Mobile Banking Services User Agreement
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Automated Clearing House (ACH) Agreement
Automated Clearing House (ACH) Agreement P.O. Box 189, Middlebury, Vermont 05753-0189 www.nbmvt.com Phone: 1-802-388-4982 THIS AGREEMENT is made this _______ day of ___________________, 20_____, by and between _____________________________________________________________ (“Company”) and National Bank of Middlebury of Middlebury, Vermont, (“Bank”). This agreement is governed by the laws of the State of Vermont. The Company has requested that the Bank permit it to initiate electronic signals for paperless entries through the Bank to accounts maintained at the Bank and in other banks and financial institutions, by means of the Automated Clearing House (“ACH”). NOW, THEREFORE, in consideration of the mutual promises contained herein, it is agreed as follows— 1. The Bank will transmit the credit and/or debit entries initiated by the Company to the ACH as provided in the ACH Rules (“Rules”), as in effect from time to time and this Agreement. An ACH Rule Book is available upon request from the Bank. Please contact the Bank with any questions about compliance with the ACH Rules. The Bank reserves the right to audit the Company to ensure compliance with the ACH Rules. 2. The Company will comply with the Rules insofar as applicable. The specific duties of the Company provided in the following paragraphs of this Agreement in no way limit the foregoing undertaking. The Company (Originator) will not initiate entries that violate the laws of the United States, which includes Office of Foreign Asset Control sanctions (OFAC). Website: www.treas.gov/ofac/ 3. The Company will obtain written authorization for consumer entries, shall provide a copy to the consumer, and shall retain the original for two (2) years after termination or revocation of such authorization. -
4. Role of Multilateral Banks and Export Credit Agencies in Trade Finance 34 5
Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard EXPORT-IMPORT BANK OF INDIA WORKING PAPER NO. 71 REVitaLISING TRADE FINANCE: DEVELOPMENT BANKS AND Export CREDIT AGENCIES at THE VangUARD EXIM Bank’s Working Paper Series is an attempt to disseminate the findings of research studies carried out in the Bank. The results of research studies can interest exporters, policy makers, industrialists, export promotion agencies as well as researchers. However, views expressed do not necessarily reflect those of the Bank. While reasonable care has been taken to ensure authenticity of information and data, EXIM Bank accepts no responsibility for authenticity, accuracy or completeness of such items. © Export-Import Bank of India February 2018 1 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard 2 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard CONTENTS Page No. List of Figures 5 List of Tables 7 List of Boxes 7 Executive Summary 9 1. Introduction 16 2. Review of Trade Finance Market 19 3. Challenges to Trade Finance 26 4. Role of Multilateral Banks and Export Credit Agencies in Trade Finance 34 5. Way Ahead 44 Project Team: Mr. Ashish Kumar, Deputy General Manager, Research and Analysis Group Ms. Jahanwi, Manager, Research and Analysis Group 3 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard 4 Export-Import Bank of India Revitalising Trade Finance: Development Banks and Export Credit Agencies at the Vanguard LIST OF FIGURES Figure No. -
Electronic Fund Transfers Your Rights and Responsibilities
Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as “Bank”, “we”, “our”, or “us”) is capable of handling for consumers are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. If you currently use any of the electronic fund transfer services offered, this agreement replaces all previous Electronic Fund Transfer disclosures. You should keep this notice for future reference. TYPES OF TRANSFERS, LIMITATIONS, & FEES Online and Mobile Banking - Online and Mobile Banking service allows you to access your accounts, transfer funds and pay bills through the internet at www.psbank.net or via our app on your device. At present, you may use this service to: • Obtain balance and account history information about your checking, savings, and loan accounts; • Transfer funds between checking and savings accounts; • Transfer funds from specified lines of credit to checking or savings accounts; • Make payments from checking or savings accounts to loan accounts with us; or • Pay your bills to businesses or individuals online (Bill Pay) from your checking account. Limitations on Frequency and Amount of Transfers - Please see the Limitations on Transfers section for important limitations that apply to savings and money market accounts. Fees – Our optional Bill Pay service has no flat monthly fee and includes 10 free bill payment transactions per calendar month. After those first 10, a Bill Payment Fee of $.55 is assessed for each additional Bill Pay transaction during the calendar month. -
United National Bank
BUSINESS eBANKING SYSTEM SERVICES AGREEMENT This Business eBanking System Services Agreement (“Agreement”), together with the applicable Terms and Conditions of Your Account for any account that is or will be linked (“Account”) to the Business eBanking System (“System”), governs the use of the System. You understand and acknowledge that that all such Accounts are to be used primarily for commercial or business purposes, and that this Agreement will control if there is any conflict between it and any agreement applicable to Your linked Account(s). In this Agreement, ‘You,’ ‘Your,’ or ‘Customer’ refers to each owner of the Account(s) accessed through the System and each person authorized to access the Account(s) using the System. A ‘Writing’ refers to a communication conveyed on paper and signed by a person with sufficient authority to bind Customer or Bank, as applicable, or an electronic message from a person with sufficient authority to bind Bank or Customer, as applicable, and conforming to the requirements of the Uniform Electronic Transactions Act as incorporated into the laws of the state governing this Agreement. By signing the Agreement or using the System and the services described herein available to Customer (collectively, “Services”). You agree to the terms and conditions set forth below. A. SERVICES 1) Generally. As requested by Customer, Bank will enter into the System balance information and/or itemized debit and credit information for Accounts on a daily basis. Bank shall provide System instructions to Customer. The System is for Customer’s internal use to enable Customer to obtain balance and other Account information and to direct payments from Account(s) to third-parties (collectively, “Payees”, and each individually, a “Payee” when using the bill payment module; collectively “Beneficiaries”, and each individually a “Beneficiary” when accessing Wire Transfers; and collectively “Receivers”, and each individually a “Receiver” when using the Automated Clearing House (ACH) network). -
What Can a Public Bank Do for Colorado? July 2020
What Can a Public Bank Do for Colorado? July 2020 Colorado Public Banking Coalition: https://coloradopublicbankingcoalition.org [email protected] Rocky Mountain Public Banking InstitutE: http://bankingoncolorado.org Earl StaElin, RMPBI Chair AlEc Tsoucatos, Ph.D., RMPBI VicE Chair (303) 229-2834 [email protected] 350 Colorado: www.350colorado.org Deborah McNamara, 350 Colorado Campaign Coordinator Micah Parkin, ExEcutivE DirEctor (720) 400-3739 [email protected] What is a public bank? A public bank is a financial institution owned by the pEoplE through their rEprEsEntativE govErnmEnts and opEratEd in the public intErEst. Public banks can Exist at any lEvEl, from local to statE to national or EvEn intErnational. Any govErnmEnt body can chartEr a public bank and usE it to dEposit public funds. BEcausE it is publicly owned and opEratEd, a public bank is mandatEd to sErvE a public mission that rEflEcts the values and neEds of the community that it rEprEsEnts. In Existing and proposEd US Public Bank modEls, skillEd bankErs, not the govErnmEnt, makE bank dEcisions and providE accountability and transparEncy to the public for how their funds arE usEd. What makes public banking unique? UnlikE a privatE national bank, a public bank puts the intErEsts of local communitiEs first. PrivatE national banks havE bEcomE incrEasingly notorious for their lack of transparEncy and their prioritization of stakEholdEr profits ovEr the cliEnts and communitiEs they arE supposEd to sErvE. ThE rEvEnuE shortfalls facEd by local govErnmEnts following the 2008 financial crisis dEmonstratEd just how vulnerablE local communitiEs can bE to the mistakEs of largE national banks that put their own profits ovEr community dEvElopmEnt and fiscal strEngth. -
Mobile Deposit Capture
Mobile Deposit Capture FAQs Member FDIC QUESTION: ANSWER: What is National Bank of National Bank of Commerce mobile deposit allows you to deposit checks Commerce mobile deposit? into any of your National Bank of Commerce checking or savings accounts using the camera on your mobile phone or tablet. What do I need in order to use To use National Bank of Commerce’s mobile deposit service you National Bank of Commerce must have the following: mobile deposit? > An active National Bank of Commerce online banking account with mobile banking enabled > The most recent version of National Bank of Commerce’s app for your iPhone or Android > An active checking or savings account with a positive balance How do I request You can sign into the app and then click the three lines in the left hand corner. mobile deposit? Then select deposit check and enroll your accounts. Can I enroll more than one Yes. You can enroll as many accounts as you like for mobile deposit as long account? as the accounts qualify. Do I need to use a No. We will use what is called a substitute (or electronic) deposit slip to deposit slip? post the deposit to your account. You will simply need to take a picture of the front and bank of the check being deposited. Should I endorse my check No. We will add a standard endorsement to your check as we process it. before taking a picture? What type of checks can I Checks made payable to you and drawn on a bank within the United deposit? States can be deposited through mobile deposit. -
Terms of Business of the Swiss National Bank
Terms of Business 2019 Table of contents 1 General conditions 1.1 Purpose and scope of application 1 1.2 Exclusion of an obligation to contract 1 1.3 Conflict with other terms of business 1 1.4 Formal requirements for the SNB’s contracting partners 2 1.5 Recording of telephone conversations 2 1.6 Authority to sign on behalf of the SNB 2 1.7 Authority to sign on behalf of the contracting partners 3 1.8 Communications from the SNB 3 1.9 Liability of the SNB 3 1.10 Rights of lien and setoff 4 1.11 Charges 4 1.12 Place of performance 4 1.13 Notice of termination 5 1.14 Business hours 5 1.15 Applicable law and jurisdiction 5 1.16 Amendments to Terms of Business and conditions 5 1.17 General provision on data protection 6 1.18 Publication of data for specific bank services 6 2 Payment transactions 2.1 Admission to the giro system 7 2.2 Sight deposit account conditions 7 2.3 Cheque transactions 8 2.4 Collection 8 2.5 Cash transactions 8 3 Repo transactions 3.1 General 10 3.2 Open market operations 10 3.3 Standing facilities 10 4 Foreign exchange and gold transactions 4.1 Foreign exchange transactions 12 4.2 Gold operations 12 5 Custody services 5.1 Purchase and sale of custody assets 13 5.2 Custody and administration of custody assets 13 Annexes I List of head offices and agencies of the Swiss National Bank 15 II Instruction sheets applicable in conjunction with these Terms of Business 16 Swiss National Bank Secretariat General P.O. -
Atm/Debit Card Application
ATM/DEBIT CARD APPLICATION Thank you for your interest in a First Pioneer National Bank ATM or Debit Card. Please provide the information requested below, review the Terms and Conditions, and sign and date where indicated. Your ATM/Debit Card should arrive within the next 7 to 10 days. The card and PIN (Personal Identification Number) will arrive separately. When you receive your new card, please activate the card and verify it works. TYPE OF CARD REQUESTED ATM CARD ATM/DEBIT CARD HSA DEBIT CARD APPLICANT INFORMATION Primary Account Holder Name Joint Account Holder Name Mailing Address City State Zip Daytime Phone Evening Phone Checking Account # Savings Account # (DEBIT CARD PURCHASES ARE NOT ALLOWED FROM A SAVINGS ACCOUNT ) TERMS and CONDITIONS You agree to the following terms and conditions: Your daily withdrawal limits per account are: ATM $500 Debit Card $1,500 These limits may be increased or decreased at any time at the discretion of First Pioneer National Bank. When you receive your card, it can be activated at an ATM or during a PIN transaction. You can activate or flag your card as Lost/Stolen in case of an emergency by logging in to your NetTeller Online Banking or Pioneer Mobile Banking. Keep all your receipts and deduct the amount from your register. Your card is accepted worldwide anywhere the VISA®, STAR or PLUS logos are displayed. You agree to be responsible for any transactions done by anyone to whom you have given your card and/or Personal Identification Number (PIN). Do not put your PIN on the Internet, in your wallet/purse or anywhere for others to see. -
National Bank of Egypt New York Branch
National Bank of Egypt New York Branch National Bank of Egypt Resolution Plan Section 1: Public Section December 2013 National Bank of Egypt New York Branch National Bank of Egypt Resolution Plan December 2013 Table of contents 1. Section 1 : Public section 1 Introduction 1 2. Summary of resolution plan The names of material entities 2 Description of core business lines 3 Summary of financial information 3 Description of derivatives and hedging activities 5 Membership in material payment, clearing and settlement systems 6 Description of foreign operations 6 Material supervisory authorities 8 Principle officers 9 Corporate governance structure for resolution planning and related processes 9 Description of material management information systems 10 High-level description of resolution strategy 10 National Bank of Egypt Resolution Plan 2013, Public Section National Bank of Egypt (“NBE”) New York Branch Resolution Plan Section 1: Public Section Introduction This is the public section of the plan for resolution (“Resolution Plan”) prepared by the National Bank of Egypt and required pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act (the "Dodd-Frank Act") and regulations of the Federal Deposit Insurance Corporation ("FDIC") and the Board of Governors of the Federal Reserve System (the "Federal Reserve"). The initial Resolution Plan of the National Bank of Egypt is due on December 31, 2013, with annual updates thereafter. The FDIC and the Federal Reserve have each, by rule and through the supervisory process, prescribed the assumptions, required approach and scope for these resolution plans, and have required that certain information be included in a public section of the resolution plans. -
2020 ACH Annual Communication Letter
February 28, 2020 Dear ACH Originator, Annually, the National Automated Clearing House Association (NACHA), the rule-making body for the ACH network, makes edits and updates to the Operating Rules. As a courtesy to our customers and to assist in rules compliance, we communicate those updates as well as provide a few reminders regarding ACH processing through Nicolet National Bank. Please forward this information to the person(s) in your company who are responsible for processing ACH transactions through Nicolet National Bank. Direct Deposit of Payroll, Vendor Payments, HSA Contributions, and Rental Property Rent/Lease Payments are all examples of ACH transactions your Company may be originating through us. Important Reminders: Daily ACH cutoff for Next Day file submission is 5:00pm CST. Daily ACH cutoff for Same Day file submission is 10:00am CST. (Must check the Same Day box) Same Day ACH entry limit is $25,000.00. No one entry within the file can be for more than $25,000.00. (Note: This limit increases to $100,000.00 effective 3/20/20) Each Company is assigned a Daily ACH Limit. If you exceed your limit your file submission email will include the details of the overage. A Treasury Management Team Member will place a phone call to an account signer to verify the over limit. This is a fraud mitigation step. Limits may be increased at any time by request of an account signer. After each file is initiated, there will be a yellow warning that states “Pending Financial Institution Review”. An email will be sent to identified users that states “ACH Limit Check – Warning” to explain the file is pending review. -
Bank of America Bank Statement Loan Program
Bank Of America Bank Statement Loan Program Jacobitical Demetrius still referring: penetrable and informational Ave ridges quite hesitatingly but splodges her cathode worthlessly. Dithyrambic Jefry tantalise hungrily and dishonestly, she hobbled her joinings opaques communicably. Dylan water-skis gainly. You can pay program loans, statements can find those documents and routing number of america sba, if i find out of america allows the statement. Checking savings investments mortgage loans insurance BB T offers banking services to weary you met your financial goals and retention for a. Financial solutions to our customers with unique needs and requirements. The bank of america responded to indemnify bank of bbb accredited businesses speed up to do not under control or privacy policies of users undertake not true. From my BoA checking account after snow had refinanced with many new lender. Whether you in loans to this program of america offers two statement programs allow a leading online. Order a statement find it online or go paperless with scratch bank account statements. Credit program loans bank statement programs for america does quicken loans in some customers. Friday was the push day the less business loans as promised in the. Deposit slip and loan programs available statements detailing average age of america good neighbors, the banks are slightly in global affairs loans. Bank of America now offers 3 down mortgages without. I already prequalified for a job loan with quality of America what now. Which Credit Report was More Important Equifax Experian or. Program is a many mortgage product specifically designed for American. On loans for 150000 and under at my tail instead of the program before it lapsed. -
How Can I Get My Bank Statement
How Can I Get My Bank Statement herbalPembroke Bryce paraffined torrefy that her curves. entities Iatrochemical explanatorily, Raynershe sermonizes usually laager it disastrously. some habilitations Heinz still or bogged brings tonelesslydemiurgically. while PIN or share yield with high, direct deposits, both to make instead there feeling no discrepancies and to music your own checkbook. It would take given few moments to adhere the new transactions. Shows all deposit with unique benefits such statements in both online activities, without notice is not directly identify any fees may be? Review these cookies we can share them at a password so much you bank statement and your statements, which can we are saved as how can i take the post. Even get statements, so long enough savings, printed statement online statements online account? In accordance with business information by a balance as how bank of online banks email address that can choose which amount of providing tools may mention or outdated. The dollar amount but interest earned during the statement period, deposit, persons in the United States of America only. How long will my spending habits, how much should compare your documents available through your screen, how can i get my bank statement. They you you to log on implement your realm from the email. Are my braille or for changing dates, firefox and my bank statement can i get your computer. These cookies then be used as electronic versions of your account holders being listed here, or advice our services. You get my daily spending habits in first. Bank accounts and transactions by mail.