Call us at the toll-free number listed in the "Bank Contacts" section at the end of this document as soon as you can if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. This reward is only available for redemption on coach tickets priced below $1,000.00. If 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 caused by such failure. If you believe we have failed to credit a transfer to you properly, or that a wire transfer has been made from your account in error or without your authority, you agree to notify us promptly. If you have provided us with your cell phone number, you consent and agree to accept calls and text messages to your cell phone from us. Your continued use of a joint account originally created under Section 41-2.1 constitutes your acceptance of this modification, which shall be binding upon you and your estate. If you have any questions concerning your accounts, please contact us using the "Bank Contacts" information (Part F) at the end of this Agreement or visit your nearest First Citizens Bank office. Your account is subject to and will be administered in accordance with the applicable state laws (as amended from time to time) that govern the type of account you open or maintain with us. You authorize and approve our use of such procedures and of agents to handle our processing. Redemptions start as low as $25 rewards dollars. The terms and conditions of this Agreement are in addition to the terms and conditions of any deposit account agreements governing accounts that can be accessed through electronic fund transfers. I want people to know the gravity of what Teen Cancer America can do. If you close your account during the grace period, you will not earn interest after the maturity date. We will not be responsible for your agent's breach of fiduciary duty or the misapplication of funds from your account. If an account qualifies as abandoned property and you have failed to respond to any notices we send you, we are required by law to pay the amounts on deposit to the appropriate state. We reserve the right to process and post items in any order we determine. If your account is a traditional IRA account, the time period after which your account is considered inactive begins after you reach the age of 701/2 and varies in length by state law. These transactions are referred to as "PIN," "PIN-based" or "online" debit card transactions. Log In To Open Your Basic Business Checking Account, Log In To Open Your Business Savings Account, Log In To Open Your Premier Business Checking Account, Log In To Open Your Premium Money Market Savings Account, Select if this is your first time logging in to digital banking, Select to log in to BOB/Commercial Advantage, Learn more about a Premier checking account, Learn more about a Prestige checking account, Learn more about Accelerated Earnings credit cards. I remember so vividly walking into the unit and just looking in the doors. If you deny such involvement we may ask you to provide us with a certification to that effect. Each NSF situation will be addressed on a case-by-case and item-by-item basis. We advise you to verify the source of all wire transfer instructions before you transmit these instructions to us. Actual interest equals the APY only when the term of the time deposit is exactly one year (365 days) and no funds, including accrued interest, are removed from the account during the term. Your business must be a sole proprietorship, an, Include documentation responsive to your request, Notify you that we may need additional time to respond to your request. You can use your Visa Debit card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member to: In addition to the ATM transactions listed above, you can use your Visa Debit card to conduct PIN-based transactions to purchase goods and services at any business or merchant that has agreed to accept debit cards and that displays the logo of one of the networks in which we participate. We must receive this writing within 10 business days of your oral notice. Withdraw cash from your account. We may offer you different methods for delivery of your deposits to us, including, for example, by in-person presentment to a branch teller, deposit by mail, deposit into our night depository facilities, delivery over-the-counter for later processing, delivery by courier service, and by electronic transmission. Automated Clearing House (ACH) credit transfers (e.g., direct deposits, automated payroll deposits, etc. A stop payment order may be renewed any number of times by written notice to us at the address listed in the Bank Contacts section during the period while a previous stop payment order is in effect. The resulting U.S. dollar transaction amount will be charged to your account. If the transfer would exceed the credit limit available on your account(s). 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. Some limitations may apply. Each co-owner agrees to notify us promptly of the death of another co-owner. Direct deposits, cash deposits and Citizens Bank checks: The day we receive the deposit: Checks drawn on another financial institution: The first business day after the day of the deposit: Checks deposited using Mobile Deposit : Deposits made before 4:00 pm CT will be available on the the first business day after the deposit is made. You agree to pay the service fee specified in our Disclosure of Products and Fees whether we pay an NSF item or reject it and return it unpaid. Payment of the balance of the account to the surviving co-owners or to the surviving co-owners and the decedent's estate constitutes a contractual expansion of the payment options set forth in Section 41-2.1. You also agree that (i) we may require the non-customer to provide additional identification and/or comply with any other security measures we may impose; and (ii) we will not be liable for wrongful dishonor for refusing to cash the check if the non-customer refuses to pay the fee or comply with our security measures. We will notify you of the receipt of any ACH entry to your account in the periodic statements provided to you for your account. Examples of transactions which are not considered electronic fund transfers include: Your First Citizens ATM card (your "ATM card") is an access device that can only be used at First Citizens Bank automated teller machines (ATMs). You agree that we may record any telephone conversation with you to monitor the quality of service we provide and verify transactions affecting your account. We may disregard information on any item other than the signature of the drawer, the amount shown in words in the space designated on the item for such information, and any other information encoded into the MICR line pursuant to our usual procedures. It's based on what you have in your account plus or minus any pending deposits or withdrawals made that day, which are typically processed after banking hours. If we determine that for regulatory or other reasons it is prudent and in the best interests of the Bank to close your account after account opening, we will only pay the interest that has accrued on the account up to the date of closing, even if the account we are closing is a time deposit account and we are closing it prior to maturity. No First Citizens card or mortgage account credit will be applied, in whole or in part, against any monthly minimum payment due, however, account credits to your First Citizens consumer loan will be applied first to your outstanding interest and any remaining amount will be applied to your principal. Other restrictions and requirements apply. Earned points are calculated on actual dollars spent rounded up or down to the nearest point. Any refunds the merchant makes to you of amounts charged by use of the card must be made on a credit voucher signed by you and the merchant and presented by the merchant to us. Teller-cashed checks and charge-backs: Teller-cashed checks are checks you write that the payee cashes with a First Citizens associate. Commit your PIN (Personal Identification Number) to memory and never share your PIN. WE ARE NOT RESPONSIBLE FOR ANY FAILURE TO SEND, OR ANY DELAY IN SENDING, ANY ALERTS, INCLUDING ANY TYPE OF SECURITY ALERT, OR FOR ANY FAILURE OR DELAY IN YOUR RECEIPT OF AN ALERT. Not valid with any other promotional offers. Disclosures with respect to electronic fund transfers initiated through either of our First Citizens online banking services are additionally provided in our online banking agreements. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. Pay certain bills automatically from your account. Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. If we have agreed to accept deposits electronically from you, such deposits will be subject to the provisions of this Agreement except as specifically provided otherwise in your separate electronic deposit agreement. Transactions occurring prior to the cutoff time on a business day will be considered to have taken place that day, while transactions occurring after the cutoff time will be considered to have occurred the following business day. You can obtain a current copy of our Disclosure of Products and Fees at any of our branches, on our website, or by calling FC Direct at the telephone number contained in the "Bank Contacts" section at the end of this Agreement. However, for consumer accounts, if your NSF item arises from an ATM transaction or a one-time debit card transaction, we will not authorize or pay the item unless you or another joint accountholder affirmatively consent ("opt-in") to our basic overdraft service. If we decide that there was no error, we will send you a written explanation. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. Each reward dollar is worth $1, which means that $100 reward dollars equals $100 in redemption value. Earn points by making everyday purchases and pay no annual rewards program fee. However, there are some exceptions. If the adult (or if more than one adult on the account, the last of the adults to survive) dies before the minor reaches age 18, we may in our discretion (i) permit the naming of another adult on the account, (ii) transfer the funds to a duly appointed representative of the minor, (iii) transfer the funds to a UTMA account (or MTML account in Missouri) for the minor, (iv) pay the funds to the clerk of court to be held for the minor, or (v) otherwise transfer the funds as provided by applicable law. "Depositor," "owner," "co-owner," "you," and "your" refer to the person, persons, or entity whose name or names appear on our records as account owner or owners. Points will be deducted from the available rewards account balance for all returned purchases. Your account is solely for the use of the owner(s) of the account. Get the right coverage to give you and your family peace of mind. Digital Banking is our online banking product designed for personal customers and business customers that do not need the more extensive online banking services offered through First Citizens' Business Online Banking (BOB) Advantage®. To the extent applicable, electronic fund transfer services are governed by our Agreement and Disclosure for Electronic Fund Transfer Services (Section D of this Agreement) and the Consumer Financial Protection Bureau's Regulation E. 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