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. Mobile Banking. You acknowledge and agree that You consent to receive this Mobile Deposit Schedule and Notices in electronic form in connection with a transaction affecting interstate commerce and that this Consent, the Agreements and Notices are subject to the federal Electronic Signatures in Global and National Commerce (the “Act”). We encourage you to review their privacy and security policies which may differ from The Bank of Missouri. Other account types have higher limits – see the Business and Personal Deposit Account Contract for details. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. Federal regulations dictate how long banks can hold checks before making the funds available—and it isn’t very long. We shall not be liable for any loss or damage resulting from fraudulent, unauthorized or otherwise improper use of any security devices. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by You will be Your responsibility. d) Availability. Items transmitted using the Deposit Services are subject to our Funds Availability Policy. You will be linking to another website not owned or operated by The Bank of Missouri. 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. e) Notice of Errors. First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri. We may transfer or assign the Agreements without Your consent, although We will make every effort to notify You of the transfer. Take a photo of the front and back of your signed check . 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. Because there is a risk information transmitted via Internet email could fall into the wrong hands, The Bank of Missouri suggests confidential information, such as account numbers or social security numbers, not be transmitted via email. The Check may be rejected as unreadable even if the Mobile Check Deposit Service transmits the image. It contains important information about Your legal rights and responsibilities and Our legal rights and responsibilities. The Mobile Check Deposit Service will be available twenty-four (24) hours a day, seven (7) days a week, subject to temporary interruptions for scheduled maintenance or system unavailability beyond Our control. 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. Once the deposit has posted to your account, you can go to accounts and select the account you deposited to, then click on the deposit transaction. The Expedited Funds Availability Act (EFA or EFAA) was enacted in 1987 by the United States Congress for the purpose of standardizing hold periods on deposits made to commercial banks and to regulate institutions' use of deposit holds. How it Works. h) Data Security. 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. If you "Continue", the link will open a new email message in your default email program. $10 monthly service charge is also waived if any owner of the account is under age 25. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. Mobile deposits may be rejected for any of the following reasons: The software could not easily read the check Retake the picture. 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. The rest of the deposit should generally be available on the second business day. Checks made payable to You or any reasonable derivation thereof are acceptable for deposit. We are not responsible for advising You of the existence or potential effect of such malicious code, and Your use of Your hardware and software is at Your own risk. Resources FDIC Coverage. Mobile Banking. Your Ability to withdraw funds. The Mobile Check Deposit Service will be available twenty-four (24) hours a day, seven(7) days a week, subject to temporary interruptions for scheduled maintenance or system unavailability beyond Our control. Place the check on a solid dark background before taking the photo. Checks need to be payable to the account owner or any joint owner(s) and must be properly endorsed with: ***The daily and monthly limits have been temporarily increased from the usual limits shown below. You must notify Us immediately if You learn of any loss or theft of original Checks. View our Electronic Funds Transfer (EFT) Disclosure. Reason: The item has already been deposited. Funds are typically available within minutes 1: Unregistered Zelle recipient. You further agree that any image that We charge back may be in the form of an electronic or paper reproduction of the original Check or a Substitute Check. 4. If a deposit is made using Remote Deposit Capture or Mobile Deposit on or before 6:00 P.M. on a business day that we are open, we will consider that day to be the day of deposit. 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. Reason: The check exceeds the daily or monthly deposit limits. FUNDS AVAILABILITY DISCLOSURE. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch. However, we may delay availability if we require further review of the deposit. The Agreements and all Notices provided in electronic format from Us to You will be considered “in writing.” You should print a copy of the Agreements and all Notices or download them to Your desktop for Your records. Funds from deposits of cash, wire transfers, and the first $5,000 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 deposit if the deposit meets certain conditions. In the event of any inconsistency, the Agreements and theDesignated Account Agreement, the Designated Account Agreement will govern. You may terminate the Service at any time by contacting Us at (888) 547-6541. You will detail any discrepancies between any records maintained by You and any notice You receive from Us with respect to the service, and shall provide Us with any information We may reasonably request to respond to the notice. HOLDS ON OTHER FUNDS IN ANOTHER ACCOUNT Daily limit: Max of 5 checks and $500.00 total, Monthly (rolling 30 day period) limit: Max of 20 checks and $1,500.00 total, Daily limit: Max of 5 checks and $5,000.00 total, Monthly (rolling 30 day period) limit: Max of 60 checks and $25,000.00 total. b) Termination. 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. Be sure the check is lying as flat as possible and on a dark background. 3. Our performance of the Service is subject to the rules and regulations of any such system or organization. We may treat Your failure to provide Us with a valid e-mail address, or the malfunction of a previously valid e-mail address, as a withdrawal of Your consent to receive electronic Notices, at Our discretion. 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. Mobile Check Deposit Services. The Electronic Signatures and National Commerce Act (E-SIGN) is a federal law passed in 2000. Certain restrictions apply. That's it! Funds deposited using the Mobile Check Deposit Service will be subject to Our funds availability policy. To learn more about the mobile app, take a video tour of popular features and view details of ways you can easily bank on the go, visit our mobile app page. Deposits submitted before 11 PM Eastern time on a business day generally will be available by the next business day. By enrolling in the Service, You agree to make Your Designated Account accessible through the Mobile Check Deposit Service. We may change the terms of the Agreements at any time by notifying you in writing including electronically. You should obtain the privacy policies of such parties to determine the extent of their use of Your information. I deposit a non-Santander check for $500 on Monday. 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). Please see Our “Regulation CC Funds Availability Disclosure” for additional details. You shall implement such safeguards as are reasonably necessary to ensure the confidentiality and integrity of such security devices, and shall immediately notify Us if the confidentiality or integrity of any such security device is breached or threatened. Have questions about funds availability when using Mobile Deposits? Funds from deposits of cash, wire transfers, & 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. Fast, Secure, and Free. In most cases, our policy is to make funds available to you on the first business day after the day we receive your deposit. You must create an image of each Check that accurately represents all information on the front and back of the original Check. We shall have the right to correct the amount in the data field for any Check that has an incorrect amount to be consistent with the image of the Check. Federal Regulation CC offers a framework for banks to use when setting their funds availability … 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. 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 how to use Mobile Check Deposit in The Bank of Missouri app. The eligibility requirements to access and use the Mobile Check Deposit Service are printed on the enrollment form. “Mobile Check Deposit Schedule” means this Schedule to The Bank of Missouri Online and Mobile Banking Access Agreement. 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. 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. a) Use. Electronic direct deposits will be available on the day we receive the deposit. “Mobile Check Deposit Service” means all information, web-based services, technological infrastructure and installed software on Your Mobile Device which allow You to remotely perform banking activities, including but not limited to, submitting Checks for deposit through the internet, as well as the check processing services to be performed by Us upon submission of Substitute Checks through the Mobile Check Deposit Service. 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. IMPORTANT INFORMATION. All you need is an iPhone, iPad, or Android device with the latest version of The Bank of Missouri Mobile app. I deposited a check. Deposit accounts must be in good standing. And you’re on to what’s next. On the next business day (Tuesday), a bill payment goes out for $400. Should any term or provision of the Agreements be deemed or held to be invalid or unenforceable, the remaining terms and provisions shall continue in full force and effect. If you make a deposit during regular business hours, we will consider that the day of your deposit. You must ensure the safety and integrity of original paper Checks from the time of receipt until the time of destruction. We will not impose a fee to process the withdrawal of Your consent. In the event that We credit your Account for a Check that is subsequently dishonored and returned, You authorize Us to debit the amount of such Check plus any associated fees from the Account. suitable for connecting to the Internet; and. With our standard funds availability, deposits completed before 10 p.m. Funds from electronic direct deposits will be available on the day we receive the deposit. You can deposit multiple checks in the same mobile banking session; however you can only submit one check per deposit at a time. Funds Availability Disclosure. A hold will be placed on your account for the amount of the transfer; once your recipient has registered with Zelle or a network bank, it may take up to 2 business days for the first transfer to be credited to the registered account. Step 3. Additionally, up to $400 of a deposit of local checks is available at 5pm and after on the 2nd business day after the deposit. Registered Zelle recipient. 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. Find answers to all of your questions using Mobile Check Deposit with the Bank of America Mobile Banking app. In the event of any inconsistency of the BOM Online Banking Agreement and the Mobile Check Deposit Schedule, the BOMOnline Banking Agreement will govern. MOBILE DEPOSIT FUNDS AVAILABILITY POLICY DISCLOSURE. It shall not be Our responsibility to examine Checks to verify any data or dates but We may do so at any time for any purpose. Sign the back of your check. After destruction of the original Check, the image will be the sole evidence of the original Check. We do not guarantee functionality of the Service on all wireless devices. You will be linking to another website not owned or operated by The Bank of Missouri. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. I deposit a non-Santander check for $500 on Monday. Funds will generally be available on the next business day after the day of your deposit. You agree that if You use the Mobile Check Deposit Service after notification of any change, You will be bound by such change. 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. Your Ability To Withdraw Funds . Reason: There is a discrepancy between the amount entered and the amount for which the check is written. Whenever the Security Procedures include assigning to You a confidential password, logon, identification credentials, identification code, person or location identification number, repetitive code, or similar security devices, You shall not disclose such security device except to agents authorized to act for You in connection with the Service. Once You have used the Service to deposit a Check, You agree not to present or allow anyone else to present that original Check or a Substitute Check of that original Check again for deposit through the Service or by any other means. Funds availability describes when you can access money you deposit into your bank account. 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. Any check drawn on institutions located within the United States that has a MICR line (these are the numbers printed in magnetic ink near the bottom of the front of your check). 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. You must complete each deposit promptly. For example, the checks must be payable to you . 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. 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. The place of deposit shall be Our main bank in Perryville, Missouri. Commerce Bank P.O. Your bank, in the palm of your hand. Solution: Retake the picture. We reserve the right, in Our sole discretion, to discontinue provision of electronic Notices. “Mobile Device" means any device equipped with the capability to meet the specifications required to access the Services and transmit data in electronic form to the Bank’s system. You shall promptly notify Us in writing (no later than 60 days after We sent the first statement on which the problem or error appeared) of any error in connection with the Service. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. We may disclose Your information to Our family of companies that they may use for marketing purposes. d) Security Procedures. Our general policy is to make funds from your deposit available to you on the first Business Day after the day we receive your deposit. e) Processing. Example: My available balance is $100. (“Notices”). Central Bank Mobile Deposit, a feature within Mobile Banking, offers that kind of ease, convenience and simplicity of use. 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. Check account balances; Transfer funds safely; View account transaction history; Bill Pay; Mobile Deposit We shall not be obligated to act on a communication not transmitted in accordance with the Security Procedures and may refuse to act on any communication when We doubt its authorization, contents, origination or compliance with the Security Procedures in Our reasonable judgment. 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. Step 1. When will my funds be available / released from the hold? PURPOSE OF THIS DISCLOSURE The information here describes our policy of holding deposited items in a transaction account before funds are made available to you for withdrawal. If You have not executed a BOM Online Banking Agreement, then You will do so prior to receiving the banking service detailed herein. f) Fees. a) This Mobile Check Deposit Schedule, the BOM Online Banking Agreement and the Designated Account Agreement represent the complete and exclusive statement of Your rights to access and use the Mobile Check Deposit Service. If you deposit a check on Monday morning at 8 am, it will be available for use on Tuesday. Funds may not be immediately available. Mobile Deposit Capture. Check account balances; Transfer funds safely; View account transaction history; Bill Pay; Mobile Deposit Call toll free at 1-888-547-6541 or 573-874-4900, Address: 906 N. Kingshighway, Perryville, MO 63775. If you "Continue", the link will open a new email message in your default email program. Assuming you deposited before end of the business day on Friday, Monday is the next business day. 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. Once the form is received by Us, We will verify that You have fulfilled the eligibility requirements. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. 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. Capitalized terms not defined in this Mobile Deposit Schedule have the meaning provided in the BOM Online Banking Agreement. 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. You will need to have a Bank of Missouri deposit account, Online Banking, and Mobile Banking to use Mobile Check Deposit. The bank does have the right to extend the hold if Mobile Banking is convenient, easy, secure and banking when you need it. You understand and agree that since the original Check is Your property, it will not be returned and We may charge back an image of the Check, an ACH debit, or other electronic or paper debit, as applicable, to Your Account. The first $100 of an ATM check deposit will be available on the same business day. We may engage third parties to provide Service. First Choice Insurance Agency, Inc is a wholly owned subsidiary of Reliable Community Bancshares, Inc., parent company of The Bank of Missouri. The information here describes our policy of holding deposited items in an account before funds are made available to you for withdrawal. 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. Step 2. of digital banking tools, mobile deposits are completely free. Save time and hassle by depositing checks as soon as you get them, from anywhere. You may not assign or transfer the Agreements without Our written consent. The Bank of Missouri is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. ***The daily and monthly limits have been temporarily increased from the usual limits shown below. 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. Mobile Banking is convenient, easy, secure and banking when you need it. Be sure to keep a steady hand and make sure all four corners of the check are in the picture frame. Solution: Verify the amount written on the check matches the amount you entered. For determining the availability of your deposit, every day is a business day, except Saturday, Sunday, and federal holidays. d) Except as provided herein, no waiver, modification of amendment of any provision shall be effective against Us unless it is in writing and signed by an authorized official of The Bank of Missouri. If the Check is ambiguous, We will return the Check as an exception. This is our Funds Availability Policy. b) Verification of Deposits.You are solely responsible for verifying that Checks that You deposit by using the Service have been received and accepted for deposit by Us. 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. 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