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 to account for new features and products, enhancements to your digital experience, and amended provisions regarding dispute resolution. You can reference the updated Online and Mobile Banking Agreements using these links, Personal Banking and Business Banking.

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 and page numbers where material and important updates were made.  

Summary of Changes to the Online and Mobile Banking Service Agreement

Effective as of 12/30/22

  • Changes to Section 1 “Introduction” 
    • The following paragraph was added to page 4 of the updated Agreement: 
      “PLEASE NOTE THERE IS A MUTUAL ARBITRATION AGREEMENT BEGINNING ON PAGE 43 OF THIS AGREEMENT. PLEASE READ THIS PROVISION CAREFULLY BECAUSE IT HAS A SUBSTANTIAL IMPACT ON HOW DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED”
  • Changes to Section 2 “Definitions” 
    • Additional language was added to the definitions of the following defined terms on pages 4-5 of the updated Agreement: 
      • “Account(s)”  
      • “Account agreement(s)” 
      • "Applicable law”
      • “Services”
  • Changes to Section 7 “Send Money with ZELLE” 
    • Revisions were made to subsection (b) “Eligibility and User Profile” on pages 20-21 of the updated Agreement
    • Additional language was added to the end of subsection (f) “Enrolling in the Service” on page 22 of the updated Agreement
    • Revisions were made to subsection (s) “Disclaimer of Warranties” on page 26 of the updated Agreement  
    • Revisions were made to subsection (w) “Miscellaneous” on page 27 of the 
  • Changes to Section 16 “General”
    • Revisions were made to subsection (m) “Mutual Arbitration Agreement” on pages 43-47
    • Additional subsection (n) “Jury Trial Waiver” was added on page 47
    • Additional subsection (o) “Litigation Class Action Waiver” was added on page 47 

Summary of Changes to the Online and Mobile Business Banking Service Agreement

Effective as of 12/9/22

  • Changes to Section 1 “Introduction”
    • The following paragraph was added to page 5 of the updated Agreement:
      “PLEASE NOTE THERE IS A MUTUAL ARBITRATION AGREEMENT BEGINNING ON PAGE 57 OF THIS AGREEMENT. PLEASE READ THIS PROVISION CAREFULLY BECAUSE IT HAS A SUBSTANTIAL IMPACT ON HOW DISPUTES AND CLAIMS YOU AND WE HAVE AGAINST EACH OTHER ARE RESOLVED”
  • Changes to the Section 2 “Definitions”
    • Additional language was added to the definitions of the following defined terms on pages 5-6 of the updated Agreement:
      • “Account(s)”
      • “Account agreement(s)”
      • “Applicable law"
      • “Mobile Banking"
      • “Services”
  • Changes to Section 10 “Liability Provisions Applicable to Non-Consumer Accounts”
    • New subsection (b) “Duty to Safeguard Account” was inserted on pages 24-25 of the updated Agreement; existing/subsequent subsections were moved down one subsection letter
    • Additional language was added in the second paragraph of subsection (d) “Duty of Care” on page 25 of the updated Agreement
    • New subsections (f) “Duty to Cooperate” and (g) “Duty of Insurance” were added on pages 25-26 of the updated Agreement; existing/subsequent subsections were moved down two subsection letters
    • Additional language was added to the end of subsection (h) “Limitation of Liability” on page 26 of the updated Agreement
    • New subsections (i) “Facsimile Signature”; (j) “Bookkeepers”; and, (k) “Commercial Funds Transfers” were added on pages 26-27 of the updated Agreement; existing/subsequent subsection was moved down one subsection letter
  • Changes to Section 11 “Send Money with ZELLE”
    • Revisions were made to subsection (b) “Eligibility and User Profile” on pages 28-29 of the updated Agreement
    • Additional language was added to the end of subsection (f) “Enrolling in the Service” on page 30 of the updated Agreement
    • Revisions were made to subsection (s) “Disclaimer of Warranties” on page 34 of the updated Agreement
    • Revisions were made to subsection (w) “Miscellaneous” on pages 34-35 of the updated Agreement
  • Changes to Section 14 “Additional Services”
    • New subsection (j) “Commercial Loan Dashboard” was added on page 53 of the updated Agreement; existing/subsequent subsections were moved down one subsection letter
    • Revisions were made to subsection (m) “Mutual Arbitration Agreement” on pages 57-62 of the updated Agreement
    • New subsections (n) “Jury Trial Waiver” and (o) Litigation Class Action Waiver” were added on page 62 of the updated Agreement