You agree to comply with any additional instructions We may provide to You in connection with returned Checks. Mobile Check Deposit is available around the clock. As soon as you see the deposit in your account transactions, you can use it. You must notify Us immediately if You learn of any loss or theft of original Checks. If you "Continue", the link will open a new email message in your default email program. Deposit accounts must be in good standing. For example, the checks must be payable to you . Example: My available balance is $100. 6. Reason: The item has already been deposited. 5. 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. Central Bank Mobile Deposit, a feature within Mobile Banking, offers that kind of ease, convenience and simplicity of use. Be sure to keep a steady hand and make sure all four corners of the check are in the picture frame. We and You intend that the Act apply to the fullest extent possible. local, electronic storage capacity to retain the Agreements and Notices and/or printer to print them; a valid email account and software to access it; an up-to-date device or devices (e.g., computer, smartphone, tablet, etc.) 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. 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. The first $100 of an ATM check deposit will be available on the same business day. Funds from those deposits will be available as set forth herein. Certain restrictions apply. 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. You will be linking to another website not owned or operated by The Bank of Missouri. “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 agree to indemnify and hold harmless Us or any of Our personnel, from and against any loss, cost, claim, liability, damage, or expense (including reasonable attorneys' fees) to Us and to third parties, relating to or arising from the use of the Mobile Check Deposit Service, whether or not You have knowledge of or have authorized such access or use, including, without limitation, claims for negligence, forgery access through Carriers or tortious behavior to the extent that the law allows. We shall have no obligation to disclose arrangements with third parties to You or obtain Your consent thereto. I deposit a non-Santander check for $500 on Monday. It is also referred to as Regulation CC or Reg CC, after the Federal Reserve regulation that implements the act. Save time and hassle by depositing checks as soon as you get them, from anywhere. How it Works. If this information must be stated, please contact The Bank of Missouri by phone or at your nearest branch. Ex. You must also agree to receive all changes in the terms of the Mobile Deposit Schedule and BOM Online Banking Agreement electronically. If the Check is ambiguous, We will return the Check as an exception. 1 Deposits include direct deposit, mobile deposit, ATM deposit or in branch deposit of any amount. We may disclose Your information to third parties that market products and services jointly with Us and for this use We will give You an option to opt out. g) Check Requirements (including image quality). of digital banking tools, mobile deposits are completely free. You get faster access to your funds without a trip to the bank. To find out when your deposits are available for use, please refer to TD Bank’s Funds Availability Policy, which can be found in the following: Personal Deposit Account Agreement. Other account types have higher limits – see the Business and Personal Deposit Account Contract for details. Transactions transmitted by a mobile banking/remote deposit capture customer will be generally available on the second business day after the Banking Day of your deposit. You can update information by contacting Us at 888-547-6541. Step 1. Connectivity and usage rates may apply. Funds Availability Policy. b) Termination. a) Use. Funds will generally be available on the next business day after the day of your deposit. We shall establish and assign deposit limits for the Service (including limits on the dollar amount and/or number of Checks that You may transmit through the Service each day) and may modify such limits from time to time in Our sole discretion, and You agree to comply with all such limits. Mobile Banking is convenient, easy, secure and banking when you need it. 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. On the next business day (Tuesday), a bill payment goes out for $400. 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. An Unavailable Funds Fee is typically assessed when a transaction posts to an account without enough funds to cover it, and the funds from a deposit are not yet available due to standard availability.. If warranted in Our reasonable judgment, We may audit and monitor You, and You agree to cooperate with Us to permit such monitoring, to confirm that You have satisfied Your obligations under this Agreement. All you need is an iPhone, iPad, or Android device with the latest version of The Bank of Missouri Mobile app. Please read this Electronic Notice and Consent Agreement carefully and print or download a copy for Your records. 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. Checks received by us after the Cutoff Time or on a day that is not a business Day will be processed and deposited on the next Business Day. Such deposits made on a non-Business Day or after this cut-off time will be considered made on the next Business Day that we are open. 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”). If You prefer to receive paper Notices, You have the right to withdraw Your consent, in which case We will cancel Your Online and Mobile Banking access. (“Security Procedures”) You agree that any such mutually agreed-upon Security Procedures shall be deemed commercially reasonable. Step 2. You agree that We may debit from Your Account the aggregate amount of any Checks that are deposited more than once. Have questions about funds availability when using Mobile Deposits? Funds Availability Disclosure. The Bank of Missouri may choose to delay availability of funds from any deposits made through Mobile Check Deposit at any time at our sole discretion. The place of deposit shall be Our main bank in Perryville, Missouri. Smart phones have become part of our lives in this busy world. You shall be solely responsible for the safekeeping of such security devices and assume all risk of accidental disclosure or inadvertent use of such security devices by any party whatsoever, whether such disclosure or use in on account of Your negligence or deliberate acts or otherwise. Continued Enrollment in Online Banking requires acceptance of Electronic Notices. We may transfer or assign the Agreements without Your consent, although We will make every effort to notify You of the transfer. Exceptions to these limits are subject to Our approval. ET on a business day will be available the next day at no charge. We reserve the right to reject any Check or item deposited through the Service. “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. 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. (“Cutoff Time”). You can even enroll right within the app. The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that protects the funds depositors place in banks and savings associations. 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