Internet Business Banking Service Agreement - Union Bank
Internet Business Banking Service Agreement - Union Bank Internet Business Banking Service Agreement - Union Bank
1. GENERAL. This Online Banking Agreement (“OLB Agreement”) and the All About Personal Accounts &Services Disclosure and Agreement and applicable Fee Schedule or All About Business Accounts & ServicesDisclosure and Agreement and Fee Schedule as applicable (“Account Agreement”) govern the use of UnionBank’s Online Banking Services (the “Service”). Note that any reference to “Internet Business Banking” is nowcalled Online Banking for Small Business and is covered by this OLB Agreement. The terms of this Agreementsupplement, and supersede where inconsistent, the terms of your Account Agreement with MUFG Union Bank,N.A. (“us,” “we” or “Bank”) and/or UnionBanc Investment Services (“Investment Services”). In this Agreement,“you” refers to each person that accesses the Service and each owner of the accounts accessed by the Service.Your use of the Service will be further evidence of your agreement to these terms and the other agreementsthat we provide to you.2. ONLINE SERVICES. The Service allows you to:• Obtain account balance and transaction information for your Activated Accounts (as “ActivatedAccount” is defined in Section 8 below)• Transfer funds internally between Activated Accounts and set up recurring transfers from oneActivated Account to another (recurring transfers must be for the same amount)• Make payments on certain Bank lines of credit, mortgages, or loans• Pay bills to merchants, institutions, or individuals with a U.S. address, including same-day payments forcertain payees (only available in New Union Bank Bill Pay System)• Receive eBills for many of your payees (eBills available in Bill Pay System B and in New Union Bank BillPay System)• Pay your Union Bank credit card bill• Deposit checks to certain types of accounts using a mobile device• Check account balance and transfer funds between Union Bank accounts using a mobile device• View account statements and images of paid checks, deposit slips and deposited items electronically• Receive Customer Notices (as defined in Section 4 hereof) electronically• Request a wire transfer to a destination within the 50 United States• Reorder checks from Deluxe® Check Printers• Request a stop payment on a paper check• Receive account and transaction notices and alertsFor Personal Accounts Only:• Transfer funds between an Activated Account and an account at another financial institution in OnlineBanking• Make person-to-person “Send Money” payments using a mobile device in Online Banking3. ELECTRONIC AGREEMENT. You are agreeing to enter into this OLB Agreement electronically. By yourelectronic agreement, you consent to all terms and conditions governing use of the Service as set forth in thisAgreement. We will make a printed copy of the Agreement available at your request.4. CONSENT TO RECEIVE ELECTRONIC NOTICES. By using the Service, you consent to and agree that:(a) Any notice, record or other type of information that is provided to you in connection with your accounts orthe Service, such as account disclosures, change-in-terms notices, privacy disclosures for consumers (only), feeschedules, transaction notices and alerts, account status notices, service messages, and any other type ofnotice, (each a “Customer Notice”), may be sent to you electronically. A Customer Notice may be provided as aseparate electronic document or may be included in an electronic account statement. An electronic Customer
Notice sent to any account owner shall be deemed sent to, and received by, all account owners on the day wesend it. We reserve the right to send a Customer Notice in paper format by postal mail.(b) You will promptly report to us any change to your contact information, including email address, name,physical address, mailing address (if different), and telephone numbers. You may update this information bycontacting us at 1-800-238-4486. Changes to certain contact information can be completed in the Service.(c) We will not be obligated to provide any Customer Notice to you in paper form unless you specificallyrequest us to do so. You may request a paper copy of a Customer Notice by contacting us at 1-800-238-4486.Unless set forth in the Account Agreement you will not be charged a fee.(d) Your consent to receive Customer Notices electronically remains in effect until you withdraw your consent,close your account, or discontinue or terminate the Service with us. You may withdraw this consent to receiveelectronic delivery of Customer Notices by contacting us at the address or telephone number in Section 30 ofthis OLB Agreement. However, withdrawing your consent means you may no longer be able to access theService, and fee discounts or waivers associated with use of the Service may be discontinued.(e) In order to receive Customer Notices online you must maintain computer hardware and software ofsufficient capability to be able to access and retain them electronically. See section 6 below.5. EMAIL ADDRESS. A current, valid email address is critical to our successful delivery of the Service to you. Youagree to maintain an active email account at all times and record such email address within your profile in theService. You further agree to promptly notify us of a change of email address by changing the address at theProfile link within the Service.If for any reason the email address you provide us changes or becomes inoperable for more than a short periodof time, you agree to contact us immediately so that we can arrange to provide you with Customer Notices andaccount statements through other means.If we contact you at the email address of record within the Service and learn that the email is undeliverable tothat address, we may, at our discretion: 1) require you to provide a valid email address at next login attempt; 2)require you to accept this OLB Agreement again at next login attempt; 3) attempt to contact you throughanother means to obtain a valid email address; 4) disable the Service for other users (Online Banking for SmallBusiness only); and/or 5) discontinue electronic Customer Notices and instead provide them by paper. If youhave chosen to receive account statements in online form and you do not provide us with a new email address,you agree that we may continue to comply with the terms of this OLB Agreement and the statement deliverypreference you have indicated within the Service until such time as you instruct us otherwise.6. COMPUTER REQUIREMENTS. The Service requires you to have certain computer capabilities, which we maychange from time to time without prior notice to you. Refer to www.unionbank.com/computerrequirementsfor our current computer requirements.7. BUSINESS DAYS. In this Agreement, the term “Business Day” means Monday through Friday, excluding bankholidays.8. ACTIVATED ACCOUNTS. You can have the following types of Union Bank or UnionBanc Investment Services(UBIS) accounts connected to the Service: checking accounts, savings accounts, money market depositaccounts, certificates of deposit, personal and small business loans and lines of credit, Cash Reserve line of
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Notice sent to any account owner shall be deemed sent to, and received by, all account owners on the day wesend it. We reserve the right to send a Customer Notice in paper format by postal mail.(b) You will promptly report to us any change to your contact information, including email address, name,physical address, mailing address (if different), and telephone numbers. You may update this information bycontacting us at 1-800-238-4486. Changes to certain contact information can be completed in the <strong>Service</strong>.(c) We will not be obligated to provide any Customer Notice to you in paper form unless you specificallyrequest us to do so. You may request a paper copy of a Customer Notice by contacting us at 1-800-238-4486.Unless set forth in the Account <strong>Agreement</strong> you will not be charged a fee.(d) Your consent to receive Customer Notices electronically remains in effect until you withdraw your consent,close your account, or discontinue or terminate the <strong>Service</strong> with us. You may withdraw this consent to receiveelectronic delivery of Customer Notices by contacting us at the address or telephone number in Section 30 ofthis OLB <strong>Agreement</strong>. However, withdrawing your consent means you may no longer be able to access the<strong>Service</strong>, and fee discounts or waivers associated with use of the <strong>Service</strong> may be discontinued.(e) In order to receive Customer Notices online you must maintain computer hardware and software ofsufficient capability to be able to access and retain them electronically. See section 6 below.5. EMAIL ADDRESS. A current, valid email address is critical to our successful delivery of the <strong>Service</strong> to you. Youagree to maintain an active email account at all times and record such email address within your profile in the<strong>Service</strong>. You further agree to promptly notify us of a change of email address by changing the address at theProfile link within the <strong>Service</strong>.If for any reason the email address you provide us changes or becomes inoperable for more than a short periodof time, you agree to contact us immediately so that we can arrange to provide you with Customer Notices andaccount statements through other means.If we contact you at the email address of record within the <strong>Service</strong> and learn that the email is undeliverable tothat address, we may, at our discretion: 1) require you to provide a valid email address at next login attempt; 2)require you to accept this OLB <strong>Agreement</strong> again at next login attempt; 3) attempt to contact you throughanother means to obtain a valid email address; 4) disable the <strong>Service</strong> for other users (Online <strong><strong>Bank</strong>ing</strong> for Small<strong>Business</strong> only); and/or 5) discontinue electronic Customer Notices and instead provide them by paper. If youhave chosen to receive account statements in online form and you do not provide us with a new email address,you agree that we may continue to comply with the terms of this OLB <strong>Agreement</strong> and the statement deliverypreference you have indicated within the <strong>Service</strong> until such time as you instruct us otherwise.6. COMPUTER REQUIREMENTS. The <strong>Service</strong> requires you to have certain computer capabilities, which we maychange from time to time without prior notice to you. Refer to www.unionbank.com/computerrequirementsfor our current computer requirements.7. BUSINESS DAYS. In this <strong>Agreement</strong>, the term “<strong>Business</strong> Day” means Monday through Friday, excluding bankholidays.8. ACTIVATED ACCOUNTS. You can have the following types of <strong>Union</strong> <strong>Bank</strong> or <strong>Union</strong>Banc Investment <strong>Service</strong>s(UBIS) accounts connected to the <strong>Service</strong>: checking accounts, savings accounts, money market depositaccounts, certificates of deposit, personal and small business loans and lines of credit, Cash Reserve line of
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