The Commercial & Savings Bank reserves the right to not make certain types of comments, posts, and information public within our social media. We may remove, hide, or delete any posts that violate our guidelines or terms and conditions.
IDENTIFICATION NUMBER AND PASSWORD
To access CSB’s Online Banking service, you must use the identification number and/or other means of access CSB establishes or provides for your CSB Online Banking Account, together with a password. Anyone to whom you give your CSB Online Banking identification number and password or other means of access will have full access to your accounts, even if you attempt to limit that person’s authority. CSB Business Online Banking allows businesses to appoint an Administrator for their CSB Business Online Banking account. The Administrator has full access to the accounts requested by the business to be viewable through CSB Business Online Banking. The Administrator is authorized to give access and authority levels to other users of the business according to the individual business’ policies.
ONLINE FUNDING ACCOUNT
You must be an owner or authorized signer on an account to access it through your CSB Online Banking. Accounts that require more than one signature for withdrawals will be displayed to view only; no transfer “from” capabilities will be allowed for these accounts. Accounts for organizations, associations, clubs, businesses (except in DBA cases), public funds and other such entities are not permitted to be commingled with personal accounts of the officers or agents.
ONLINE BANKING TRANSACTIONS
You, or someone you have authorized by giving them your CSB Online Banking identification number and password or other means of access (even if that person exceeds your authority), may instruct us to perform the following transactions:
- Make transfers between your qualifying accounts to the extent authorized;
- Obtain information that we make available about your qualifying accounts;
- Obtain other services or perform other transactions that CSB authorizes
- Create a payment to any business or person through the Online BillPay portion of CSB Online Banking; and
- CSB Business Online Banking ID and Password can allow access to ACH, Wires, Positive Pay and Remote Deposit Capture.
LIMITS ON ONLINE BANKING TRANSACTIONS
You must have enough available funds in any account from which you instruct us to make a payment or transfer. If any of your designated accounts are savings accounts, certain restrictions on the types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for savings accounts is the monthly statement period. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone agreement. You also agree to the “Terms & Conditions of Your Deposit Account” that you received when you opened your deposit account. You may request another copy of the “Terms and Conditions of Your Deposit Account” at any time. CSB Business Online Banking customers will also have limits on the total daily amount allowed to be processed through Wires and ACH on a daily basis according to the Recurring Wire Transfer Agreement and/or ODFI- Originator Agreement on file with CSB.
OUR LIABILITY FOR FAILURE TO COMPLETE PAYMENTS OR TRANSFERS
If CSB does not complete a payment, ACH transaction, Wire or transfer on time or in the correct amount according to our agreement with you, CSB may be liable for your losses or damages. However, there are exceptions. CSB WILL NOT be liable for the following:
- If, through no fault of CSB, you do not have enough available money in the account from which a payment, ACH transaction, wire or transfer is to be made, or if the account has been closed or is not in good standing, or if CSB reverses a payment or transfer because of insufficient funds;
- If any payment or transfer would go over the credit limit of any account;
- If your equipment or CSB’s was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction;
- If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit/debit your account or otherwise complete the transaction;
- If you do not properly follow CSB’s instructions or if you provide CSB with wrong or inaccurate information or fail to correct or tell CSB about any inaccuracy of which you are aware;
- If you do not instruct CSB soon enough for your payment, ACH transaction, wire or transfer to be received and credited by the time it’s due;
- If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim that would restrict the transaction;
- If circumstances or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that CSB has taken;
- If the amount to be processed through CSB Business Online Banking’s ACH or Wire service is in excess of the daily limit agreed to in the recurring Wire Transfer Agreement or the ODFI Originator Agreement.
CSB Online Banking service is generally available 24 hours a day, 7 days a week. However, CSB will only process transactions and update information on business days. CSB’s normal business days are Monday through Friday (Federal Holidays are not included). Transfers made after 6:00 p.m. Monday through Friday will normally be processed on the next business day. Our Online BillPay service is generally available 24 hours a day, 7 days a week. CSB will process payments two times during a business day. Payments are processed at approximately 8 a.m. and 3 p.m. each business day, and can be modified or deleted any time prior to processing. Our CSB Business Online Banking service is available 24 hours a day, 7 days a week, upon written request. However, the initial restrict access time is defaulted from 6:00 a.m. to 8:00 p.m. Monday through Saturday. CSB will process ACH transactions initiated before 3:00 p.m. Monday through Friday (Federal Holidays are not included) on a daily basis. CSB customers have the capability of transmitting the file one (1) business day prior to the effective date. When transmitting the file one (1) business day prior to the effective date, CSB cannot guarantee the availability of funds on the effective date at the receiving institution. Wires will need to be initiated by 2:00 p.m. for one time and recurring wire transfers.
Your Online Banking transfers, ACH transaction, Wires and payments will be indicated on the monthly statements CSB provides or makes accessible to you for your Online Funding Account. You agree to notify CSB promptly if you believe there are any errors or unauthorized transactions on any statement, or if you change your address. Failure to notify CSB in a timely manner could result in the loss of your ability to have errors or unauthorized transactions corrected.
You, as a customer, agree to the terms of this CSB Online Banking account & any service charges that may be imposed. You authorize the deduction of these charges directly from the account balance. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your CSB Online Banking identification number and password or other means of access and want to terminate that person’s authority, you must change your identification number and password or other means of access or take additional steps to prevent further access by such person. The CSB Business Online Banking Administrator is authorized to remove user’s authorization level, flag the user as “Held” or have the ID and password for the business changed as needed. All users added to CSB Business Online Banking will only have access to the ID once the Administrator contacts CSB verifying a new user was added.
UNAUTHORIZED TRANSACTIONS OR LOSS OR THEFT OF YOUR CSB ONLINE BANKING IDENTIFICATION NUMBER OR PASSWORD
If you believe your CSB Online Banking identification number or password or other means of access have been lost or stolen, or that someone has used them without your authorization, please do the following:
During Normal Business Hours: Call us immediately at 330.674.9015 or 800.654.9015
After Normal Business Hours: E-mail us through our Website at www.csb1.com
CSB Business Online Banking users should contact their Administrator to have their CSB Business Online Banking ID and password reset. The administrator may contact CSB for additional help with lost ID, Password or locked account. Immediately phoning CSB is the best way of reducing your possible losses. CSB understands there is no guarantee that e-mail will always arrive at its intended destination. Never send your account, social security, or identification numbers or password with your e-mail. Your name, address, phone number, and a brief message as to what problem you are having, is all we will need to proceed.
Your enrollment in the CSB Online Banking Service may include access to some products and services through most mobile devices. You can download the CSB Mobile Banking application for iOS or Android devices. CSB does not guarantee that your device or mobile phone service provider will be compatible with CSB Mobile Banking. We reserve the right to modify the scope of the CSB Mobile Banking Services at any time. By using the CSB Mobile Banking Services, you agree to the following terms. You agree that we may send you information relative to CSB Mobile Banking Services through your communication service provider in order to deliver them to you and that your communication service provider is acting as your agent in this capacity. You agree to provide a valid phone number, e-mail address or other delivery location so that we may send you certain information about your applicable account or otherwise related to the CSB Mobile Banking Services. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. CSB will not be liable to you for any losses caused by your failure to properly use CSB Mobile Banking or your Wireless Device. You agree that when you use CSB Mobile Banking you will remain subject to the terms and conditions of all your existing agreements with CSB. You also agree that you will be subject to the terms and conditions of all your existing agreements with your mobile service carrier or provider (i.g. AT & T, Verizon, Sprint, T-mobile, etc.) You understand that those agreements may provide for fees, limitations, and restrictions which might impact your use of CSB Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with CSB Mobile Banking, including while downloading the CSB Mobile Banking Application, sending or receiving text messages, or other use of your Wireless Device). You agree to be solely responsible for all such fees, limitations, and restrictions. If you use any location-based features of CSB Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through CSB Mobile Banking. If you wish to revoke access to such information you must cease using location-based features CSB Mobile Banking Services are provided for your convenience and do not replace your monthly account statement(s), which are the official record of your accounts. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through the CSB Mobile Banking Services may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through the CSB Mobile Banking Services. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon. You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store.
Mobile phones and other devices with Internet capabilities are susceptible to viruses. You are responsible to ensure that your device is protected from and free of viruses, worms, Trojan horses, or other similar harmful components which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. CSB will not be responsible or liable for any indirect, incidental, special or consequential damages which may result from such viruses. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions when using CSB Mobile Banking. You agree not to leave your mobile device unattended while logged into CSB Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide any of your access information to any unauthorized person. If you permit other persons to use your mobile device, login information or any other means to access CSB Mobile Banking, you will be held responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representations that CSB Mobile Banking will be available for use in locations outside of the United States. Accessing CSB Mobile Banking from locations outside of the United States is at your own risk.
ALERTS AND MOBILE TEXT SERVICES
Your enrollment in the CSB Mobile Banking Service includes access to mobile text messaging related services (collectively, "Text Services") and Alerts. By receiving or otherwise using these services, you agree to the following terms for these services. You agree that we may send messages through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. We may use a telephone number, e-mail address or other delivery location we have in our records for you or other such contact information as you may provide to us for these services so that we may send you certain information about your applicable account. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number, e-mail address, or other delivery location that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. You also understand that there may be a disruption in service when you change your communications service provider. Messages may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, or other parties. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the messages sent through the alerts and text services. The text services are only available to customers who have an eligible account with us, and you may be automatically enrolled to receive certain alerts. While you have to have an eligible account to use the service, once it is activated, if you have other types of accounts with us, you may have access to those other accounts as well. There is no service fee for the alerts and text services but you are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. Message and data rates may apply. Such charges include those from your communications service provider. Message frequency depends on user preferences. For additional assistance with the alerts and text services, contact CSB customer service at 800.654.9015.
AMENDING THIS AGREEMENT OR FEES
CSB may amend this Agreement at any time by sending written notice either by mail or by providing you with that notice electronically. You may choose to accept or decline the change. By continuing to use CSB Online Banking and/or CSB Mobile Banking after the effective date stated in the notice, you are deemed to accept any and all changes, and agree to be bound by the provisions within the notice.
LOST OR STOLEN MOBILE DEVICE OR PASSWORD; UNAUTHORIZED TRANSACTIONS
If you believe your mobile device, user name, password, or other approved access device has been lost or stolen, or that someone has transferred or may transfer funds from your account without your authorization, contact us AT ONCE at 800.654.9015. For additional information regarding your and our rights and responsibilities regarding unauthorized transactions, please review the applicable agreement(s) governing the affected deposit account.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ACCOUNT
In case of errors or questions about your deposit accounts or CSB Online Banking or CSB Mobile Banking services, contact our Customer Service Center at 800.654.9015.
By clicking “I agree,” I consent to the terms and conditions of The Commercial & Savings Bank Online Banking Agreement and Disclosure Statement. Furthermore, by clicking “I agree,” I acknowledge and agree that I am legally bound by this affirmative consent.
This Mobile Check Deposit User Agreement (“Agreement”) contains the terms and conditions for the use of The Commercial and Savings Bank’s (“CSB”) Mobile Check Deposit and/or other remote deposit capture services that CSB or its affiliates (“CSB”, “us”, or “we”) may provide to you (“you” or “User”). Other agreements you have entered into with CSB, including the Internet Banking Agreement and Disclosure Statement, as applicable to your CSB account(s), are incorporated by reference and made a part of this Agreement.
The mobile remote deposit capture services (“Services”) are designed to allow you to make deposits to your checking, savings, or money market savings accounts from home or other remote locations by scanning checks and delivering the images and associated deposit information to CSB.
2. Acceptance of these Terms
Your use of the Services constitutes your acceptance of this Agreement. The Agreement is subject to change from time to time. We will notify you of any material change via e-mail or on our website(s) by providing a link to the revised Agreement or by an online secure message. Your continued used of the Services will indicate your consent to be bound by the revised Agreement. Further, CSB reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.
3. Limitations of Service
When using the Mobile Deposit Service, you may experience technical or other difficulties that are outside the control of CSB or there may be times when Mobile Deposit service is not available. We will attempt to post alerts on our website or send you an e-mail or an online secure message to notify you of these interruptions in Service. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. Some of the Services have qualification requirements, and we reserve the right to change the
qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.
4. Hardware and Software
In order to use the Services, you must obtain and maintain, at your expense, compatible hardware and software as specified by CSB from time to time. CSB is not responsible for any third party software you may need to use the Services. Any such software is accepted by you and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at the time of download and installation.
CSB may charge a per item or a per month fee. See your account fee disclosure for specifics. The account fee disclosure may be updated periodically throughout the life of your account.
6. Eligible Items
You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg. CC”). When the image of the check transmitted to CSB is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code. Items that can be deposited are checks payable to the account owner or joint owners that haven been properly endorsed with “For Mobile Deposit Only” AND the owner;s signature. NOTE: Any check that you attempt to deposit using your Mobile Device is subject to verification by CSB. We may reject any item for deposit for any reason and will not be liable to you. In such a case, you will need to deposit the item using other means, such as visiting a CSB Banking Center. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered INELIGIBLE items:
- Checks payable to any person or entity other than the person or entity that owns the account that the check
- is being deposited into.
- Checks containing an alteration on the front of the check or item, or which you know or suspect, or should
- know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
- Checks payable jointly, unless deposited into an account in the name of all payees.
- Checks previously converted to a substitute check, as defined in Reg. CC.
- Checks drawn on a financial institution located outside the United States.
- Checks that are remotely created checks, as defined in Reg. CC.
- Checks not payable in United States currency.
- Checks dated more than 6 months prior to the date of deposit.
- Checks or items prohibited by CSB’s current procedures relating to the Services or which are
- otherwise not acceptable under the terms of your CSB account.
- Checks payable on sight or payable through Drafts, as defined in Reg. CC.
- Checks with any endorsement on the back other than that specified in this Agreement.
- Checks that have previously been submitted through the service or through a remote deposit capture service
- offered at any other financial institution.
- Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
- Checks that have been previously returned or re-deposited items.
7. Endorsements and Procedures
You agree to restrictively endorse any item transmitted through the Services as “For Mobile deposit only” AND your signature, or as otherwise instructed by CSB. You agree to follow any and all other procedures and instructions for use of the Services as CSB may establish from time to time.
8. Receipt of Items
We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive confirmation from CSB that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time; any item that we subsequently determine was not an eligible item. You agree the Bank is not liable for any loss, costs, or fees you may incur as a result of our charge back of an ineligible item.
9. Availability of Funds
In general, any item transmitted, received and accepted before 5:00 p.m. Eastern Standard Time on a business day will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our banking centers. Funds deposited using the Service will generally be made available on the by the second business day after the day of deposit. We reserve the right to place a hold on funds deposited as described in Our “Funds Availability Policy Disclosure” given to you when you opened your account with CSB.
10. Disposal of Transmitted Items
Upon your receipt of a confirmation from CSB that we have successfully received your deposit, you should store the check in a secure location for 14 days. After 14 days, and after you have confirmed the deposited funds have been applied to your account correctly, you agree to destroy the check by shredding it or marking it “VOID”. Destroying the check prevents it from being presented for deposit another time. You will be liable for checks that are presented more than once. During the time the retained check is available, you agree to promptly provide it to CSB upon request.
11. Deposit Limits
We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. The current per-item dollar limit is $5,000 for consumer accounts and $25,000 for business accounts. CSB reserves the right to assign a limit not listed above at its sole discretion.
The manner in which the items are cleared, presented for payment, and collected shall be in CSB’s sole discretion subject to the agreements governing your account.
You agree to notify CSB of any suspected errors regarding items deposited through the Services right away, and in no event later than 60 days after the applicable CSB account statement is sent. Unless you notify CSB within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against CSB for such alleged error. You can contact us by calling 1.800.654.9015 or by visiting any CSB banking center.
14. Errors in Transmission
By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. CSB bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.
15. Image Quality
The image of an item transmitted to CSB using the Services must be legible, as determined in the sole discretion of CSB. Without limiting the foregoing, the image quality of items must comply with the requirements established from time to time by CSB, AMSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.
16. User Warranties and Indemnification:
You warrant to CSB that:
- You will only transmit eligible items.
- You will not transmit duplicate items.
- You will not re-deposit or re-present the original item.
- All information you provide to CSB is accurate and true.
- You will comply with this Agreement and all applicable rules, laws and regulations.
- You are not aware of any factor which may impair the collectability of the item.
- You agree to indemnify and hold harmless CSB from any loss for breach of this warranty provision.
17. Cooperation with Investigations
You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in you possession and your records relating to such items and transmissions.
We may terminate this Agreement at any time and for any reason at our sole discretion. This Agreement shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, the Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purpose or you use the Services in a manner inconsistent with the terms of your CSB Account or any other agreement with us.
We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.
20. Ownership and License
You agree that CSB retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of the Agreement immediately terminates your right to use the Services.
Without limiting the restrictions of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to CSB’s business interests, or (iii) to CSB’s actual or potential economic disadvantage in any aspect. You may use the Services only for non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute, or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services.
21. DISCLAIMER OF WARRANTIES
YOU AGREE THAT YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.
22. LIMITATION OF LIABILITY
YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF CSB HAS BEEN INFORMED OF THE POSSIBILITY THEREOF.
Terms for Adding Your Commercial & Savings Bank (CSB) Card to a Digital Wallet
These Terms for adding your CSB card to a Digital Wallet (the “Terms”) apply when you choose to add a CSB debit card (CSB card) to a Digital Wallet (“Wallet”) and form part of a legally binding agreement between you and CSB that also includes CSB’s Online Banking Agreement, Electronic Fund Transfers – Your Rights and Responsibilities, Terms and Conditions of Your Deposit Account, Mobile Banking Terms and Conditions, and all related disclosures. In these Terms, “you” and “your” refer to the cardholder of the CSB, and “we”, “us”, “our”, and “CSB card” refer to the issuer of your CSB card, which is CSB. When you add a CSB card to the Wallet, you agree to these Terms.
1. Adding your CSB Card
You can add an eligible CSB card to the Wallet by following the instructions of the Wallet provider. Only CSB cards that we indicate are eligible can be added to the Wallet. If your CSB card or underlying account is not in good standing that CSB card will not be eligible to enroll in the Wallet. When you add a CSB card to the Wallet, the Wallet allows you to use the CSB card to enter into transactions where the Wallet is accepted. The Wallet may not be accepted at all places where your CSB card is accepted.
2. Your CSB Card Terms Do Not Change
The terms and account agreement that govern your CSB card do not change when you add your CSB card to the Wallet. The Wallet simply provided another way for you to make purchases with the CSB card. Any applicable interest, fees and charges that apply to your CSB card will also apply when you use the Wallet to access your CSB card. CSB does not charge you any additional fees for adding your CSB card to the Wallet or using your CSB card in the Wallet. The Wallet provider and other third parties such as wireless companies or data service providers may charge you fees.
3. CSB is Not Responsible for the Wallet
CSB is not the provider of the Wallet, and we are not responsible for providing the Wallet service to you. We are only responsible for supplying information securely to the Wallet provider to allow usage of the CSB card in the Wallet. We are not responsible for any failure of the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for the performance or non-performance of the Wallet provider or any other third parties regarding any agreement you enter into with the Wallet provider or associated third party relationships that may impact your use of the Wallet. You acknowledge that you have read and accepted the terms and conditions of the Digital Wallet by requesting that your CSB Debit Card be added to the Digital Wallet.
Any limits we place on the frequency or dollar amount of your CSB card transactions will also apply to Wallet transactions.
5. Contacting You Electronically, and by Email
You consent to receive electronic communications and disclosures from us in connection with your CSB card and the Wallet. You agree that we can contact you by email at any email address you provide to us in connection with any CSB account. It may include contract from companies working on our behalf to service your accounts. You agree to update your contact information with us when it changes. By accepting these Terms and Conditions, you agree that it is subject to the federal Electronic Signatures in Global and National Commerce Act. (“E-SIGN”). Continued use of a CSB Debit Card in a Digital Wallet requires that you agree to receive all Notices electronically. If you prefer to receive paper Notices, you have the right to withdraw your consent, in which case we will terminate your use of the CSB Debit Card in a Digital Wallet.
6. Removing Your CSB card from the Wallet
You should contact the Wallet provider on how to remove a CSB card from the Wallet. We can also block a CSB card in the Wallet from purchases at any time.
7. Governing Law and Disputes
These Terms are governed by federal law and, to the extent that state law applies, the laws of the state that apply to the agreement under which you CSB card is covered. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in your CSB card agreement.
8. Ending or Changing these Terms; Assignments
We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time. We will provide notice if required by law. We can also assign these Terms. You cannot change these Terms, but you can terminate these Terms at any time by removing all CSB cards from the Wallet. You may not assign these Terms.
Storing account numbers, passwords or codes on any Device, using any account numbers, passwords or codes in any verbal communications, or using any Device in a public place such as an airport, hotel, concert, or sports facility, may result in interception and misuse of that information by a third party. CSB cannot prevent interception by third parties of any communications made by a Device. CSB has no responsibility for any losses resulting from information that a third party may obtain by intercepting communications made through a Device or by accessing data that Customer may store on a Device.
Customer may be assigned security codes, procedures, devices or passwords to be used when Customer uses Services. CSB may also make available to the Customer security devices that are provided by third parties. Any such codes, procedures, passwords or other devices are called Security Devices. CSB MAKES NO REPRESENTATIONS OR WARRANTIES AS TO MERCHANT ABILITY, OR THAT THE SECURITY DEVICES ARE FIT FOR A PARTICULAR PURPOSE OR ARE SUFFICIENT TO PROTECT THE CUSTOMER AGAINST UNAUTHORIZED ACCESS TO THE CUSTOMERS ACCOUNTS OR COMPUTER SYSTEMS. THE CUSTOMER ACKNOWLEDGES THAT THE SECURITY DEVICES MAY NOT BE THE MOST SOPHISTICATED OR ADVANCED DEVICES AVAILABLE AND THAT CSB HAS NO OBLIGATION EXCEPT TO OFFER REASONABLE SECURITY DEVICES TO THE CUSTOMER. THE CUSTOMER SHOULD OBTAIN INDEPENDENT ADVICE ON THE SECURITY OF CUSTOMERS COMPUTER SYSTEMS AND WHETHER THE SECURITY DEVICES PROVIDE SUFFICIENT PROTECTION TO THE CUSTOMER AND ITS ACCOUNTS AND COMPUTER SYSTEMS. Customer agrees to look solely to the third party provider or manufacturer of any Security Device with respect to any defect in a Security Device. The Customer must use the Security Devices that are designated or required for a Service. Customer is solely responsible for all transactions that are made using Customers computer or other access devices, or which are made using any of Customers Security Devices, or which are made without CSBs actual knowledge that such transactions are unauthorized. Without limiting anything else contained herein, Customer is solely liable for any losses, damages or unauthorized access to Customers Accounts if Customer accesses Services by public WiFi or other public access services. Customer is solely responsible for installing in Customers computers and Device systems such procedures, codes, firewalls and other security devices as are necessary to prevent the unauthorized use of Customers computers, access devices, Security Devices or Accounts. CSB reserves the right to block access to the Services if CSB has actual knowledge that any Security Device has been compromised or misappropriated, provided that CSB has no obligation of any kind to investigate or discover any such compromise or misappropriation and CSB shall have no liability to the Customer for CSBs failure to discover any such compromise or misappropriation. The Customer must immediately notify CSB in writing delivered by certified mail or by a nationally recognized courier service or by e-mail if Customer has authorized any person to use any of Customers Device or Security Devices and if Customer wishes to terminate such persons authority to use the Device or Security Device, or if Customer knows or believes that any of Customers Devices or Security Devices have been lost, stolen or otherwise compromised, or if Customer has reason to believe that any person is accessing Customers Accounts without authority. CSB will have no liability for any unauthorized transactions that occur within two Banking Days after actual receipt of such written notice by CSB. Customer hereby releases CSB from all liability for, and will indemnify CSB from, any and all claims of any nature arising out of any access to any of Customers Accounts using the Services unless CSB has actual knowledge that such transactions are unauthorized. If CSB makes available to the Customer a Security Device and the Customer refuses to use the Security Device, then CSB shall have no liability of any kind for any unauthorized access to Customers Accounts, or misappropriation of any of Customers funds.
We can provide notices to you concerning these Terms and your use of a CSB card in the Wallet by posting the material on our website, through electronic notices given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at: 1.800.654.9015.
If you have any questions, disputes, or complaints about the Wallet, contact the Wallet provider using the information given to you by the provider. If your question, dispute, or complaint is about your CSB card, then contact us at: 1.800.654.9015.