Service agreement updates to Online and Mobile Banking

Service agreement updates to Online and Mobile Banking

Updates to our Online and Mobile Banking Service Agreements 

When you enrolled in online or mobile banking, you reviewed and accepted an Online and Mobile Banking Service Agreement which governs your use of our online and mobile services. We recently updated our Online and Mobile Banking Service Agreements. You can reference the Online and Mobile Banking Service Agreements using these links:

What does that mean for me?

If you agree with these updates, you don’t need to do a thing. You can continue banking as usual. Continuing to use our online and mobile banking services after the effective date of the changes means you accept these updates. 

What’s changed? 

We know these documents can be lengthy, so we’ve highlighted the sections where relevant updates were made and provided a summary of key changes below. 

Summary of Changes to the Online and Mobile Banking Service Agreement

Effective as of 09/17/2026

Key changes to the agreement include:

  • Updated Sections 4(p) (Bill Pay Service), 9(h) (Truist Paze Standard Terms), 10(b) (Mobile Check Deposit), 11(c) (Truist SMS Banking Program Terms and Conditions), 13(e) (Additional Services), and 18(f) (General) to provide a standardized 30-day advance notice period for changes to this agreement
  • Updated Section 4(dd) (Bill Pay Service) to clarify treatment of future-dated instant payments when an account or online banking profile is closed
  • Updated Section 5(a) (Internal Transfers) to reflect current cutoff times for Direct Connect internal funds transfers and payments to Truist Mortgage Accounts
  • Updated Section 11 (Truist SMS Banking Program Terms and Conditions) to rename the program, update short codes, remove the Text Banking provision, and clarify the opt-in process
  • Updated Section 13 (Planning & Aggregation Services) to clarify the availability of optional tools and features to support personal financial management
  • Updated Section 17 (Fees) for consistency with existing fee notification practices with no change to current practices 

Summary of Changes to the Online and Mobile Banking Service Agreement

Effective as of 09/17/2026

Key changes to the agreement include:

  • Updated Sections 4(p) (Bill Pay Service), 12 (Mobile Check Deposit), 13(c) (Truist SMS Banking Program Terms and Conditions), 14(h) (Additional Services), and 19(f) (General) to provide a standardized 30-day advance notice period for changes to this agreement
  • Updated Section 4(dd) (Bill Pay Service) to indicate that future-scheduled payments remain subject to the availability and status of funding account and OLB profile
  • Updated Section 5 (Internal Transfers) to reflect current cutoff times for Direct Connect internal funds transfers and Payments to Truist Mortgage Accounts.
  • Updated Section 13 (Truist SMS Banking Program Terms and Conditions) to rename the program, update short codes, remove the Text Banking provision, and clarify the opt-in process
  • Updated Section 14 (i) (Additional Services – Planning & Aggregation Services) to clarify the availability of optional tools and features to support personal financial management
  • Updated Section 14(k) (Additional Services – Multiple User Access) to alert that Users granted access to Bill Pay may view all associated accounts
  • Updated Section 18 (Fees) for consistency with existing fee notification practices with no change to current practices 
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New York City residents:

Translation or other language access services may be available. When calling our office regarding collection activity, if you speak a language other than English and need verbal translation services, be sure to inform the representative. A description and translation of commonly-used debt collection terms is available in multiple languages at http://www.nyc.gov/dca.

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