money that is due, we can use the funds in the Shared Account to pay the debt without notice to the other co-owner. De acuerdo con la legislación aplicable, cada cotitular es responsable de sus propias obligaciones fiscales. A efectos fiscales, emitiremos un formulario 1099 solo al titular principal de la cuenta. El titular principal es el emisor de la invitación. We will comply with attachments, liens, and/or other forms of legal process received and may hold or remit funds belonging to a co-owner from the Shared Account.

Podemos cerrar su Cuenta en cualquier momento por cualquier motivo y sin previo aviso. We will not be liable to you for dishonoring any check, credit, or other payment order presented for payment or deposit after we close your Account. We will mail you a notice that we have closed your Account and tender the Account balance, less any fees or charges, by mail to you at the address we have on record at the time the Account is closed. If there is a balance in your savings, the remaining funds will be disbursed through an automatic/immediate transfer to the open checking Account prior to Account closure.

Puede cerrar esta Cuenta en cualquier momento siempre que no tenga un saldo negativo. If you close your checking Account, your savings will also be closed. Any remaining balance in your checking Account or savings will be mailed to you at the address we have on record at the time the Account is closed. Please note that you will be responsible for any fees, penalties or charges owed to us and you authorize us to deduct any amounts from the remaining balance in your Account. To the extent your Account has 1) a negative balance, or 2) a balance of $0 with no activity, for more than 180 days, your Account may be closed and a check in the amount of any remaining balance in your account will be mailed to you at the address we have on record at the time the Account is closed. If your Account balance was negative at the time of closing, you will continue to be responsible for paying us the amount of your negative balance and we may report this information to outside credit reporting agencies or databases.

No podrá ceder ni transferir ningún derecho u obligación que pueda tener en virtud del presente Contrato, o con respecto a la Cuenta, sin nuestro consentimiento previo por escrito. Nos reservamos el derecho de transferir en cualquier momento cualquier derecho u obligación en virtud del presente Contrato sin su consentimiento, a menos que se indique lo contrario en el mismo.

Todos los instrumentos aceptados para depósito (incluidos los instrumentos librados "por nosotros") recibirán crédito de acuerdo con nuestra Política de divulgación de disponibilidad de fondos y nuestros Términos y condiciones del depósito de cheques por teléfono móvil, según corresponda. Todas las transacciones recibidas después de nuestro "horario de cierre diario" en un día hábil en el que estemos abiertos o recibidas en un día en el que no estemos abiertos se tratarán y registrarán como si se hubieran iniciado el siguiente día hábil en el que estemos abiertos. Los horarios de cierre diario y los días hábiles se indican en la sección "Política de disponibilidad de fondos" de este documento.

You can add cash to your checking Account using the Mastercard rePower® network at participating merchants. A minimum $20 deposit is required, and a cash-only fee (usually $5 or less) will apply, set by the participating merchant. We don't control or benefit from these fees. The merchant may set deposit limits, and such limits can change based on network or merchant rules.

No aceptamos depósitos en efectivo por correo. If cash deposits are received, the cash will be returned to you at the address on file. No nos hacemos responsables de ningún depósito, incluido el efectivo, perdido en el correo, extraviado en tránsito o no recibido por nosotros.

We will only accept check for deposit that are drawn on financial institutions located in the United States. We will only accept checks payable to you for deposit. We will not accept any checks payable to a third party for deposit.

We do not accept check deposits through the mail. If check deposits are mailed to us, we may reject the deposit. We are not obliged to return the check to you. We are not liable for any check deposit lost in the mail, lost in transit or not received by us.

Checks must be endorsed exactly as payable, and you warrant that all endorsements are genuine. For mobile deposits, write "For Remote Deposit Only" or "For Mobile Deposit Only" in the designated 1-inch area on the back. Improper endorsements may make you liable for losses. If you don't endorse a check, we may add your endorsement if it's payable to you.

All deposits are subject to final payment. If a deposit or transfer to your account is returned or otherwise unpaid for any reason, you agree to repay the amount and we may charge back the amount credited to your Account, even if doing so results in an overdraft on your Account. We may charge any of your Accounts or reprocess returned items without notice. For ACH transfers returned due to insufficient funds, you authorize us to retry it up to two more times.

You authorize us to collect on returned items, including allowing the payor bank to hold an item beyond any applicable deadline. If a deposited item is later disputed (e.g., altered or forged endorsement), we may hold the funds until the issue is resolved and we may charge back the amount credited to your Account if we determine the claim is valid, even if doing so results in an overdraft on your Account.

If any amounts deposited in this Account are claimed by the federal government or any state government for any reason, you authorize us to deduct the amount of liability from this Account or from any other Account you have with us, without prior notice and at any time, except as prohibited by law. También podemos utilizar cualquier otro recurso legal para recuperar el importe de la obligación.

Payroll direct deposits may be available up to two days early, depending on your employer's deposit timing and details. Early access isn't guaranteed and doesn't apply to most government benefits (e.g., unemployment, pensions, or veteran payments). Eligible payroll deposits are generally made available on the business day we receive notice of the upcoming payment. We are not liable if we fail to make any payroll direct deposit available early, regardless of whether such payroll directdeposits were previously made available early.

You can withdraw or transfer funds from your Account at any time via the methods provided in this Agreement. We will not issue checks for your Account, and you may not write checks from your Account. Checks drawn on your account may be issued in connection with the Bill Pay Service or by third parties you authorize. We may honor checks drawn on your Account and we may process checks drawn on your Account even if dated for the future. Withdrawals are made from available funds, and we may reject withdrawal requests or payments if funds are unavailable or if limits are exceeded.

You must keep enough funds in your account to cover all withdrawals and payments. We may choose to pay or return items if you have insufficient funds and are not required to honor post-dated checks.

Except as otherwise provided by law, this Agreement follows Article 4A of the Uniform Commercial Code for Washington State. If a funds transfer identifies a beneficiary, bank, or other party to the funds transfer inconsistently by name and account or other identification number, the identification number alone may be relied upon even if the identification number identifies a party other than the named party.

Credits from funds transfers to your Account are provisional until we receive final payment. If we don't receive final payment, you must return any credited amount and we may charge back the amount credited to your Account, even if doing so results in an overdraft on your Account. We're not required to notify you of incoming ACH or wire transfers.

Las siguientes transacciones requieren que utilice su PIN de 4 dígitos y deben realizarse en persona:

• Cash withdrawals at an ATM
• Rental Vehicle transactions (Effective 10/01/2023)

Las transacciones de alquiler de vehículos requieren que seleccione "débito" para asegurarse de que está autorizando el importe total que se cargará a su tarjeta.

Some rental car companies may choose not to accept PIN-based transactions, in which case you may be unable to use your Money debit card to reserve or pay for a rental car reservation with those companies. Las transacciones por Internet/comercio electrónico no permiten introducir el PIN. Asegúrese de leer la política de tarjetas de pago de la empresa de alquiler de vehículos para obtener información específica sobre su alquiler. Las transacciones a través de T-Mobile TRAVEL seguirán siendo aceptadas y no requerirán que utilice su PIN.

Automated fuel dispenser (pay-at-the-pump) transactions at gas station merchants may result in temporary authorization for amounts greater than the actual purchase amount. Esta diferencia en la retención de autorización se debe a que se desconoce el importe real en el momento de presentar la solicitud. Consistent with Mastercard® guidelines, the amount we may temporarily hold when you use your T-Mobile Money™ Debit Mastercard® at the pump will be $50.00 (even if your purchase is less than $50.00). Esto puede reducir su saldo disponible durante un breve período de tiempo, normalmente una hora. Nota: estas retenciones se aplican a las transacciones de pago en el surtidor (autoservicio). No se aplicarán retenciones a los pagos realizados a través del cajero en la tienda. Para evitar una retención temporal, recomendamos pagar por adelantado en el interior.

We typically process transactions in the order received. In some instances, we may process credits and other deposits first, then process debits. We may change this order at any time without notice. You are responsible for ensuring sufficient funds are in your Account to cover transactions and you should regularly review your Account balance.

If you do not have enough money in your Account to cover a transaction, we may pay the transaction anyway and overdraft your Account. We may decide whether to pay or reject a transaction at our sole discretion regardless of whether we have previously paid or rejected transactions. You must immediately repay any overdraft along with any applicable fees. See the Got Your Back Terms and Conditions below for information on our overdraft services.

You can request a stop payment on ACH transfers or debit card transaction, either verbally or in writing. We may ask you to complete a form and provide enough details to process the request. The stop payment is not confirmed until we notify you.

• ACH transfers: To stop an ACH transfer, provide your account number, the merchant name, amount or range of amounts, and date(s) of the transfer. Orders don’t expire and must be canceled in writing.
  
• Debit Cards: To stop a preauthorized debit card transaction, provide the merchant name, amount, and date. You must notify us at least three business days before the scheduled date of the transaction.  If you call, you must sendyour request in writing to PO Box 3509, Mission, TX 78573 within 14 days after you call. Orders expire in 3 years and must be canceled in writing.

We're not liable if a payment goes through because you provided incorrect or incomplete information, or if you benefit from the payment. We may pay items after the stop payment expires or is canceled. If your Account is closed, the stop order is canceled.

To change or cancel transfers you initiated through the Bill Pay Service, see the Online Bill Payment Terms and Conditions below.

You can view your monthly statement in the “Resources > Statements” section on the T-Mobile Money website or T-Life app, on or after the 10th calendar day of the following month.

Except with respect to electronic fund transfers, you must review your statement within 60 days and report any errors or unauthorized activity, including unauthorized signatures, forged indorsements, or alterations. If you don't report issues within 60 days, you may be fully responsible for any losses, including fraud by the same person.

You’re responsible for monitoring your available balance. Merchants can’t see it, so check via the website, app, or by calling (866)-686-9358 (**MONEY from your T-Mobile phone). Statements are available electronically only.

See Electronic Fund Transfers: Your Rights and Responsibilities section below for reporting errors and unauthorized transfers related to electronic fund transfers.

Savings with T-Mobile Money requires you to maintain an open, active T-Mobile Money Checking Account in good standing (for example, the checking Account does not have a negative balance or is not subject to any holds or liens). No minimum balance is required to open the Account, avoid fees, or earn interest. You may transfer funds from savings to your checking Account. No other transfers are permitted and any other transfers or payments may be rejected. We may require 7 days’ notice before withdrawals. If you close your checking Account, your savings will be closed.

Shared Savings is with a co-owner, as agreed under the “Co-Owner Acceptance for Shared Accounts.” Each T-Mobile Money customer can have one individual and one shared savings.

When you open your Account, you must provide a valid tax identification number (TIN) and certify it as correct. We use this TIN to report interest or bonuses to the IRS. If you don't provide a TIN, give an incorrect one, or fail to certify it, the IRS may require us to withhold a portion of your interest payments (backup withholding). If this happens and you are later exempt, you must contact the IRS for a refund.

Podemos (sin previo aviso y cuando lo permita la ley) hacer una compensación de los fondos de cualquiera de sus Cuentas en caso de una deuda vencida y exigible que tenga con nosotros ahora o en el futuro. No seremos responsables de la falta de pago de un cheque cuando esta falta de pago se produzca porque compensamos una deuda de una de sus Cuentas. You agree to hold us harmless from any claim arising because of our exercise of our right of setoff.

We are required by law to deliver to the applicable state agency any funds in an Account if you do not have activity or we cannot locate you for a period of time as defined by applicable state law. Le enviaremos las notificaciones pertinentes, conforme a lo exigido por la ley. You agree that we are not responsible for any funds delivered to the state in compliance with the applicable state laws.

If your Account is subject to legal action like a tax levy or garnishment, we may freeze funds and stop or reject payments until it's resolved. We aren't liable for paying out under such orders and will deduct any fees or debts first. You're responsible for any related costs, including legal fees, which may be charged to your Account. We may continue processing transactions until official court documents are received and you agree to cover any losses if we do so.

Usted se compromete a pagar todas las comisiones y cargos aplicables a su Cuenta. Please refer to the Fee Schedule for the charges associated with your Account for certain transactions and/or requests.

Puede acceder a su cuenta con la asistencia de agentes bilingües en el horario de 8 a.m a 12 a.m., hora del este, los 365 días del año, llamando al (866)-686-9358 (dentro de EE. UU.) o (414)-751-6700 (fuera de EE. UU.) o marcando **MONEY desde su dispositivo móvil de T-Mobile para:

1. Obtener información sobre transacciones en su Cuenta.
2. Place a stop payment order or dispute a transaction
3. Request copies of statements, and deposited items.
4. Denunciar la pérdida o el robo de una tarjeta.

You agree we may contact you using any information you've provided, including but not limited to email, text, phone, or mail. You consent to receiving calls or texts, which may result in charges to your mobile phone.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before the cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the cutoff time or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Cutoff times (MT):

• Incoming wires: 6 p.m.
•  Mobile check: 7 p.m.
•  External transfers/bill pay: 11:59 p.m.
•  Cash deposits: no cutoff time
•  Incoming ACH/direct deposits: no cutoff time

Los fondos procedentes de las siguientes fuentes están disponibles el mismo día hábil en que recibimos el depósito:

• Funds from ACH/direct deposits
• Incoming wire transfers

Los depósitos de cheques a través de teléfono móvil están sujetos a las disposiciones sobre "Normas de disponibilidad de fondos de depósitos por teléfono móvil" de la sección "Términos y condiciones del depósito de cheques por teléfono móvil".

Cash deposits made through the Mastercard rePower® network are available the next business day after the business day on which these deposits are received. En muchos casos, sin embargo, los depósitos en efectivo estarán disponibles antes, incluso inmediatamente después del ingreso.

Esta divulgación establece los derechos y responsabilidades adicionales que usted puede tener en relación con las Transferencias electrónicas de fondos y se aplica solo a las cuentas de depósito establecidas para uso personal, doméstico o familiar. El término «Transferencia electrónica de fondos» incluye las transferencias de fondos iniciadas a través de una terminal electrónica, teléfono, cinta magnética, dispositivo móvil o computadora con el fin de ordenar, instruir o autorizar a una institución financiera a debitar o acreditar en una cuenta de depósito. This includes, without limitation, ATM and Point of Sale (POS) transfers, ACH transfers, debit card transactions, transactions initiated via online or mobile banking, and electronic check conversion transactions. See Online Bill Payment Terms and Conditions for additional terms that apply to bill payment transactions.

Días hábiles

Un Día hábil es de lunes a viernes, excepto los días festivos de la Reserva Federal.

Electronic Fund Transfers: Checking Accounts

You may make the following electronic fund transfers from your checking Account:

Electronic transfers. You may authorize us or third parties to make one-time or recurring transfers of funds to or from your Account by providing your Account number. Ejemplos de estas transferencias incluyen, entre otros:

• Payroll direct deposits, government benefits, or other direct deposits
• One-time or recurring transfers to pay bills from your Account
• Transfers between your checking Account and your savings
• Transfers between your Account and your accounts at other financial institutions
• One-time electronic transfers using information from your check to pay for purchases or pay bills

There are limits on the amount and number of electronic transfers you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.

T-Mobile Money™ Debit Mastercard® transactions. You may use your T-Mobile Money™ Debit Mastercard® to:

• Purchase goods or services in person, online or by phone at any merchant that accepts T-Mobile Money™ Debit Mastercard®
• Deposit cash using the Mastercard rePower® network at participating merchants

There are limits on the amount and number of T-Mobile Money™ Debit Mastercard® you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason. When you use your T-Mobile Money™ Debit Mastercard® to make a purchase, a hold may be placed on the funds available in your Account to cover the transaction. Held funds will not be available for withdrawal or to cover other payments during the hold period.

You may also use your T-Mobile Money™ Debit Mastercard® to at ATMs to:

• Withdraw cash
•  Check your Account balance

Deposits cannot be made at ATMs.

There are limits on the amount and number of ATM withdrawals you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.  

Internet Banking. You may access your Account via the Website or App with your user ID and Password to:

1. Obtenga el saldo de su Cuenta.
2. Get the account history starting from August 27, 2025
   
3. Make payments from your Account to third parties using the Bill Pay Service.
4. Solicite copias de estados de cuenta, cheques e instrumentos depositados (según corresponda).
5. Transfer funds between your T-Mobile Money Accounts.

Your username and password, along with any other authentication procedures we may require, will serve as your authorization for online transfers. There are limits on the amount and number of ATM withdrawals you can make from your Account. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason.  

You may use the Website or App to transfer funds between your checking a

Please refer to the Fee Schedule for additional information about fees.

We don’t charge fees for using non-Coastal Community Bank or non-Allpoint ATMs, but the ATM owner/operator may charge fees—even for balance inquiries or incomplete transactions.

Allpoint® ATMs may change and aren't guaranteed to be available 24/7. Use the Allpoint® locator for the latest updates and check each ATM for posted fees before use. Third-party ATM fees are not set or collected by us.

If you make a purchase or withdraw funds in a currency other than U.S. dollars, Mastercard will convert the amount to U.S. dollars using a market or government-mandated exchange rate on the processing date. We don't charge foreign transaction fees, but third parties may, and those fees will be deducted from your Account.

Your PIN and password are personal and confidential security tools for using your card or accessing your Account. Use your PIN at ATMs and your password for online transactions. You agree to keep them private, not share them, avoid writing them down, and never leave your device unattended while logged in.

Si nos ha indicado con anticipación que realicemos pagos regulares con cargo a su Cuenta, puede detener cualquiera de estos pagos avisándonos con la debida antelación. Contact us by calling (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US) or by dialing

**MONEY from your T-Mobile wireless device at least three business days before the payment is scheduled to be made.

If these regular preauthorized payments may vary in amount, the person you are going to pay will tell you 10 days before each payment, when it will be made, and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.

If you order us to stop one of these payments, 3 business days or more, before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.

Puede obtener un recibo en el momento de realizar cualquier transferencia hacia o desde su Cuenta utilizando la mayoría de los cajeros automáticos o terminales de punto de venta.

If you have arranged to have direct deposits made to your Account at least once every 60 days from the same person or company, you can call a T-Mobile Money Specialist at (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US) or dial **MONEY from your T-Mobile wireless device for bilingual support 8AM-12AM ET, 365 days a year to find out whether or not the deposit has been made.

You will get a monthly account statement.

Si no completamos de manera adecuada una transacción de su Cuenta, a tiempo o por el monto correcto, conforme nuestro Contrato con usted, podemos ser responsables por las pérdidas o los daños ocasionados. No obstante, hay algunas excepciones. No seremos responsables, por ejemplo:

1. If through no fault of ours, you do not have enough funds available in your Account to completethe transaction;
2. Si un comercio no acepta su tarjeta;
3. Si el cajero automático (ATM) donde estaba haciendo el retiro de dinero no tiene el efectivo suficiente;
4. Si la terminal electrónica donde está haciendo una transacción no opera correctamente, y usted sabía sobre este problema al iniciar la transacción;
5. Si el acceso a su Cuenta ha sido bloqueado luego de su denuncia por pérdida o robo de tarjeta;
6. Si hay una retención o sus fondos están sujetos a un proceso judicial u otro gravamen que restringe su uso;
7.  Si tenemos motivos para considerar que la transacción solicitada no está autorizada;
8. If circumstances beyond our control (such as fire, flood, or computer orcommunication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; or
   
9. Cualquier otra excepción establecida en nuestro Contrato con usted.

Report lost or stolen cards or unauthorized transfers immediately by calling T-Mobile Money at (866)-686-9358 (U.S.), (414)-751-6700 (international), or **MONEY from your T-Mobile phone.

You could lose all the money in your account. If you tell us within 2 business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, 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 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. Si existen motivos justificables (como un viaje largo o una hospitalización) que le impidieron informarnos sobre el asunto, extenderemos los períodos.

If you spot an error on your statement or need more info about a transaction, contact us as soon as you can by calling T-Mobile Money at (866)-686-9358 (U.S.), (414)-751-6700 (international), dialing **MONEY from a T-Mobile device, or write us at PO Box 3509 Mission, TX 78573. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You’ll need to provide:

1. Your name and account/card number
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
3. The dollar amount in question

If you call, we may require a written follow-up within 10 business days. We'll resolve most issues within 10 business days and will correct any error promptly. No obstante, si necesitamos más tiempo, podemos tardar hasta 45 días en investigar su queja o pregunta. Si decidimos hacerlo, acreditaremos en su cuenta en un plazo de 10 días hábiles el monto que usted considere incorrecto, para que pueda disponer del dinero durante el tiempo que tardemos en completar nuestra investigación. Si le pedimos que presente su queja o pregunta por escrito y no la recibimos en un plazo de 10 días hábiles, es posible que no acreditemos el monto en su cuenta.

En caso de errores relacionados con cuentas nuevas, puntos de venta o transacciones iniciadas en el extranjero, podemos tardar hasta 90 días en investigar su queja o pregunta. En el caso de cuentas nuevas, podemos tardar hasta 20 días hábiles en acreditar a su cuenta el monto que usted considera incorrecto.

Le comunicaremos los resultados en un plazo de tres días hábiles tras completar nuestra investigación. Si determinamos que no ha habido error, le enviaremos una explicación por escrito. Puede solicitar copias de los documentos que utilizamos en nuestra investigación.

Podemos revelar información a terceros sobre su Cuenta o las transferencias que realice:

1. Where it’s necessary for completing transfers, or
2.  In order to verify the existence and condition of your Account for a third party, such as a credit bureau or merchant, or
3.  In order to comply with government agency or court orders such as any subpoena, summons, court or administrative order, or other legal process which we believe requires our compliance, or
4.  As otherwise described in our Privacy Policies, or
5.  If you give us your written permission.
6.  Si no está prohibido por la ley.

This section of this Agreement does not apply to any dispute in which the amount in controversy is within the jurisdictional limits of, and is filed in, a small claims court. Usted y nosotros acordamos someter a arbitraje todas las demás disputas y reclamaciones que surjan entre usted y nosotros. Este acuerdo de arbitraje debe interpretarse en sentido amplio. Este acuerdo de arbitraje no le impide poner los conflictos en conocimiento de organismos federales, estatales o locales. Dichos organismos pueden, si la ley lo permite, interponer recursos contra nosotros en su nombre. Usted acepta que, al suscribir el presente Contrato, tanto usted como nosotros renunciamos al derecho a un juicio con jurado o a participar en una demanda colectiva. Este Contrato da testimonio de una transacción de comercio interestatal y, por lo tanto, la Ley Federal de Arbitraje regirá la interpretación y la ejecución de esta cláusula. Esta cláusula de arbitraje subsistirá tras la cancelación del presente Contrato.

You have the right to opt out of this Arbitration provision by sending a written notice of your decision to opt out to [email protected] (“Opt-Out Notice”), within sixty (60) days after first becoming subject to this Arbitration provision. Your Opt-Out Notice must clearly state that you want to opt out of this Arbitration provision, identifying the Arbitration provision by date; providing your name and address, and the email address and the phone number you used to set up your account, and the Opt-Out Notice must be electronically signed by you. No other methods can be used to opt out of this Arbitration provision.  Any Opt-Out Notice will be effective only if you send it yourself, on an individual basis, and opt out notices from any third-party purporting to act on your behalf will have no effect on your or our rights. If you opt out of this Arbitration provision, all other parts of this Agreement will continue to apply to you. Opting out of this Arbitration provision has no effect on any arbitration agreements that you may currently have with us, including any previous versions of this Arbitration provision to which you agreed and did not timely opt out, which will remain in effect, and has no effect on any arbitration agreements with us you may enter in the future.

A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to us should be addressed to Legal, PO Box 12220 Everett, WA  98206(the "Notice Address"). Any Demand should also be sent by email to [email protected]. The Notice must (a) identify the name, telephone number, mailing address, and email address of the party to this Agreement seeking arbitration, as well as the email address associated with any applicable account, (b) describe the nature and basis of the claim or dispute; (c) set forth the specific relief sought; and (d) include a statement certifying that the requesting party will pay any necessary filing fees applicable to you as a consumer in connection with the arbitration as set forth in the AAA fee schedule (the “Demand”). Si no llegamos a un acuerdo con usted para resolver la reclamación en el plazo de 30 días desde la recepción del Aviso, nosotros o usted podremos iniciar un procedimiento de arbitraje. Durante el arbitraje, el monto de cualquier oferta de conciliación realizada por nosotros o por usted no será revelado al árbitro hasta después de que el árbitro determine el monto, si lo hubiera, al que usted o nosotros tuviéramos derecho.

The arbitration will be governed by the Consumer Arbitration Rules ("AAA Rules") of the American Arbitration Association ("AAA"), as modified by this Agreement, and will be administered by the AAA. Las Normas de la AAA están disponible en línea en www.adr.org, o al escribir a la Dirección de aviso. Las Normas de la AAA y la lista de cargos que contienen establecen su obligación limitada de pagar gastos de presentación. Sin embargo, en caso de que usted no pueda hacer frente a estos gastos, tal y como determinan las Normas de la AAA, examinaremos de buena fe cualquier solicitud legítima de pago o reembolso de dichos gastos. Todas las cuestiones deben ser resueltas por el árbitro, excepto las relativas al alcance y aplicabilidad de la cláusula de arbitraje, que deben ser resueltas por el tribunal. A menos que usted y nosotros acordemos lo contrario, cualquier audiencia de arbitraje a la que usted asista tendrá lugar en el distrito judicial federal donde usted resida. Si su reclamación es de $10,000 o menos, acordamos que usted puede elegir si el arbitraje se llevará a cabo únicamente sobre la base de documentos presentados al árbitro, a través de una audiencia telefónica, o mediante una audiencia en persona según lo establecido por las Normas de la AAA. Si su reclamación supera los $10,000, el derecho a una audiencia será determinado por las Normas de la AAA. Independientemente de la forma en que se lleve a cabo el arbitraje, el árbitro emitirá una decisión razonada por escrito que sea suficiente para explicar las constataciones y conclusiones esenciales en las que se basa el laudo.

You shall bear your own attorneys’ fees and costs in arbitration unless the arbitrator finds that either the substance of the dispute or the relief sought in the demand was frivolous or was brought for an improper purpose, in which case we may seek an award of our attorneys’ fees and costs against you and/or your attorney.

The arbitrator may award injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OURINDIVIDUAL CAPACITIES, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANYPURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, unless both you and

we agree otherwise, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If this specific paragraph, or any portion thereof, is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Notwithstanding any provision in this Agreement to the contrary, we agree that if we make any future change to this arbitration provision (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of change to the Arbitration Notice Addressprovided above. Al rechazar cualquier cambio futuro, usted acepta someter a arbitraje toda disputa entre usted y nosotros de conformidad con esta cláusula. Estas cláusulas de arbitraje seguirán vigentes al cierre de su Cuenta o a la finalización de toda relación comercial con nosotros.

Estas cláusulas de arbitraje seguirán vigentes al cierre de su Cuenta o a la finalización de toda relación comercial con nosotros.

Effects of Arbitration: If either of you or us chooses arbitration, neither you nor we will have the right to litigate the dispute in court or have a jury trial. Asimismo, usted no tendrá derecho a participar como representante o miembro de ninguna clase de demandantes en relación con ninguna disputa sujeta a arbitraje. No obstante lo anterior, cualquier cuestión relativa a la validez y el efecto de esta renuncia a la demanda colectiva será decidida únicamente por un tribunal de jurisdicción competente, y no por el árbitro.

This Agreement is governed by and interpreted under the laws of the State of Washington

Usted acepta indemnizarnos y eximirnos a nosotros, T-Mobile, y a nuestras compañías afiliadas, ejecutivos, directores y empleados, agentes y contratistas de cualquier reclamo, acción, demanda, pérdida o daños (incluidos los honorarios de abogados) realizados o incurridos por un tercero que surjan o estén relacionados con su uso del Servicio.

En ningún caso seremos responsables de actos u omisiones de terceros (como, por ejemplo, proveedores de servicios de telecomunicaciones, acceso a Internet o equipos o programas informáticos) ni de circunstancias que escapen a nuestro control (como, por ejemplo, incendios, inundaciones u otras catástrofes naturales, casos fortuitos, guerras, disturbios, huelgas, actos de las autoridades civiles o militares, fallos de los equipos, virus informáticos o fallos o interrupciones de los servicios de electricidad, telecomunicaciones u otros servicios públicos).

No se considerará que hemos renunciado a ninguno de nuestros derechos o recursos en virtud del presente documento a menos que dicha renuncia conste por escrito y esté firmada por nosotros. Ningún retraso u omisión por nuestra parte en el ejercicio de cualquier derecho o recurso supondrá una renuncia a tales derechos o recursos o a cualquier otro derecho o recurso. La renuncia en una sola ocasión no se interpretará como impedimento o renuncia a cualquier derecho o recurso en ocasiones futuras.

How Got Your Back works: “Got Your Back” is available only for Checking Accounts and provides for payment of debit card purchases, or ACH payment transactions that would cause an overdraft of up to $50.00 based on the balance in your T-Mobile Money Checking Account.

Qualification Criteria: Each day, we look at the total amount of Eligible Deposits you’ve deposited into your checking Account over the past 31 days. “Eligible Deposits” include only ACH payroll-based direct deposits and does not include check or cash deposits. Once the deposit total hits $200 or more, Got Your Back turns on the next day. If the Eligible Deposits we count in the 31-day window add up to less than $200, coverage turns off—but it’ll return once you meet the requirement again.

You must repay any negative balance within 30 days from the date your Account went negative. If you do not pay us back within 30 days, you may lose Got Your Back for good.

These Online Bill Payment Terms and Conditions (“Bill Pay Terms”) shall be part of the Agreement and shall apply to any use of the Online Bill Payment Service offered by T-Mobile Money (the “Bill Pay Service”). By using the Bill Pay Service, you agree to be bound by these Bill Pay Terms.

Definiciones

• "Día hábil" es de lunes a viernes, excepto los días festivos de la Reserva Federal.
•  "Fecha de vencimiento" es la fecha reflejada en el estado de cuenta de su Beneficiario antes de la cual debe abonarse el pago. No es la fecha límite ni el período de gracia.
•  "Beneficiario" es la persona o entidad a la que usted solicita que se dirija el pago de una factura.
•  “Payment Instruction” is the information provided by you to the Bill Pay Service for a bill payment to be made to the Payee.
•  “Scheduled Payment” is a payment that has been scheduled through the Bill Pay Service but has not begun processing.
•  “Scheduled Payment Date” is the day your Account will be debited and is also the day the Bill Pay Service will begin processing your payment, unless the Scheduled Payment Date falls on a non-Business Day, in which case the Scheduled Payment Date will be the next Business Day.

Al programar pagos, debe proporcionar la información correcta, tal como el nombre, la dirección, el número de teléfono o la información de la cuenta correctos del Beneficiario. Los pagos programados enviados antes de las 8 p.m. ET de un Día hábil, se procesarán el mismo Día hábil. Los pagos enviados después de las 8 p.m. ET se procesarán el siguiente Día hábil.

Not all Payees will receive electronic payments through our Bill Pay Service. Only participating Payees may receive electronic payments. Payments to other Payees may be made by paper check.  We reserve the right to make payment via paper check to any Payee at any time.

Payments issued electronically will begin processing on your Scheduled Payment Date and will arrive approximately three(3) Business Days after the Scheduled Payment Date. When scheduling payments, you must select a Scheduled Payment Date that is no fewer than three (3) Business Days before the actual Due Date, not the late date or grace period.

Si la entrega electrónica no está disponible para el Beneficiario, los pagos se emitirán mediante cheque impreso. Payments will begin processing on your Scheduled Payment Date and will arrive approximately five (5) - seven (7) Business Days after the Scheduled Payment Date. When scheduling payments, you must select a Scheduled Payment Date that is no fewer than seven (7) Business Days before the actual Due Date, not the late date or the grace period.

El límite máximo para transacciones de pago de facturas es de $10,000. El límite diario total para las transacciones de pago de facturas es de $20,000.

Due to circumstances beyond the control of the Bill Pay Service, particularly delays in handling and posting payments by Payees or other financial institutions, some transactions may take longer to be credited to your account with the Payee. The Bill Pay Service will bear responsibility for any late payment related charges, up to $50.00 per incident, should a payment post to your account with the Payee after its Due Date as long as the payment was scheduled in accordance with the guidelines described under “Payment Scheduling” in this Agreement.

By providing Payee details, you authorize the Bill Pay Service to follow your Payment Instructions. To ensure efficient processing, the Bill Pay Service may adjust payment data per Payee guidelines. When you initiate a bill payment, you authorize the Bill Pay Service to debit your Account. If a payment is returned, the Bill Pay Service will attempt to correct and resend it or void and credit your Account.

The Bill Pay Service is not liable for failing to process a payment if:

a) Your Account lacks sufficient funds;
b) The payment system malfunctions, and you were informed;
c) You provided incorrect Payee details; or
d) Uncontrollable events (e.g., fire, flood) prevent the transaction.

If none of these apply and an error occurs, the Bill Pay Service will correct it by crediting your Account and ensuring payment reaches the correct Payee.

The Bill Pay Service reserves the right to select, at its sole discretion, the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment or a check payment.

You can cancel or edit any Scheduled Payment (including recurring ones) through the app. For shared Accounts, only the scheduler can cancel/edit a payment, but either co-owner may request a Stop Payment. There is no fee for cancellations, edits, or Stop Payments.

Once processing begins, payments can't be canceled or edited-only a Stop Payment may be requested. The ability to stop payment depends on the method used and whether a check has cleared. If the payment is already processed, contact Customer Service. While the Bill Pay Service will try to help, it isn't liable for unsuccessful stop requests or third-party charges. A written request may be required.

The Bill Pay Service does not allow payments to Payees outside the U.S. or its territories and must only be used for lawful payments. Tax and court-ordered payments are allowed but discouraged and done at your own risk. The Bill Pay Service is not liable for any issues with these payments, and its guarantee for late fees does not apply. You are solely responsible for resolving any errors with such payments. The Bill Pay Service may refuse to pay any Payee at its discretion and will notify you unless the payment is prohibited or an exception under this Agreement.

The Bill Pay Service, and its related documentation are provided "as is," without any warranties, express or implied, including but not limited to implied warranties of merchantability or fitness for a particular purpose. These Bill Pay Terms do not change your existing responsibilities or obligations with your Payees.

Los cargos aplicables se muestran en el sitio web o se establecen en las listas de cargos aplicables vigentes en cada momento. Las transacciones adicionales y otros servicios opcionales pueden tener un costo. You agree to pay such charges and authorize the Bill Pay Service to deduct the calculated amount from your Account for these amounts and any additional charges that may be incurred by you. Los cargos asociados a su Cuenta seguirán aplicándose.

The Bill Pay Service may change these Bill Pay Terms, fees, or charges at any time and will notify you in accordance with this Agreement. Continued use of the Bill Pay Service after notice means you accept the changes. The Bill Pay Service may also update its applications or materials, making older versions obsolete, and may limit access to the latest versions only.

You may cancel the Bill Pay Service online or by contacting customer service. Payments already processed before cancellation will be completed, but all future Scheduled Payments, including recurring ones, will stop. The Bill Pay Service may suspend or terminate your access at any time, especially in cases of abuse or commercial use. Termination does not affect your existing obligations under this Agreement.

Para agilizar el procesamiento de los cheques, la ley federal permite a los bancos reemplazar los cheques originales por "cheques sustitutos". Estos cheques son similares en tamaño a los cheques originales pero la imagen del frente y dorso es un poco más pequeña que la del cheque original. En el frente de un cheque sustituto se lee: "Esta es una copia legal de su cheque. Puede usarlo de la misma manera en la que usaría su cheque original". Puede usar un cheque sustituto como promesa de pago, al igual que usaría el cheque original.

En caso de recibir uno de nuestros cheques, debe saber que algunos o todos los cheques que reciba serán cheques sustitutos. Este aviso describe sus derechos en caso de recibir cheques sustitutos de nuestra parte. Los derechos en este aviso no se aplican a cheques originales ni débitos electrónicos a su cuenta. Sin embargo, tiene derechos de acuerdo con otras leyes en relación con esas transacciones.

n certain cases, Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your Account (for example, if you think that we withdrew the wrong amount from your Account or that we withdrew money from your Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your Account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

Conforme este procedimiento, el monto de su reembolso se limita al monto de su pérdida o al monto de su cheque sustituto, lo que sea menor. You also are entitled to interest on the amount of your refund if your Account is an interest-bearing account. Si su pérdida excede al monto del cheque sustituto, puede recuperar montos adicionales de acuerdo con otras leyes.

If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your Account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your Account earns interest) not later than 45 calendar days after we received your claim.

We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your Account.

If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your Account, please contact us at: (866)-686-9358 (inside the US) or (414)-751-6700 (outside the US).

You must contact us within forty (40) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the Account statement showing that the substitute check was posted to your Account, whichever is later. En caso de que, por motivos extraordinarios, usted no pueda presentar una queja en tiempo y forma, extenderemos este plazo.

Your claim must include

• A description of why you have suffered a loss (for example, you think the amount withdrawn wasincorrect);
• Un cálculo estimado del monto de su pérdida;
• An explanation of why the substitute check you received is insufficient to confirm that yousuffered a loss; and
• A copy of the substitute check and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

These Mobile Check Deposit Terms and Conditions ("Mobile Deposit Terms") shall be an amendment to and a part of the Agreement and shall apply to any use of mobile check deposit service (the "Mobile Deposit Service"). By using the Mobile Deposit Service, you agree to be bound by these Mobile Deposit Terms.

Definiciones

• “Capture Device” means a device the meets the following requirements: (i) Apple® iPhone® iOS 15.0 or later or Android® Version 5.0 or later; (ii) powered by a cellular service provider; (iii) has at least a 3.2-megapixel rear-facing camera; and (iv) has a cellular or wi-fi data connection.
• "Check 21" hace referencia a la ley Check Clearing for the 21st Century Act.
• "Imagen" hace referencia a la imagen electrónica del frente y dorso de un Instrumento, además de otra información necesaria, según lo especifiquemos, y en un formato específico.
• "Documento de sustitución de imagen" o "IRD" hace referencia a un cheque sustituto, según lo definido en la Check 21.
• "Item" means any original check, cashier's check, official check, U.S. Treasury check, or any other payment instrument, drawn on a financial institution within the United States and payable in U.S. currency that is payable to you. Items are deemed to be "Items" under the Uniform Commercial Code. Item(s) deposited through mobile check deposit are not considered "checks" under The Expedited Funds Availability Act or Regulation CC for funds availability purposes.

Pursuant to these Mobile Deposit Terms, you may use the Mobile Deposit Service to deposit Items to your Account by creating an Image of the Item using a Capture Device  and transmitting that Image to us for deposit. Solo puede transmitirnos Imágenes desde un Dispositivo de captura ubicado dentro de los Estados Unidos.

You are responsible for obtaining, maintaining, and securing an approved Capture Device at your own expense, including any internet or phone charges. El proveedor puede aplicar tarifas de datos.

Only authorized devices may be used to transmit images, and we may reject transmissions from unapproved devices. You must ensure only authorized users access the device and implement proper internal security controls. We may require additional controls and will inform you of any updates. You are also responsible for maintaining the necessary system capacity and connectivity for using the Mobile Deposit Service.

You are responsible for ensuring the image quality of all items you transmit. Images must be clear and legible. Any image that doesn't meet these standards may be rejected. It's your duty to check if an image was rejected. Each image must show the front and back of the check and clearly display all required details, including the endorsement: "For remote deposit"

Usted nos autoriza a procesar cualquier Imagen que nos envíe o a convertir una Imagen en un Documento de sustitución de imagen. Nos autoriza a utilizar la Imagen o el IRD.

There are daily limits on the dollar amount of check deposits that you may make through the Mobile Deposit Service. Limits may be disclosed in the App. Limits are set for security reasons and not all limits may be disclosed for that reason. Si intenta iniciar un depósito que supere estos límites, podremos, según nuestro criterio, rechazar sus depósitos hasta que estos dejen de exceder sus límites. Si le permitimos realizar un depósito que supere estos límites, dicho depósito seguirá estando sujeto a estos términos y condiciones, y no estaremos obligados a permitir un depósito de este tipo en otras ocasiones. In order to use the Mobile Deposit Service your account must be active, and your identity verified.

You agree not to use the Mobile Deposit Service to deposit items that don’t meet the definition of an Item. Non-qualifying deposits may be rejected without notice.

You are solely responsible for any Item for which you have been given provisional credit, and any such Item that is returned or rejected may be charged back to your Account even if doing so results in an overdraft on your Account. You acknowledge that all credits received for deposits made through the Mobile Deposit Service are provisional, subject to verification and final settlement. En caso de devolverle un Instrumento, lo haremos en formato de Imagen o IRD.

You agree not to deposit or present an Item more than once, by any method. Images already submitted through the Mobile Deposit Service or to any bank may not be transmitted again. Duplicate deposits may be rejected or charged back to your Account without notice at our discretion.

You're responsible for ensuring no duplicate transmissions occur. Retain each deposited Item for 30 days, then destroy or disable it to prevent further use.

Usted acepta colaborar con nosotros en investigaciones de transacciones inusuales, transmisiones de mala calidad y resolución de reclamaciones de clientes, incluso facilitándonos, a nuestra solicitud y sin costo adicional, los originales o las copias de Instrumentos que tenga en su poder o en sus registros en relación con Instrumentos y transmisiones.

How items are cleared and collected is determined in line with your Account's Terms and Conditions.

Images are not considered received until you get a confirmation message. This confirmation does not guarantee a complete or error-free transmission. We're not liable for images not received or dropped. We may reject any image at our discretion.

Mobile deposits are generally available on the 5th business day after we receive your deposit. We may make the first $275 available on the next business day based on factors like account history or relationship, but this is not guaranteed. Longer holds may apply if: 

• We believe the check may not be paid 

• A returned check is redeposited 

• You’ve frequently overdrawn your Account 

• There’s a system failure or emergency