Online Banking and Bill Pay Disclosures

ONLine Banking Service Federal E-Sign Disclosure

Standard Bank Consumer ONLine Banking Agreement and Disclosures

Standard Bank Consumer ONLine Bill Payment Agreement and Disclosures

eStatement Delivery Disclosures

Mobile Banking Agreement and Disclosures

Mobile Deposit Services

People Pay Agreement and Disclosures

 

ONLine Banking Service Federal E-Sign Disclosure

Before you enroll in Online Banking through our website, please note the following information:

  1. When you enroll in Online Banking through our website, you will be consenting to receiving through Online Banking electronic information consisting of:
    1. The agreement with us that governs Online Banking;
    2. Change of terms and other notices relating to Online Banking and required by applicable law; and
    3. Information that is available to you through Online Banking concerning transactions made using Online Banking and accounts as to which information is available through Online Banking.
  2. You have the right to receive the agreement and the change of terms and other notices in a paper format without cost to you. To do so, call our Telephone Service Center at 1- 866-856.2265 or contact us through the secured messaging link in Online Banking.
  3. You have the right to withdraw your consent to receiving the electronic information through Online Banking. However, if you do so, your use of Online Banking may be terminated. To do so, call our Telephone Service Center at 1-866-856-2265 or contact us through the secured messaging link in Online Banking.
  4. You must promptly notify us of any change in your email address. You may change your email address from the accounts overview page, calling our Customer Care Center at 1-866-856-2265 or contact us through the secured messaging link in Online Banking. For access to and retention of the electronic information, you must have a personal computer, internet access, an internet browser that supports 128-bit or higher encryption and Adobe Acrobat Reader to open or view electronic documents.
  5. By enrolling in Online Banking through our website, you will be confirming that you are able to access the electronic information.

 

Standard Bank Consumer ONLine Banking Agreement and Disclosures:

  1. Coverage – This Agreement applies to your use of our Internet Banking Service (Standard Bank ONLine), which permits you to access your accounts with us via the Internet for services selected by you and agreed upon by us. This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms “you” and “your” refer to each user on an account accessible by Standard Bank ONLine, and the terms “us,” “we,” and “our” refer to Standard Bank.  By using Standard Bank ONLine, you agree to abide by the terms and conditions of this Agreement and acknowledge your receipt and understanding of the disclosures contained in this Agreement.  The section headings used in this Agreement are for convenience and organizational purposes only and do not in any way limit or define your or our rights or obligations under this Agreement.
  2. Enrollment/Application Forms – To establish Standard Bank ONLine you will complete certain enrollment screens or other documents evidencing your desire to access your accounts using Standard Bank ONLine. The specific available services are identified in Section 11 of this Agreement and Disclosure. Your completion of the enrollment screen and your signature on the Funds Transfer Agreement, if applicable, constitutes your agreement to the terms of this Agreement.
  3. Your responsibility – You are responsible for selecting all systems, hardware and your Internet Service Provider (ISP) and for any defect, malfunction or interruption in service or security due to hardware failure, your choice of ISP and systems and computer services.
  4. Eligible Standard Bank Accounts – To access your account(s) through Standard Bank ONLine, you must have at least one eligible account with us. Eligible accounts are limited to consumer deposit accounts and include the following:
  • Demand Deposits (Checking) Accounts
  • Savings Accounts
  • Certificates of Deposit
  • IRA Accounts
  • Loan Accounts
  1. Access Codes – To access Standard Bank ONLine, you must obtain a unique User Identification Number and Password. The Password has the same effect as your signature to authorize transactions. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone.  Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Standard Bank ONLine, including full access to your accounts.  You have no ability to limit any such person’s authority.  If you give your Password to a third party, then, you authorize Standard Bank to accept instructions from any persons using your Password to conduct Standard Bank ONLine transactions.
  2. Customer Liability – Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the quickest and best way of keeping your possible losses down. You could lose all the money in your accounts (plus your maximum overdraft protection).Also, if your statement shows transfers that you did not make, tell us at once.  If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any rights to recover from us, even if we failed to use ordinary care in making the transfer.
  3. Contacts in Event of Unauthorized Transfer or For Other Reasons – If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, immediately call us at 412-856-0352 during normal working hours or 1-888-722-1323 during non-working hours, and then if instructed by us, write us at:Standard Bank
    Operations Department
    2640 Monroeville Blvd.
    Monroeville, PA 15146
  4. Error Resolution Notice – In cases of errors or questions about your Electronic Transfers, contact us as soon as you can at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than 60 days after we send you the FIRST statement on which the problem or error appeared.- Tell us your name and account number (if any)
    – Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    – Tell us the dollar amount of the suspected error.

    If you tell us orally or contact us through secure email, we may require that you send us your complaint in writing within 10 business days.

    We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days to investigate your complaint or question.  If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not provisionally credit your account.

    If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation and we will reverse any provisional credit we made to your account.  You may ask for copies of the documents that we used in our investigation.

  5. Business Days – Our business days are Monday through Friday, excluding federal holidays. We can process an internal funds transfer on the same business day as your instructions if we receive your instructions before our Standard Bank ONLine cut-off hour of 7:30 PM Eastern Time, on a business day. For an external funds transfer the cut-off would be 5:00 PM on that business day.  If we receive your instruction after these cut-offs or after the end of our business day, we process the transaction on our next business day.
  6. Hours of Operation – Although you may access Standard Bank ONLine 24 hours a day, 7 days a week, at certain times some or all of Standard Bank ONLine’s account options may not be available due to system maintenance. If Standard Bank ONLine will not be accessible for an extended period of time, we will attempt to provide you with notice, but we cannot guarantee prior notice will be provided.
  7. ONLine Services – Using your User ID and Password you can perform the following:
    1. Account InformationYou can obtain specific information about your accounts, including: 1) account balance information, loan payment due dates and maturity dates, 2) detail information including interest rates and interest paid year to date, 3) account activity including deposits and withdrawals. You will have the ability to download your account information to specific file formats.
    2. Funds Transfers – You may transfer funds between eligible Standard Bank checking, savings, money market and loan accounts. You may also transfer funds between eligible accounts at other financial institutions and eligible accounts at Standard Bank under certain circumstances as approved by us. (The account must be opened and in good standing for Six Months). By enrolling in Standard Bank’s External Transfer you authorize Standard Bank to initiate debit and/or credit entries to the accounts you indicated. Fund Transfers can be scheduled on a one-time or reoccurring basis.A transfer of funds between any of these accounts may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing.  Accounts requiring two (2) or more signatures are not eligible for this service.  You agree to transfer funds only from accounts that have sufficient cleared funds to complete a transfer and understand that a transfer from an account with insufficient or uncleared funds may not be completed.  Modifying/deleting transfers may be done prior to the 7:30 PM ET internal cut-off or 5:00 PM ET external cut-off.  If the transaction has already been processed electronically, you cannot reverse the transaction.
      1. Federal Limitations on Transfers – Under federal regulations, you may make no more than six transactions per monthly statement cycle from your savings or money market deposit account. These transactions include; preauthorized fund transfers, telephone transfers, Standard Bank ONLine transactions, checks and point-of-sale transactions.  Of these six transactions, you are limited to no more than three transactions per monthly statement cycle by check, draft, debit card or similar order to third parties.  Each funds transfer through Standard Bank ONLine from savings or money market deposit is counted as one of the six limited transfers you are permitted each monthly statement cycle.
      2. Other Limitations, Priority and Performance of Transactions — We may, from time to time, limit the type, number and dollar amounts of any checks, drafts, transfers or withdrawals made by Standard Bank ONLine, notwithstanding the amount in your accounts.If at any time you perform transactions (whether Standard Bank ONLine or other types of electronic or paper based transactions) on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions (including your Standard Bank ONLine transactions).  Alternately, we may, at our sole discretion, allow all such transactions to be performed and create an overdraft on your account.  You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule.
    3. Electronic Messages – Sending messages through Standard Bank ONLine is a way to communicate with the Bank. However, there may be times when you need to speak with someone immediately (especially to report a lost or stolen Password).  In these cases do not use an electronic message.  Instead, call us immediately at 412-856-0352 during working hours or 1-888-722-1323 during non-working hours.  Also it is important to remember that you cannot use an electronic message through Standard Bank ONLine to conduct transactions.  To conduct transactions, please follow the appropriate instructions provided by the Bank. Standard Bank may also send you messages and or advertisements electronically through Standard Bank Online messaging and to your email address on file with us.
    4. Stop Payments – A stop payment order must be received in time to give us a reasonable opportunity to act on it, and must precisely identify the number, date and amount of the item, and the payee. We will honor a stop-payment request by the person who signed the particular item, or, by any other person, who has a right to withdraw from the account, even though the other person did not sign the item.  A stop-payment request initiated through Standard Bank ONLine will be considered a written request.  Any stop payment initiated on Standard Bank ONLine will be mailed or emailed a confirmation of the stop payment.  The confirmation notice will be mailed to the account address in our files.  You have a right to stop payment and here are the procedures for doing so.  If you have told us in advance to make regular payments out of your account, you can stop any of these payments, here is how:  Complete the Stop Payment screen available through Standard Bank ONLine, call us at 412-856-0352 or write us at:Standard Bank
      Operations Department
      2640 Monroeville Blvd.
      Monroeville, PA 15146If you stop one of these payments three business days or more before the online transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

      Refer to our current fee schedule for charges relating to stop payments.

  8. Periodic StatementsOur Standard Bank ONLine account activity will appear on your periodic account statement.
  9. Our Liability For Failure to Make TransfersIf you have given us all of the proper and timely instructions and have properly completed all fields to complete a transfer or bill payment, and we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:
    • If through no fault of ours, you do not have enough money in your account to make the transfer.
    • If the money in your account is subject to legal process or other encumbrances restricting the transfer.
    • If the transfer would go over the available balance in your overdraft account.
    • If a transfer system was not working properly and you knew about the breakdown when you started the transfer.
    • If circumstances beyond our control (such as fire or flood) prevent the transfer or use of Standard Bank ONLine despite reasonable precautions that we have taken.
    • If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank ONLine.
    • If your operating system is not properly installed or properly functioning.
    • For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank OnLine, including, without limitation, your inability to access Standard Bank ONLine or any part of Standard Bank ONLine.
    • For failure to provide access or for interruptions in access to Standard Bank ONLine due to Standard Bank ONLine system failure.
    • NOT WITHSTANDING ANY OTHER PROVISION IN THIS AGREEMENT, UNLESS OTHERWISE PROHIBITED BY LAW, OUR SOLE RESPONSIBILITY FOR AN ERROR BY US OR OUR THIRD PARTY PROVIDER IN TRANSFERRING FUNDS WILL BE TO CORRECT THE ERROR, BUT IN NO CASE WILL THE BANK BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES CAUSED BY, IN CONNECTION WITH, OR IN ANY WAY RELATED TO THE ERROR
  10. Account Information Disclosure – We will disclose information to third parties about your account or the transfers you make, as permitted by law and by our Privacy Policy, including, without limitation:
    • Where it is necessary for completing or tracing transfers or resolving errors or claims;
    • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution;
    • In order to comply with government agency, bank regulators, court orders or other legal process;
    • To our employees, auditors, service providers or attorneys in the course of their duties;
    • To other companies affiliated with us;
    • To others with your consent; and
    • Whenever required by law.
  11. Termination – We may modify, suspend or terminate your privilege of using Standard Bank ONLine and may withhold approval of any transaction, at any time, without prior notice to you. If you do not access your Standard Bank accounts via Standard Bank ONLine for any three (3) month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Standard Bank ONLine, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable.  You may terminate your access to Standard Bank ONLine by notifying us in writing at:Standard Bank
    Operations Department
    2640 Monroeville Blvd.
    Monroeville, PA 15146
  12. Third Parties – You understand that third parties other than us provide support and services relating to Standard Bank ONLine, and you authorize us to contract third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights and responsibilities under this agreement to other independent contractors or other third parties.You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity.
  13. Amendment – We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice.  By accessing Standard Bank ONLine after the amendments have been made, you agree to be bound by the amended agreement.
  14. Addition of New Services – Standard Bank may, from time to time, introduce new online services. We may notify you of the existence of these new services when they become available and, if you choose to make use of any new service, you agree to be bound by any terms and conditions regarding the new services that we may send to you.
  15. Virus Protection – You agree that we are not responsible for any electronic virus that you may encounter using our online services. We encourage you to routinely scan your computer and diskettes using any reliable virus protection product to detect and remove any viruses found. Undetected or unrepaired, a virus may corrupt and destroy your program, files and even hardware.
  16. No WaiverNo delay of or waiver by us of any power, right, remedy or obligation under or in connection with this Agreement on any one occasion will not constitute a waiver of that power, right, remedy or waiver on any later occasion. In any event, no such delay or waiver by us is effective unless it is in writing and signed by us.
  17. Fees – Standard Bank charges certain consumers to access Standard Bank ONLine. Any other normal account and/or activity charges are applicable and you will be charged accordingly.   After 120 days of inactivity your account will be charged $3 per month.  (effective 3-15-2016) The customer agrees to be responsible for telephone and Internet Service Provider (ISP) charges to the extent that any may be incurred by use of Standard Bank ONLine.
  18. General – This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts, including, without limitation, our Deposit Account Rules. In the event of a conflict between this Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail for Standard Bank ONLine related transactions.

 

Standard Bank Consumer ONLine Bill Payment Agreement and Disclosures

  1. Coverage – This Agreement applies to all persons that are parties to the accounts. In this Agreement, the terms “you “ and “your” refer to each user on an account accessible by Standard Bank ONLine, and the terms “us,” “we,” and “our” refer to the Bank. This Agreement applies to your use of our bill payment service, Standard Bank ONLine Bill Pay, (“Bill Pay” or “Bill Payment”), that permits you to pay bills on an automatic recurring basis or as specific one-time payments.  By using Standard Bank ONLine’s Bill Pay, you agree to abide by the terms and conditions of the Agreement and acknowledge your receipt and understanding of the disclosures contained in this agreement.
  2. General – To establish Bill Pay, you will complete certain enrollment screens or other documents evidencing your desire to access your personal accounts using Standard Bank ONLine. Your completion of the ONLine enrollment screen constitutes your acceptance to the terms of this Agreement.You must designate one or more eligible checking accounts as your bill payment accounts.  Checking accounts requiring two (2) or more signatures are not eligible for this service.  To use Bill Payment, you will provide us with the name and address of the payee (i.e., the person you want to pay), your account number with that payee and any other information we require to properly debit your account with us and credit your account with the payee.  If your account number or any other information changes, of if you wish to add or delete payees, you must provide us with these changes before 10:30 PM Eastern Time on the payment due date.  All such designations and changes must be entered in the appropriate fields through the Bill Payment section of Standard Bank ONLine.  You authorize us to make all changes submitted through Standard Bank ONLine by you or any other person having access to your Password and account information.You may pay any party located in the United States through Bill Pay.  You agree not to use Bill Pay to make payments to the Internal Revenue Service, or other tax payments, payments arising from any legal proceeding (such as child support payments or traffic tickets), payments to settle securities purchases, or to payees outside of the United States.  If you do schedule these types of payments, then you assume all risks should such payments not be timely delivered or processed.

    We work with payees to encourage them to accept an electronic payment or check.  If we are unsuccessful or if we believe that the payee cannot process payments in a timely manner, we may decline to make future payments to this payee.  In the unlikely event that this occurs, we will send you a notice.  We may refuse to make payments to certain payees at our sole discretion and to payees that choose not to participate in the services.

  3. Fees – Fees for consumers are disclosed in our most recent fee schedule. You agree to pay promptly all fees if there are insufficient funds in your account, and we may charge these fees to any other of your Standard Bank Accounts. The customer agrees to be responsible for telephone and Internet Service Provider (ISP) charges to the extent that any may be incurred by the use of Bill Pay.
  4. How Bill Payments are Made – Bill payments are processed either through an electronic transmission to the payee, or by a check drawn on your account and mailed to the payee. Payees who receive electronic delivery through an electronic transmission to the payee will receive your payment information, including your account number with the payee, through a computer link. All checks are sent through the S. mail.  Payments made with checks are generally received and credited by most payees within five to seven business days, and payments electronically sent are generally received and credited by most payees within three business days. To help ensure that your payments arrive on time, you must schedule your payments at least five to seven business days before the payment due date.  This generally allows sufficient time for the payee to receive and post your payment.  If you schedule a payment less than five (5) business days before the due date set by the payee/merchant, even if such payment is scheduled during a grace period, you assume all risk pertaining to finance or other charges that the payee/merchant might impose.If we receive any payment instructions from a payee, we may follow those instructions to help ensure that the payment is received by the payee and promptly credited to your account, with them.Payments where the payee requires payment stubs, coupons or remittance slips may require additional time to post as such payments are provided by us without such documentation.  You acknowledge and agree that Standard Bank shall have no liability for any finance or other charges based on the request for an online bill payment to be made to a payee that requires remittance documentation.
  5. Late Charges – If you follow all of the procedures described in this Agreement and follow all Bill Payment instructions accurately and completely, and a bill payment has not arrived at the payee within the allowable number of days described on the screen at the time you scheduled the payment, we will reimburse you for all penalties and associated late fee charges incurred due to such a late payment. Situations in which you are responsible for failing to follow procedures and instructions include, without limitation, your failure to schedule the payment a correct number of days before the due date, incorrectly scheduling the payment or supplying incorrect account information.
  6. Your Responsibility – You are responsible for selecting all systems, hardware and your Internet Service Provider (ISP), and for any defect, malfunction or interruption in service or security due to hardware failure from your Internet Service Provider and its systems and computer services.
  7. Access Codes – To access Bill Pay, you must be enrolled in Standard ONLine Banking. After enrolling in Standard Bank ONLine, you will obtain a unique User Identification Number and Password. The Password has the same effect as your signature to authorize payments. You agree to keep the Password private, not to record the Password or otherwise disclose or make the Password available to anyone.  You are responsible for keeping your Password, account numbers, and other account data confidential.  Anyone to whom you disclose your Password and anyone who has access to your Password will have full access to the services you can perform on Standard Bank ONLine, including full access to your accounts.  You have no ability to limit any such person’s authority.We recommend that you do not give your Password to anyone else.  If you give your Password to a third party, then you authorize Standard Bank to accept instructions from any party using your Password to conduct Bill Pay transactions.
  8. Customer Liability – Tell us at once if you believe your Password has been lost, stolen or otherwise became available to an unauthorized person. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft savings account).Also, if your statement shows transfers/payments initiated online that you did not make, tell us at once.  If you do not tell us within 60 days of the date we mail a periodic statement to you, you lose any right to recover from us, even if we failed to use ordinary care in making the payment.
  9. Contact Us in the Event of Unauthorized Transfer/Payment or For Other Reasons – If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission call us immediately at 412-856-0352 during working hours or 1-888-722-1323 during non-working hours, and then if we request, write to us at:Standard Bank
    Operations Department
    2640 Monroeville Blvd.
    Monroeville, PA 15146In cases where you need to speak to someone immediately (especially to report a lost or stolen Password) contact us immediately by phone.
  10. Error Resolution Notice – In case of errors or questions about your Electronic Transfers, contact us as soon as you can at the above telephone number or address. Also contact us if you think your statement or receipt is wrong or if you need more information about a transfer or payment listed on the statement or receipt. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.
    1. Tell us your name and account number (if any)
    2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    3. Tell us the dollar amount of the suspected error.If you tell us orally or contact us through secure email, we may require that you send us your complaint or question in writing within 10 business days.We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly.  If we need more time, however, we may take up to 45 days to investigate your complaint or question.  If we decide to do this we will provisionally credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.  If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, we may not provisionally credit your account.

      If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation and we will reverse any provisional credit we made to your account.  You may ask for copies of the documents that we used in our investigation.

  11. Business Days – Our business days are Monday through Friday excluding federal holidays. If we receive your Bill Pay instructions before our ONLine cut-off hour of 10:30 PM Eastern Time on a business day, Bank processing will begin the next day.   If you schedule a bill payment for a future date, we begin processing the transaction after the close of business on that date if that day is a business day.  If the date you request for a future payment is not a business day, we will process the transaction on the business day immediately preceding the date you have requested.  If you schedule a recurring bill payment and the payment date does not exist in a month, the payment will be processed on the last business day of that month.
  12. Hours of Operation – Although you may access Standard Bank’s ONLine Bill Payment Service 24 hours a day, 7 days a week, at certain times some or all of Standard Bank’s ONLine account options may not be available due to system maintenance. If Bill Payment will not be accessible for an extended period of time, we will attempt to provide you with notice but we cannot guarantee prior notice will be provided.
  13. Canceling Bill Payments and Requesting a Stop Payment –
    1. Canceling an Order. You may cancel a pending bill payment by selecting and deleting the payment from the pending payments menu.  Any instruction to cancel a bill payment must be received before 10:30 PM Eastern Time on the day the transaction is to be processed.  If we don’t receive your instruction identifying a cancelled payment prior to that time, we may process the transaction.  Remember that we will process your transaction on the business day before the date you requested if your request date is not a business day.  Please note that until you cancel any repeating online bill payments, such payments will continue even though the obligation may have been paid off.  It is your responsibility to cancel repeating online bill payments when they are no longer necessary.
    2. Requesting a Stop Payment. If a payment has already been sent electronically, a stop payment cannot be placed.  If the payee has been issued a check, then stop payment requests may be made under certain circumstances by calling 1-888-722-1323.  Once placed, a stop payment order on a check will be effective for 6 months from the date when it was authorized.  You must decide whether to place another stop payment order for an additional 6 months when the expiration date arrives.  Stop payment requests canceling specific Bill Payments to particular payees will not affect other Bill Payments already scheduled at the time of the stop order or future Bill Payments that you schedule with those payees.
    3. Our Rights. If we fail to cancel or stop any bill payments, the payment will stand unless you show us that your obligation to the payee was unenforceable.  If we recredit your account, after transferring funds over a valid and timely cancellation request, you agree to sign a statement describing the dispute with the payee to transfer to us all of your rights against the payee, and to assist us in any legal action taken against the payee.
  14. Overdrafts – When you schedule a bill payment using Standard Bank ONLine Bill Pay, you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your bill payment from your account on the date we process your instruction. We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your account, you agree to immediately adjust the overdrawn amount, together with any applicable fees.  If the account is maintained in connection with an overdraft protection/credit plan, any overdraft will be handled in accordance with agreement or rules governing that account rather than this Agreement.
  15. Our Liability For Failure to Complete a Bill Payment – If you have given us all of the proper and timely instructions and have properly completed all fields to complete a bill payment, and we do not complete a payment from your account on time or in the correct amount according to our agreement with you, we will be liable to you for damages. However, there are some exceptions. We will not be liable for instance:
    • If through no fault of ours, you do not have enough cleared funds in your account to make the payment. Refer to our Funds Availability Policy received at your account opening.
    • If the money in your account is subject to legal process or other encumbrances restricting the payment.
    • If the payment would go over the available amount in your overdraft account.
    • If there are delays caused by the mail system or the negligence or willful misconduct of yourself or others.
    • If the bill payment system was not working properly and you knew about the breakdown when you initiated the payment.
    • If circumstances beyond our control (such as fire or flood) prevent the payment despite reasonable precautions that we have taken.
    • If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the payee on a bill payment.
    • If we have a reasonable basis for believing that unauthorized use of your account(s) has occurred or is occurring, if you are in default under this or any other Agreement with us, or if you or we have terminated or suspended your use of Standard Bank ONLine or Bill Payment Services.
    • If your operating system is not properly installed or functioning properly.
    • For errors or failures from any malfunctions of your browser, Internet Service Provider, computer, computer virus or other problems relating to the computer equipment you use with Standard Bank ONLine, including without limitation, your inability to access Standard Bank ONLine or any part of Standard Bank ONLine.
    • For a failure to provide access or for interruptions in access to Standard Bank ONLine and/or Bill Payment Services due to your Internet Service Provider system failure.
    • Not withstanding any other provision in this agreement, unless otherwise prohibited by law, our sole responsibility for an error by us or our third party provider in paying a bill will be to correct the error. In no case will the bank be liable for any indirect, special, incidental, economic or consequential damages caused by, in connection with, or in any way related to the error.
  16. Account Information Disclosure – We will disclose information to third parties about your account or the transfers you make, as permitted by law and by our Privacy Policy, including, without limitation:
  17. Termination – We may modify, suspend or terminate your privilege of using Bill Payment Services and may withhold approval of any transaction, at any time, without prior notice to you. If prior notice is required by regulation, you agree that any required notice may be sent electronically at your Standard Bank electronic address. If you do not access Bill Payment for any 3-month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Bill Payment, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Bill Payment may terminate Bill Payment by writing us at:Standard Bank
    Operations Department
    2640 Monroeville Blvd.
    Monroeville, PA 15146Termination shall not affect the rights and obligations of the parties for transactions made with Bill Payment Services before we have had reasonable time to respond to your termination request.
  18. Third Parties – You understand that support and services relating to Bill Payment Services are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights or responsibilities under this agreement to other independent contractors or other third parties.You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity.
  19. Amendment – We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice. By accessing Bill Payment Services after the amendments have been made, you agree to be bound by the amended agreement.
  20. Limitations, Priority and Performance of Transactions – For security purposes, we may, from time to time, limit the number and dollar amount of any payments made through Bill Pay, notwithstanding the amount in you accounts, and terminate or suspend Bill Pay without notice unless otherwise required by law or regulation.If at any time you perform transactions (whether Bill Pay or other types of electronic or paper based transactions) on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions (including your Bill Pay transactions).  Alternately, we may, at our sole discretion, allow all such transactions to be performed and create an overdraft on your account.  You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule.
  21. Periodic Statements – Your Standard Bank bill payments will appear on your periodic account statement.
  22. General – This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts including, without limitation, our Deposit Account Rules and our Consumer ONLine Banking Agreement and Disclosures. In the event of a conflict between the Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.

 

eStatement Delivery Disclosures

Electronic Statement Delivery Enrollment Agreement

  1. Definitions.
    In this agreement:
    1. “We, “ “us” and “our” mean Standard Bank, PaSB, 2640 Monroeville Blvd., Monroeville, Pa. 15146
    2. “You” and “your” mean any individual who enrolls in Electronic Statement Delivery through electronic channels.
    3. “Selected account” means any deposit account that is maintained with us now or in the future in your name, whether alone or otherwise, and that is selected by you when you enroll in Electronic Statement Delivery or later, and is approved by us, for Electronic Statement Delivery;
    4. “Your email address” means the email address that is selected by you when you enroll in Electronic Statement Delivery or later as the email address to be used by you in connection with Electronic Statement Delivery; and
    5. “Electronic document” means any periodic statement for a selected account, any communication that would normally be provided with a periodic statement for a selected account and that we choose to send to you through Electronic Statement Delivery (for example, any change of terms notice, any annual privacy statement or any other notice that is required by applicable law or any agreement between you and us) or any other communication for a selected account that you elect to have sent, and we agree to send, to you through Electronic Statement Delivery (for example, an automated clearing house, wire transfer or insufficient funds notice).
  2. Confirmations. You confirm to us that: a. You have the computer hardware and software necessary to allow you to receive emails from us and to electronically, view and print each electronic document; b. When provided to us, your email address is or will be a valid email address; c. You agree to receive electronically, and we no longer need to send you a paper copy of, any electronic document.
  3. Acknowledgment of risk. You acknowledge that there are risks associated with sending a notice to an email address (for example, disruption of service, contamination by a computer virus and, because email is not private or secure, unauthorized access to the notice and information it contains).
  4. Email notice. Once Electronic Statement Delivery takes effect for any selected account, whenever any electronic document for that selected account is ready to be made available to you at our website, we will send to your email address a notice that the electronic document is available to you at our site. Except when applicable law requires otherwise, the notice will be the only notice we send to you concerning the availability of the electronic document to you. You acknowledge that the notice will constitute delivery of the electronic document to you, whether or not you view or print it. You must not respond to the notice by email (for example, by using the reply function) in order to request information, service or a paper copy of any electronic document or other item or to terminate your enrollment in Electronic Statement Delivery, and we will not be responsible for responding to any request or termination of the enrollment made by your responding to the notice by email. Contact us of any change in your email address or any errors or complications relating to your email alert or access to your Bank Statement.
  5. Paper copies. At any time after you enroll in Electronic Statement Delivery, we will discontinue mailing paper copies of electronic documents. For as long as we are required by applicable law to keep a copy of any electronic document, you may request a paper copy of the electronic document by calling our Customer Care Center at 1.866.856.2265 or visiting any community office. You must pay us any applicable charge for the paper copy. Your request for the paper copy will not constitute a request to terminate your enrollment in Electronic Statement Delivery. Even if we discontinue sending paper copies of electronic documents, we may resume sending them (for example, because we believe that you are not receiving notices that an electronic document is available to you at our website or because we believe that a change in the computer hardware or software required for Electronic Statement Delivery creates a risk that you may not be able to receive electronically, view and print electronic documents). If any selected account is closed, the final periodic statement for that selected account that we send you will be an electronic copy.
  6. E-mail address. You must promptly notify us or correct any change in the e-mail address to be used by you in connection with Electronic Statement Delivery.
  7. Computer, related equipment and services and software. The selection, installation, maintenance, operation and use of the computer, related equipment and services (for example, telecommunications equipment or internet access service) and software you use for Electronic Statement Delivery are your responsibility, and you assume all risks of loss resulting from the selection, installation, maintenance, operation or use of the computer, related equipment and services and software. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY DAMAGES (FOR EXAMPLE, ACTUAL, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE AND EXEMPLARY DAMAGES), WHETHER ARISING FROM BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE OR OTHER TORT OR STRICT LIABILITY OR OTHERWISE, THAT RESULT FROM ANY ERROR IN SELECTING, INSTALLING, MAINTAINING, OPERATING OR USING, UNAVAILABILITY, FAILURE, MALFUNCTION OR INTERRUPTION OF, COMPROMISE OF DATA SENT USING OR VIRUS OR SIMILAR PROBLEM RESULTING FROM THE EQUIPMENT, SERVICE OR SOFTWARE, EVEN IF WE ARE NOTIFIED OF OR OTHERWISE KNOW OR SHOULD KNOW OF THE POSSIBILITY OF THOSE DAMAGES.
  8. DISCLAIMER OF WARRANTIES. WE DO NOT MAKE, EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, AND WE EXPRESSLY DISCLAIM, TO THE EXTENT ALLOWED BY APPLICABLE LAW, ANY EXPRESS, IMPLIED, STATUTORY OR OTHER WARRANTY OF ANY KIND (FOR EXAMPLE, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE) CONCERNING ELECTRONIC STATEMENT DELIVERY.
  9. LIMITATION OF LIABILITY. EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, IN NO EVENT IN PROVIDING ELECTRONIC STATEMENT DELIVERY WILL WE BE LIABLE FOR: a. ANY DAMAGES NOT RESULTING DIRECTLY FROM OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; b. ANY DAMAGES (FOR EXAMPLE, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE AND EXEMPLARY DAMAGES) IN ADDITION TO ACTUAL DAMAGES, WHETHER ARISING FROM BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE OR ANY OTHER TORT OR STRICT LIABILITY OR OTHERWISE, EVEN IF WE ARE NOTIFIED OF OR OTHERWISE KNOW OR SHOULD KNOW OF THE POSSIBILITY OF THOSE DAMAGES; c. ANY FAILURE TO TAKE OR DELAY IN TAKING ANY ACTION IF THAT FAILURE OR DELAY IS DIRECTLY OR INDIRECTLY CAUSED BY ANY OCCURRENCE OR CONDITION BEYOND OUR REASONABLE CONTROL, SUCH AS A FLOOD OR OTHER NATURAL CATASTROPHE, WEATHER CONDITION, FIRE, RIOT OR OTHER CIVIL DISOBEDIENCE, ACT OF WAR OR TERRORISM, NATIONAL EMERGENCY, EMBARGO, STRIKE OR OTHER LABOR DISPUTE, DEFECT IN OR UNAVAILABILITY, FAILURE, MALFUNCTION OR INTERRUPTION OF ANY EQUIPMENT, SERVICE OR SOFTWARE (FOR EXAMPLE, A TELECOMMUNICATION, INTERNET ACCESS, ELECTRONIC OR OTHER MAIL, COURIER OR OTHER TRANSMISSION OR COMMUNICATION SERVICE) OR ACTION OR INACTION OF ANY GOVERNMENTAL BODY OR SERVICE PROVIDER); OR d. ANY FAILURE TO TAKE OR DELAY IN TAKING ANY ACTION IF THAT FAILURE OR DELAY IS EXCUSED BY, OR BY THE REQUIREMENT OF COMPLIANCE WITH, APPLICABLE LAW OR ANY GUIDELINE OR PROGRAM OF ANY AGENCY OR OTHER GOVERNMENTAL BODY.
  10. Termination of enrollment. We may terminate your enrollment in Electronic Statement Delivery by sending you a notice of the termination and its effective date at your e-mail address or the mailing address shown for you in our records relating to the account. You may terminate your enrollment in Electronic Statement Delivery through Online Banking or by calling our Customer Care Center at 1.866.856.2265 or visiting any of our community banking offices. The termination can take as long as 60 days after the date we receive notice of the termination from you to take effect. Any termination of your enrollment in Electronic Statement Delivery will be effective for each selected account. Any termination of your enrollment in Electronic Statement Delivery will not affect the validity or legal effect of any electronic document provided to you before the termination takes effect.
  11. Joint accounts. If any selected account is a joint account, any holder of that selected account may enroll in or terminate enrollment in Electronic Statement Delivery. All joint holders of any selected account will be bound by the enrollment or the termination of the enrollment.
  12. Reasonable time to act. A reasonable time for us to act on any information, notice, order or other communication or document received by us in connection with Electronic Statement Delivery will not end until at least the close of business on our second business day after our business day we receive the information, notice, order or other communication or document.
  13. Monitoring communications. In the regular course of our business, we may, for the purpose of quality control, monitor and record telephone, e-mail and other communications between you and any of our employees and other agents in connection with Electronic Statement Delivery.
  14. Changes in agreement. No change in this agreement can be made except as provided in this section. We may change this agreement or any aspect of Electronic Statement Delivery. We will send you a notice of the change and its effective date at your e-mail address or the mailing address shown for you in our records relating to your account. Unless we determine that the change is required by an emergency, we will send you the notice at least 30 days before the effective date of the change.
  15. Changes in fees. We may establish a new fee or change an existing fee that you must pay in connection with Electronic Statement Delivery. If we establish a new fee or increase an existing fee that you must pay in connection with Electronic Statement Delivery, at least 30 days before the date the new fee or increase takes effect, we will send you a notice of the new fee or increase and its effective date at your e-mail address or the mailing address shown for you in our records relating to your account. We will not have to notify you if we decrease or eliminate an existing fee that you must pay in connection with Electronic Statement Delivery.
  16. No notice or loss of rights. We may exercise, give up, fail to exercise or delay exercising any of our rights under this agreement or with respect to you or Electronic Statement Delivery without notifying you. By on any occasion exercising, giving up, failing to exercise or delaying the exercise of any of those rights, we will not lose that right on any other occasion or lose any other of those rights.
  17. Giving up of rights by us. None of our rights under this agreement or with respect to you or Electronic Statement Delivery can be given up by us except in a writing signed by us.
  18. No transfer by you. You may not transfer any of your rights and obligations under this agreement or with respect to Electronic Statement Delivery to anyone else. Any transfer by you of any of those rights and obligations will be void.
  19. Transfer by us. We may transfer any of our rights and obligations under this agreement or with respect to Electronic Statement Delivery to anyone else.
  20. Permitted actions. We will not be obligated to take or liable for not taking any action in connection with Electronic Statement Delivery that this agreement or applicable law allows but does not require us to take. Except to the extent limited by this agreement or applicable law, we may at any time, in our sole discretion, for any reason and without notifying you or obtaining your consent, take any action in connection with Electronic Statement Delivery that this agreement or applicable law allows us to take. For example, except to the extent limited by this agreement or applicable law, we may at any time, in our sole discretion, for any reason and without notifying you or obtaining your consent, terminate your enrollment in Electronic Statement Delivery or change this agreement.
  21. Conflicts. If any part of this agreement conflicts with applicable law, that law will control, and this agreement will be considered changed to the extent necessary to comply with that law.
  22. Continued effectiveness. If any part of this agreement is determined to be invalid, the rest of this agreement will remain in effect.
  23. What law applies. Any legal question concerning this agreement or Electronic Statement Delivery will be decided in accordance with, to the extent applicable, federal law and, to the extent that federal law is inapplicable, Pennsylvania or Maryland State law based on the state in which the account holder’s community office resides without regard to the law of any other state or other jurisdiction.
  24. Entire agreement. This agreement is the final and complete agreement between you and us concerning Electronic Statement Delivery. Any statement concerning Electronic Statement Delivery made by any of our employees or anyone else is not part of this agreement. This agreement replaces any other agreement now existing between you and us concerning Electronic Statement Delivery.
  25. Consent, agreement, acknowledgment and confirmation. By enrolling in Electronic Statement Delivery, you consent to receiving electronic documents, agree to be bound by all provisions of this agreement, acknowledge receipt of a copy of this agreement and confirm that you are able to receive e-mails from us and to receive electronically, view and print electronic documents.

 

Mobile Banking Agreement and Disclosures

Subject to the terms of this Agreement, you may use the Standard Bank PaSB (“Standard”) Mobile Banking Services to access and manage your checking, savings, money market, certificate of deposit and consumer loan accounts.  The types of Standard Mobile Banking Services are described generally in this agreement and more fully on our Website and may change from time to time, at our sole option.  You agree and understand that you are solely responsible for acquiring and maintaining an Eligible Mobile Device that can access the Standard Mobile Banking Services and that you are responsible for all costs associated with same.  Not all transactions and services are available for all products.  You understand that this agreement governs your access to and use of Standard Mobile Banking Service

Transactions available:

Scan and deposit check images into your Standard checking, savings and money market accounts. Check Deposit allows you to make deposits to your accounts remotely by scanning checks and transmitting images of such checks to us in compliance with the Check Deposit Terms in your Deposit Agreement.

  • View checking, savings, money market, certificate of deposit and consumer loan accounts balance(s) and transactions.
  • Transfer funds between Standard checking, savings and money market accounts.
  • Use Bill Pay services to:
  • Make payments to Payees

Services available:

  •  Receive Mobile Banking Alerts
  • Other Mobile Banking Services as they become available

In order to access Standard Mobile Banking services you must have a username, a password and the required Eligible Device as described in this Agreement.  You must comply with any security procedures and policies we may establish from time to time.

  • Authorized Transactions: You agree to safeguard your mobile device, username and password.  If you give someone your mobile device, Standard Mobile Banking Service username and password, you are authorizing that person to use the Standard Mobile Banking Service in your name, and you are responsible for all transactions the person performs using your mobile device, Standard Mobile Banking Service username and password. All transactions performed by that person, even those transactions you did not intend or want performed, are authorized transactions.
  • Unauthorized Transactions: Tell us AT ONCE if you believe that your mobile device, Standard Mobile Banking Services username and/or password have been lost, stolen or otherwise compromised.  The best way to minimize any losses or other adverse consequences is to call us immediately at 1.866.856.2265.
  • Log Out: For your protection, log out after every Standard Mobile Banking Service session to ensure confidentiality.
  • System Maintenance: At certain times, Mobile access to some or all of your Standard accounts may not be available due to system maintenance or circumstances beyond our control.
  1. Overview
    This section sets forth additional terms and conditions that shall apply if you use an Eligible Mobile Device, as defined below, to access our Mobile Banking Services.  All terms listed in this Agreement constitute the entire agreement between us and you relating to the Standard Mobile Banking Services, supersede any other agreements relating to the Standard Mobile Banking Services, and may only be amended by us.  If there is a conflict between the terms of this agreement and any other agreement entered into between you and Standard, the terms of this agreement shall govern your use of the Standard Mobile Banking Services.
  2. Definitions
    • “Eligible Mobile Device” means (1) with respect to a Mobile App, a data-enabled cellular phone or other recognized mobile device that runs a Standard Mobile Banking supported version of either the Android or Apple platform, and (2) with respect to the Mobile Web, any cellular phone or other recognized mobile device with the capability to access the internet, and (3) any cellular phone or other recognized mobile device with the capability to send and receive SMS text messages.
    • “Mobile App” means the Standard Bank software application available for download on Eligible Mobile Devices, through which the Mobile Banking Services may be accessed.
    • “Mobile Services” means the Mobile Banking Services available to Standard account holders through the Mobile Web, Mobile Apps and Mobile SMS. Mobile Banking Services currently consist of (1) viewing Standard account balances; (2) viewing Standard account transaction history; and (3) transferring funds between certain Standard accounts.
    • “Mobile Web” means the mobile-optimized version of the authenticated portions of the Standard Website, through which Mobile Services may be accessed.
    • “Software” means (1) all software elements and peripherals; (2) related documentation and services; and (3) all upgrades and updates that replace or supplement the foregoing, as existing in the Mobile Web and the Mobile Apps. We reserve the right to change the Software at any time without prior notice.
  3. Equipment and Related Obligations; Upgrades
    Should you choose to access our Mobile Services, you are responsible for obtaining, maintain, and operating an Eligible Mobile Device to achieve such access.  Standard Bank shall not be responsible for any failure or errors from the malfunction of your equipment.The Software may not be compatible with every mobile device.  Standard Bank requires that you use an Eligible Mobile Device, because they are the devices for which our Mobile Apps and Mobile Web are designed.  However, Standard Bank does not represent or warrant the performance or operation of any Eligible Mobile Device.  You are responsible for selecting an Eligible Mobile Device, and all issues relating to the operation, performance and costs associated with such device are between you and your wireless telecommunications provider and/or the individual/entity that sold or provided you with such device.You also accept responsibility for making sure that you understand how to use your Eligible Mobile Device as well as the Software.  You understand that we may change or upgrade the Software from time to time and that, in such event, you are responsible for making sure that you understand how to use the Software as upgraded or changed.  You also acknowledge that we may condition your continued use of the Software on your acceptance of upgrades of the Software.  While your personal settings and preferences may be retained, there is still the possibility that they may be lost during such an upgrade process and you should backup and verify your personal settings and preferences.
  4. Access to Mobile Services; Lost or Stolen Devices
    You may access the Mobile Services through an Eligible Mobile Device, and you understand that the terms of this agreement govern your obligation for access to Standard Mobile Banking Services, including, without limitation: required security procedures; safeguarding your mobile device and login credentials (user name and password) that allow you access to Standard Mobile Banking Services.You agree to take every precaution to ensure the safety, security and integrity of your accounts and transactions when using the Mobile Services.  You agree not to leave your Eligible Mobile Device unattended while logged into the Mobile Services and to log off immediately upon the completion of each access session.  If your Eligible Mobile Device is lost, stolen or used without your authorization, you agree to make the appropriate or necessary changes to disable the use of the eligible Mobile Device including contacting your wireless telecommunications provider to effectuate such change.  You understand that there are risks associated with using a mobile device, and that in the event of theft, loss, or unauthorized use, your confidential information could be compromised.  You accept those risks.
  5. Software and Mobile Services Limitations
    • Neither we, nor our Vendors, can always foresee or anticipate technical or other difficulties related to the Software. These difficulties may result in a loss of data or personal settings and preferences, dropped connections, disabled features or other Mobile Services interruptions.  Should this happen, review your transaction status to verify the status of any attempted transaction when you return to an area with wireless coverage or where you have access to a computer.  Neither we, nor any of our vendors, assume responsibility for the timeliness, deletion, misdelivery, or failure to store any user data, communications, or personalization settings in connection with your use of the software, nor do we or our vendors assume any responsibility for any disclosure of account information to third parties as a result of the action or inaction of you or your wireless telecommunications provider.
    • Neither we, nor any of our vendors, assume responsibility for the operation, security, functionality, or availability of any mobile device or wireless telecommunications network which you use to access Mobile Services.
    • You agree to exercise caution when using the Mobile Services on your eligible Mobile Device and to use good judgment and discretion when obtaining or transmitting information.
    • Information about your Mobile banking activity is synchronized between the Software and the Website. Information (including transfer information) available via the Software may differ from the information that is available directly through the Website.  Information available directly through the Website may not be available via the Software, may be described using different terminology, or may be more current than the information available via the Software, including, but not limited to, account balance information.  Additionally, you agree that neither we, nor our vendors, will be liable for any errors or delays in the content displayed via the Software, or for any actions taken in reliance thereon.
  6. Fees
    Standard Bank does not currently charge a fee for using the Standard Mobile Banking Services. Please review your Standard Deposit Agreement for other applicable account fees.
  7. User Conduct
    You agree that you will not use the Software or any content delivered to you as part of your use of the Mobile Services in any way that would: (1) infringe any third party copyright, trademark, trade secret, patent, or other proprietary rights or rights of publicity or privacy, including any rights in the Software; (2) be fraudulent or involve the sale of counterfeit or stolen items; (3) impersonate another person or entity; (4) be false, misleading, or inaccurate; (5) create liability for Standard Bank or our affiliates or vendors, or cause us to lose (in whole or in part) the services of any of our vendors; (6) interfere with or disrupt computer networks connected to the Software; (7) interfere with or disrupt the use of Mobile Services by any other user; (8) use the Standard Mobile Services in such a way as to gain unauthorized entry or access to the computer systems of others.
  8. Privacy
    Use of the Mobile Services involves the electronic transmission of personal financial information across the networks of your wireless telecommunications provider.  Because we do not operator or control the wireless networks used to access Mobile Services, we cannot guarantee the privacy or security of wireless data transmissions.  Additionally, for eligible Mobile Devices, the browser is generally pre-configured by your wireless telecommunications provider.  Please check with them for information about their privacy and security practices.  Upon receipt of your data or information, Standard Bank will treat it in accordance with our privacy and security policies.
  9. Prohibited Uses of the Mobile Banking Services
    You may not use the Mobile Banking Services for activities that include, but are not limited to:
    • Relating to the purchases or sales of:
      • Illegal or controlled drugs and other substances;
      • Drug paraphernalia
      • Items that encourage, promote, facilitate or instruct others to engage in illegal activity;
      • Items that promote hate, violence, racial intolerance, or the financial exploitation of a crime;
      • Items that are considered obscene;
      • Items that infringe or violate any copyright, trademark, right of publicity or privacy or any other proprietary right under the laws of any jurisdiction.
    • Relating to transactions that:
      • Show the personal information of third parties in violation of applicable law;
      • Violate applicable laws (including anti-money laundering and export control requirements), statutes, ordinances or regulations.
      • Involve gambling, gaming and/or any other activity with an entry fee and a prize, including, but not limited to casino games, sports betting, horse or greyhound racing, lottery tickets, other ventures that facilitate gambling, games of skill (whether or not it is legally defined as a lottery) and sweepstakes unless the operator and customers are located exclusively in jurisdictions where such activities are permitted by law.We reserve the right to restrict categories of Payees to whom payments may be made using the Standard Mobile Banking Services and to refuse payment to a Payee in our sole discretion.
  10. Alternate Methods for Accessing Account Information and Services
    Standard Bank will not be liable for any losses resulting from circumstances over which we have no control, including, but not limited to, the failure of electronic or mechanical equipment or communications lines, telephone or other interconnect problems, operator errors, log-in sequences, war and other acts of hostility, severe weather, earthquakes, floods, or other such events. You acknowledge that there are alternate methods for accessing the information and processing the transactions provided by the Standard Mobile Banking Service, such as making payments by check or check card or by contacting Customer Care at 1.866.856.2265, by vising a Standard Bank Branch, or by using the Standard Bank website. In the event you should experience problems in accessing Standard Mobile Banking Services, you will attempt to access such information and perform such transactions by these alternate methods
    • Where it is necessary for completing or tracing transfers, bill pays, or resolving errors or claims;
    • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant or other financial institution;
    • In order to comply with government agency, bank regulators, court orders or other legal process;
    • To our employees, auditors, service providers or attorneys in the course of their duties;
    • To other companies affiliated with us;
    • To others with your consent; and
    • Whenever required by law
  11. Termination – We may modify, suspend or terminate your privilege of using Bill Payment Services and may withhold approval of any transaction, at any time, without prior notice to you. If prior notice is required by regulation, you agree that any required notice may be sent electronically at your Standard Bank electronic address. If you do not access Bill Payment for any 3-month period, for your protection, we reserve the right to discontinue this service. In the event we terminate Bill Payment, we will try to notify you in advance but are not required to do so. You will be notified as soon as practicable. Any one person who can use the account accessible with Bill Payment may terminate Bill Payment by writing us at:Standard Bank
    Operations Department
    2640 Monroeville Blvd.
    Monroeville, PA  15146Termination shall not affect the rights and obligations of the parties for transactions made with Bill Payment Services before we have had reasonable time to respond to your termination request.
  12. Third Parties – You understand that support and services relating to Bill Payment Services are provided by third parties other than us, and you authorize us to contract with third parties to provide such support and service. We also reserve the right to assign or delegate certain of our rights or responsibilities under this agreement to other independent contractors or other third parties.You may not assign this Agreement, in whole or in part, or delegate any of your responsibilities under this Agreement to any third party or entity.
  13. Amendment – We may amend this Agreement at any time. Notice will be sent to you at your current address in our files, or you agree that we may communicate with you any amendment by electronic message as allowed under applicable laws and regulations. Amendments will be effective upon the date indicated in the notice. By accessing Bill Payment Services after the amendments have been made, you agree to be bound by the amended agreement.
  14. Limitations, Priority and Performance of Transactions – For security purposes, we may, from time to time, limit the number and dollar amount of any payments made through Bill Pay, notwithstanding the amount in you accounts, and terminate or suspend Bill Pay without notice unless otherwise required by law or regulation.If at any time you perform transactions (whether Bill Pay or other types of electronic or paper based transactions) on your account, and that account contains insufficient funds to allow all of the transactions to be performed, we may, at our sole discretion, choose which transactions we will allow to be performed, and we may refuse your other transactions (including your Bill Pay transactions).  Alternately, we may, at our sole discretion, allow all such transactions to be performed and create an overdraft on your account.  You agree to immediately reimburse us for the amount of the overdraft, and to pay any overdraft charges that may apply as set forth in our most recent fee schedule.
  15. Periodic Statements – Your Standard Bank bill payments will appear on your periodic account statement.
  16. General – This Agreement is intended to supplement and not to replace other agreements between you and us relating to your accounts including, without limitation, our Deposit Account Rules and our Consumer ONLine Banking Agreement and Disclosures. In the event of a conflict between the Agreement and any other account rules and agreements that apply to your accounts, this Agreement shall govern and prevail.
  17. Standard Bank Text BankingThe wireless carriers are not liable for delayed or undelivered messages. One text message per query. Message and data rates may apply. Learn more about Standard Bank’s Privacy Policy. To opt out or stop text banking, text “STOP” to 49794. For help, text “HELP” to 49794. For help, call our local Customer Care Center during local business hours: 1-866-856-2265.

    Supported carriers for text banking include:

    AT&T   Cricket  U.S. Cellular  CellSouth  Element Mobile
     Sprint  Google voice  nTelos  Pioneer Cellular US  MTA Communications
     T-Mobile  U.S. Cellular  Cellcom US  United Wireless  DTC Wireless US
     Verizon Wireless  MetroPCS  Carolina West US  Appalachian Wireless  Pine Cellular
    Sagebrush Cellular USA Chariton Valley Cellular Bandwidth USA Epic Touch USA CTC Telecom Mosaic USA
    Peoples Wireless USA

    Siwireless USA

    RINA USA Layered Communications Cellular One NE AZ USA
    Bluegrass MobiPCS USA Alaska DigiTel Duet IP Wireless Communications
    Venture USA
    Cell 1 East Cent IL
     Illinois Valley  Immix  Inland  Nex Tech Wireless  ACS Alaska
     Golden State US  Plateau US  MTPCS  NW Missouri USA  Chat Mobility USA
     Thumb Cellular US  West Central WCC  SRT Wireless USA  iWireless  Viaero Wireless US
     SouthernLinc Wireless USA  AIO Wireless aka Jasper  Panhandle USA  Flat Wireless USA  Copper Valley USA
     Cablevision USA  eaco Rural Telephone USA  Union Wireless USA    

 

Mobile Deposit Services

The mobile deposit services (the “Services”) are designed to allow you to make deposits to a qualified Standard Bank checking, savings, or money market accounts using certain mobile devices. The device must be capable of capturing electronic images of the front and back of checks and transmitting the images to us.  All requirements and obligations in the Deposit Account Rules and Regulations relating to checks are applicable to your use of Mobile Deposit, including the Consumer Funds Availability Policy. You must be enrolled in both online and mobile banking services to use Mobile Deposit.  Mobile Deposit is a convenience. We reserve the right to discontinue your use of Mobile Deposit for any or no reason. Correspondence regarding mobile deposits will be sent via EMAIL.

  1. Qualifications For and Information Regarding the Services
    Provision of the Services to you is at the Bank’s sole discretion.  For new customers, in order to qualify for the Services, the account with the Bank must have been open for a minimum of 30 days and cannot have had any overdrafts or delinquent loans, and the account must otherwise be in good standing.  For existing customers, the account must be in good standing.
  2. Eligible Items
    The following items are ineligible:  Third party checks, savings bonds, and foreign checks.
  3. Endorsements and Procedures
    Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein.  If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided.  You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework.  The daily cut-off time for Personal RDC deposits is 3:00 p.m. EST.  Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you.  If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day.  Bank may accept these deposits and they will be processed on Bank’s next Business Day.  Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code.   The availability of funds for deposits via the Services is set forth in this Agreement.  All checks submitted through the Services must be properly endorsed by you prior to transmittal.   Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are for “Mobile Deposit Only”.   Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.  Bank has no responsibility or liability for any fees incurred due to the rejection of transmitted items for missing/incomplete endorsements.
  4. Receipt of Items
    In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank.  Any confirmation from Bank that we have received the image does not mean that the image contains no errors.   Bank is not responsible for any image it does not receive.  The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability.  The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission.  The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item.  You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item.  Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image.
  5. Availability of Funds
    You agree that items transmitted using this Service is not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” deposit.  Generally, and except as otherwise provided herein, items transmitted using this Service will be available subject to the Bank’s approval.  Deposits can be made with Mobile Remote Deposit at any time.  If your deposit is approved before our daily cutoff time (3:00 p.m.), your deposit will post to your account the next business day.  You acknowledge that all credits given by the Bank for an item are provisional, subject to verification and final settlement.  The Bank shall have no liability for the return or refusal of any item.
    • The Bank may also delay in making funds available due to the following circumstances:
    • The Bank suspects the check you deposited may not be paid
    • You redeposit a check that has been returned unpaid
    • You have overdrawn your Account repeatedly in the past six months
    • There is an emergency, such as failure of computer or communications equipment
    • The Bank believes a check you deposited is a duplicate image
    • The Bank exercises its rights to investigate any unusual or suspicious items as determined by the Bank’s sole discretion
    • The Bank will notify you if there is any type of delay in your ability to withdraw funds for any of these or other reasons, and the Bank will attempt to tell you when the funds will be available.
  6. Retention and Security of Original Checks
    Upon your receipt of a confirmation from the Bank that the Bank has received an image that you have transmitted, you agree to retain the check in safekeeping in a secure environment for at least thirty (30) calendar days from the date of the image transmission.  After thirty (30) days, you agree to destroy the check that you transmitted as an image, mark it “VOID” or otherwise rendor it incapable of further transmission, deposit, or presentment.  Image quality is reviewed by the Bank after submission; however, if the receiving bank does not accept the image, you may be required to present the original check for payment.  During the time the retained check is available, you agree to promptly provide it to the Bank upon request.  The Bank assumes no liability for losses you may incur if the receiving bank does not accept your image and you are unable or unwilling to present the original check for payment.  You agree that you will never re-present the original check.  You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
  7. Deposit Limits
    The Bank may establish limits on the dollar amount and/or number of items or deposits from time to time that you make via the Services.  If you attempt to initiate a deposit in excess of these limits, the Bank may reject your deposit.  If the Bank permits you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and the Bank will not be obligated to allow such a deposit at other times.  The current daily limit is 10 checks totaling $2,500.00 per business day and 20 checks monthly totaling up to $5,000.00.  Daily and monthly deposit limits may vary for users of other services provided by the Bank.
  8. Presentment
    The manner in which the items are cleared, presented for payment, and collected shall be in the Banks sole discretion, subject to the Deposit Terms and Conditions or other agreements governing your account.
  9. Errors
    You agree to notify the Bank of any suspected errors regarding items deposited through this Service right away, and in no event later than sixty (60) days after the applicable Bank account statement is sent.  Unless you notify the Bank within sixty (60) days, such statement regarding all deposits made through this Service shall be deemed correct, and you are prohibited from bringing a claim against the Bank for such alleged error.
  10. Errors in Transmission
    By using this Service you accept the risk that an item may be intercepted or misdirected during transmission.  The Bank bears no liability to you or others for any such interception or misdirected items or information disclosed through such errors.
  11. Returned Deposits
    Any credit to your account for checks deposited using the Services is provisional.  If original checks deposited through Services are dishonored, rejected or otherwise returned unpaid by the drawee bank, or any rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that Bank may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check.  You will reimburse Bank for all loss, cost damage or expenses caused by or relating to the processing of the returned item.   Without Bank’s approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.
  12. Image Quality
    Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the bank of the original check.  The image of an item transmitted to the Bank using this Service must be legible, as determined in the sole discretion of the Bank.  Without limiting the foregoing, the image quality of the items must comply with the requirements established under Reg. CC and otherwise from time to time by the Bank, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.  The Bank accepts no liability and makes no guarantee that its image standards will be acceptable to other banks when presented for payment.  We have the right to adjust the amount of any deposit based on our review of the image.  You authorize us to process any check image you transmit to us and you allow us, at our sole discretion, to convert check images and process check images through traditional check processing.
  13. Mobile Deposit Unavailability
    When using the Services, you may experience technical or other difficulties.  The Services may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software.  In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches, via mail, night depository,  teller transaction or via our Automated Teller Machines.  Bank will attempt to post alerts on our website or send you a targeted notification to you, of these interruptions in Service.  Bank 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 Bank reserves the right to change the qualifications at any time without prior notice.  Bank reserves 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.
  14. Compliance with Law
    You will use the Services for lawful purposes and in compliance with all applicable laws, rules and regulations.  You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations, including the sanctions laws administered by OFAC and the Bank Secrecy Act.
  15. Termination
    The Bank may terminate this Agreement at any time and for any reason,   This Agreement shall remain in full force and effect unless and until it is terminated by the Bank.  Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use this Service for any unauthorized or illegal purposes or you use this Service in a manner inconsistent with the terms of your Deposit Terms and Conditions or any other agreement with the Bank.
  16. Customer Service
    If you have any questions, complaints or claims with respect to the Services, you may contact Bank by phone toll free at 1-866-856-2265.

 

People Pay Disclosure

  1. Overview
    I understand that by selecting the People Pay service through Standard Bank’s Online Banking and accepting these terms and conditions, I authorize Standard Bank to post transactions generated by People Pay through my Standard Bank account to another account at a U.S. financial institution or PayPal™ for payment to another individual.  I understand and agree that Standard Bank uses a variety of banking channels and facilities to make payments, but will ordinarily use an Automated Clearing House (ACH) Network for People Pay transactions.  All payments to another person made through People Pay are subject to all terms and conditions within this Agreement and all other agreements connected with my accounts.In addition, I understand that I may receive funds through the People Pay service from a payment generated by another individual.  I hereby acknowledge that the receipt of money from another person is subject to the terms and conditions of other account agreements between me and Standard Bank.I understand and agree that when I initiate a payment from my Standard Bank checking account or Money Market account using People Pay, the processing of the payment will begin and the debit from my account may occur immediately.  Debits for payments requested to be made by use of a direct check will occur when the check has been negotiated by the recipient and the check has been processed.  Receipt of the funds by the recipient will be dependent on the acceptance of the payment by the recipient and whether information requested from the recipient has been provided.

    I understand and agree that Standard Bank is relying upon the information I provide when originating a payment on my behalf.  Any errors, including incorrect or inconsistent recipient names, email addresses, mobile phone numbers or account numbers are my responsibility.  I understand and agree that Standard Bank has no responsibility to investigate discrepancies between names, email addresses, mobile phone numbers or account numbers.  I further understand that financial institutions holding recipient accounts are not responsible for investigating discrepancies between names and numbers.

  2. Cut-off Times
    Depending on the type of payment method selected, payments conducted through People Pay may be completed in real time (i.e. instantaneously) or there may be a slight delay in the debiting and/or crediting of a particular account.  You understand and acknowledge that there may be a delay in the debiting or receipt of funds through People Pay.
  3. People Pay Limitations
    There are transaction limits for payments to another person through the People Pay service.  The limits are determined by your selected payment method, as described in the following table:
    Method of Payment Transaction Limit Aggregate Limit Per Day
    Account to Account $500 per transaction $500 per day
    Send to Email or Mobile Number (hereinafter referred to as “Recipient Chooses”) $500 per transaction $500 per day
    PayPal™ $500 per transaction $500 per day
  4. Cancellation of Payment
    A payment request that has been initiated through PayPal™ or Recipient Chooses may not be canceled unless the recipient has not yet accepted the payment.  Inquiries on cancellations must be directed to the Standard Bank Customer Care Center at 1.866.856.2265.
  5. Expired Payments
    Payments conducted through PayPal™ will not expire, as they happen in real time and will either succeed or fail immediately.  If the recipient does not wish to open a PayPal™ account, you will have to allow the PayPal™ payment to expire (after 30 days) before the debited amount is returned to your account.  Payments conducted through Recipient Chooses will expire in 10 calendar days; however, an alert regarding the upcoming expiration will be sent to both you as the sender and the recipient.
  6. Rejections of Payments
    Payments to another person may not be completed for various reasons, in our sole discretion.  For example, if information provided for the recipient is inaccurate or if identity verification is not completed, the payment may be placed on hold or the amount of the payment may be returned to your account.  Similarly, if you have insufficient funds in your accounts or the payment is otherwise prohibited by the terms of this Agreement, the payment may not be completed.  An email alert will be sent notifying you of the error.
  7. Insufficient Funds
    You will reimburse Standard Bank immediately upon demand for any transaction amount delivered for which your account does not contain sufficient funds.  In addition, you will reimburse us for any fees or costs we incur in attempting to collect any amounts from you.  We are authorized to report the return of a transaction to any credit reporting agency.
  8. Third Party Fees
    You understand and acknowledge that the use of third-party services (for example, PayPal™) may result in a payment fee being applied by the third-party vendor to any transferred funds.  Such fees are governed by any agreements and disclosures provided by the applicable third-party vendor.  Standard Bank is not liable or responsible for any such transaction fee.
  9. Proprietary Rights
    You acknowledge and agree that Standard Bank and parties within whom it has contracted own all rights in and to the People Pay service.  As such, you understand that you are only allowed to use People Pay in the manner designated by this Agreement.
  10. Termination
    Access to the People Pay service may be suspended or terminated at the discretion of Standard Bank at any time.  Cancellation of the People Pay service is not required as it is a service provided through the Standard Bank Online Banking connection.  However, should you cancel your Online Banking through Standard Bank you will also disconnect any ability to continue making payments through the People Pay service.

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