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Internet Banking Terms and Conditions | Mobile Banking | TBD

Internet Banking Terms and Conditions Agreement

This Agreement describes your rights and obligations as a user of First Central Savings Bank QuickLink Internet Banking Service . It also describes the rights and obligations of First Central Savings Bank. Please read this Agreement carefully. As an authorized account holder you must abide by the terms and conditions of this agreement, and those provided to you at account opening, in order to use this Service.

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

By selecting the "Accept" button below, you are (1) acknowledging your receipt of the information listed below, (2) agreeing that any contract you enter into with First Central Savings Bank for the provision of certain QuickLink Internet Banking Services, may be in electronic form, and (3) agreeing that certain information that may be delivered in connection with the Services may also be in electronic form.

You are also acknowledging receipt of the following information and agree that:

  • We may provide you with this Agreement and any revisions and amendments thereto in electronic form, and that, if you choose to accept the Agreement, you are consenting to enter into and are entering into an agreement electronically that will govern all future transactions you conduct using the Service.
  • We may provide you revisions and amendments to the Agreement and such other information, including but not limited to information under Regulation E and under other applicable banking or financial services laws or regulations in connection with the Service, electronically as a part of the Agreement or otherwise as a part of the Services. While you may print and retain a copy of the Agreement or any information provided to you in relation to the Service, we only provide these documents electronically.
  • You have a right at any time to withdraw, without service charges, your consent to receive information electronically. However, because the Agreement and the Information are provided only in electronic format, your withdrawal of consent will terminate all the Services.
  • If you wish to withdraw consent to receive information electronically, to terminate the Services, or to update your information such as a change of address, or email address, you may call First Central Savings Bank at 1-866-400-3272 or write a letter and send it to:

First Central Savings Bank
Attention: Operations Department
70 Glen Street
Glen Cove, NY 11542

  • You are able to access information that is provided in the same manner as the information and the Services via the Internet.

DEFINITIONS

The following definitions apply in this Agreement.

”QuickLink Internet Banking” and “On-line Banking” are used interchangeably and are the Internet-based service providing access to your account(s) under the terms set forth in this Internet Banking Terms and Conditions Agreement.

"On-line Account" is a First Central Savings Bank account from which you will be conducting transactions using a Service.

"Bill Payment" is the Internet-based service providing payments to First Central Savings Bank or to third parties from your designated FCSB account(s).

"Bill Pay Account" is the transaction account from which you are initiating a Bill Payment.

"Business Day" refers to Monday through Friday , excluding holidays as determined by First Central Savings Bank. All On-line transaction requests initiated after 9:00 PM ET, or on a non-Business Day, will be processed immediately, but will not appear in the online history until the following Business Day.

"Password" is a series of numbers and/or letters that you select after the initial sign-on, that establishes your connection to the Service. First Central Savings Bank will provide you with a code for use during the initial sign-on process..

"Time of day" references are to Eastern Standard Time.

"We," "us" "our" or "FCSB" refer to First Central Savings Bank, which offers the Services provided under this Agreement and holds the accounts accessed by the Services.

ACCESS TO SERVICES

First Central Savings Bank will provide on-line instructions describing how to use the QuickLink Internet Banking Service or QuickPay Bill Payment Service. To gain access to these Services you will need your Access ID’s and your Password’s.

HOURS OF OPERATION

The Services are generally available 24 hours-a-day, 7 days a week, except during special maintenance and upgrade periods, which routinely are scheduled between 12:00 a.m. and 5:00 a.m. Monday and Thursday mornings.

USE OF YOUR SECURITY PASSWORD

The safety of our customers' accounts and account information is of paramount importance to First Central Savings Bank. We go through great lengths to protect confidentiality and the security of your account, and urge you to do the same. You agree not to allow anyone to gain access to the Services or to let anyone know your Password used with the Services. You agree to assume responsibility for all transactions initiated through the Services with your First Central Savings Bank User-ID, up to the limits allowed by applicable law. While First Central Savings Bank continues to provide our customers with the level of on-line security we believe necessary and appropriate, customers who share their User-IDs and Passwords are giving up the full benefit of our security measures and legal protections to which they may be entitled. No First Central Savings Bank representative will ever call and ask for your Access ID or User Password.

IF YOUR PASSWORD HAS BEEN LOST OR STOLEN

If your Password has been lost or stolen, call First Central Savings Bank immediately at 1-866-400-3272, between 8:30 am thru 4:00 pm Mon. – Thurs. and 8:30 am thru 7:00 pm - Friday and Saturday between 8:30 am thru 1:00 pm. Telephoning First Central Savings Bank is the best way of minimizing your losses. You may also restore the security of your Service by immediately changing your Password. If you believe your Password has been lost or stolen and you notify us within two Business Days after you learn of the loss or theft, you can lose no more than $50.00 if someone uses your Password to conduct unauthorized electronic funds transfers without your permission. If you do NOT notify us within two Business Days after you learn of the loss or theft of your Password, and we can prove we could have stopped someone from using your Password to conduct unauthorized electronic funds transfers without your permission if you had told us, you could lose as much as $500.00.

BANKING TRANSACTIONS WITH ON-LINE BANKING

In addition to viewing account information, you may use On-line Banking to conduct the following transactions:

  • Transfer funds among your linked checking, statement savings, money market, loan and line of credit accounts.

NOTE: Because regulations require First Central Savings Bank to limit pre-authorized transfers (including On-line Banking transfers), the following limitations apply

  • Statement Savings Account-- You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer, or by telephone or On-line Banking.
  • Money Market Savings Account-- You can make no more than six (6) transfers per statement period by pre-authorized or automatic transfer or by telephone, or On-line Banking, or check, draft or debit card.
  • Initiate bill payments.

New services may be introduced for On-line Banking from time to time. First Central Savings Bank will notify you of the existence of these new services. By using these services when they become available, you agree to be bound by the rules that will be made available to you concerning these services.

BILL PAYMENT SERVICE

The QuickPay Bill Payment Service permits you to use your Internet-enabled device to direct payments from your designated on-line Bill Pay Account(s) to third parties you wish to pay and who accepts Bill Payment Services. You must agree to and abide by the separate terms and conditions for bill pay as presented at the time you enroll in the QuickPay Bill Payment Service in order to use this service.

STATEMENTS

You will continue to receive your regular account statement either monthly or quarterly, depending on the type of account.

IF YOUR STATEMENT SHOWS TRANSFERS THAT YOU DID NOT MAKE

If your statement shows transfers that you did not make, notify FCSB immediately at 1-866-400-FCSB (3272), or write a letter and send it to:

First Central Savings Bank
Attention: Operations Department
70 Glen Street
Glen Cove, NY 11542

If you do not notify First Central Savings Bank within sixty (60) days after the statement was mailed to you, you may not recover any money lost after the sixty (60) days which would not have been lost if First Central Savings Bank had been notified in time.

  • That the customer can lose no more than $50 if the customer notifies the Bank within 2 business days if someone uses the customer’s card/code without their permission.
  • That the customer can lose as much as $500 if the customer does not notify the Bank within 2 business days after they learn of the loss or theft of their card/code, and the Bank can prove they could have stopped someone from using the customer’s card/code without their permission if the Bank had been told.

ERRORS AND QUESTIONS

In case of errors or questions regarding a QuickLink Internet Banking or Bill Payment transaction, you may call First Central Savings Bank at 1-866-400-3272, or write a letter and send it to:

First Central Savings Bank
Attention: Operations Department
70 Glen Street
Glen Cove, NY 11542

We must hear from you at the specified telephone number or address no later than sixty (60) calendar days after we sent you the first statement on which the problem or error appeared. We will need:

  • Your name and account number
  • A description of the error or the transfer in question, and an explanation concerning why you believe it is an error or need more information.
  • The dollar amount of the suspected error
  • The date on which it occurred.

If the report is made orally, we may require that you send the complaint or question in writing within ten (10) Business Days from your initial contact. We will notify you with the results of the investigation within ten (10) Business Days after you contact us and will correct any error promptly. If more time is needed, however, we may, at our sole discretion, take up to forty-five (45) calendar days to investigate a complaint or question. If this occurs, we will credit your account within ten (10) Business Days for the amount you think is in error. This will allow you to use the money during the time it takes us to complete our investigation. If your complaint or question is not received in writing within ten (10) Business Days from your original contact, we may not credit your account until the investigation is completed.

If your notice of error concerns a transaction that occurred during the first 30 days after the first deposit to the account was made, the applicable time periods are 20 Business Days in place of 10 Business Days and 90 calendar days in place of 45 calendar days.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

You agree that First Central Savings Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to the Service. Any such electronic mail sent to you by FCSB shall be considered received within three (3) Business Days of the date sent by First Central Savings Bank, regardless of whether or not you sign on to the Service within that time frame.

LIMIT OF FIRST CENTRAL SAVING’S BANK RESPONSIBILITY

First Central Savings Bank agrees to make reasonable efforts to ensure full performance of On-line Banking. First Central Savings Bank will be responsible for acting only on those instructions sent through On-line Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. FCSB is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service.

Any information you receive from First Central Savings Bank is believed to be reliable. However, it can only be provided on a best-efforts basis for your convenience and is not guaranteed. First Central Savings Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information or for any investment or other decision made using this information.

First Central Savings Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider.

You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing QuickLink Internet Bank. First Central Savings Bank will not be responsible for any errors or failures from the malfunction or failure of your hardware or software.

The limit of First Central Savings Bank's liability shall be as expressly set forth herein. Under no circumstances will First Central Savings Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use the Services, you agree to waive any and all right to any of the aforesaid, and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein.

FIRST CENTRAL SAVINGS BANK'S RESPONSIBILITY

First Central Savings Bank will be responsible for your actual losses if they were directly caused by our failure to:

  • Complete an Electronic Funds Transfer as properly requested
  • Cancel an Electronic Funds Transfer as properly requested.

However, we will not be responsible for your losses if:

  • Through no fault of FCSB, you do not have enough money in your account to make the transfer
  • Through no fault of FCSB, the transaction would have caused you to exceed your available credit
  • Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken
  • There is a hold on your account, or if access to your account is blocked in accordance with banking policy
  • Your funds are subject to legal process or other encumbrance restricting the transfer
  • Your transfer authorization terminates by operation of law
  • You believe someone has accessed your accounts without your permission and you fail to notify First Central Savings Bank immediately
  • You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the Payee refuses the Service.
  • For the failure of any payee to correctly account for or credit the payment in a timely manner
  • We have received incomplete or inaccurate information from you or a third party involving the account or transfer.
  • For changes to the payee's address or account number (unless you have advised us of the change within four (4) Business Days in advance)
  • We have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement.

There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages.

If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed.

ELECTRONIC MAIL (EMAIL)

You should not rely on electronic mail if you need to communicate with First Central Savings Bank immediately (e.g., if you need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).

You agree that First Central Savings Bank may respond to you by electronic mail with regard to any matter related to the Service, including responding to any claim of unauthorized electronic funds transfer that you make. Any such electronic mail sent to you by First Central Savings Bank shall be considered received within three (3) days of the date sent by FCSB, regardless of whether or not you sign on to the Service within that time frame.

OTHER AGREEMENTS

In addition to this Agreement, you and First Central Savings Bank agree to be bound by and comply with the requirements of the agreements applicable to each of your On-line Accounts. Your use of the On-line Banking service or the Bill Payment Service is your acknowledgment that you have received these agreements and intend to be bound by them. You should review other disclosures received by you when you open your accounts at First Central Savings Bank, including the charges that may be imposed for electronic funds transfers or the right to make transfers listed in the fee schedules accompanying those disclosures and the fee schedule at the end of this Agreement. We will automatically deduct any fees related to this Service from your account each month. All terms and conditions of the disclosures provided to you at account opening, including but not limited to, the Truth in Savings, Regulation E Disclosure, Depositor's Agreement and Terms and Conditions apply to this Service.

MODIFICATIONS TO THIS AGREEMENT

First Central Savings Bank may modify the terms and conditions applicable to either Service from time to time upon mailing or delivering a notice of the modifications to you at the address shown on our account records, and the revised terms and conditions shall be effective at the earliest date allowed by applicable law. We may send any notice to you via electronic mail and you will have been deemed to have received it three (3) days after it is sent. We reserve the right to terminate this Agreement and your use of the Services in whole or in part at any time without prior notice.

DISCLOSURE OF INFORMATION TO THIRD PARTIES/ PRIVACY POLICY

A copy of First Central Savings Bank's Consumer Privacy Statement is available upon request at any of our branches, or can be mailed to you upon request by calling First Central Savings Bank at 1-866-400-FCSB, or writing a letter and sending it to:

First Central Savings Bank
Attention: Operations Department
70 Glen Street
Glen Cove, NY 11542

You can also access our Policy online by clicking on the Privacy Policy icon on the First Central Savings Bank Website.

INACTIVITY / TERMINATION

You are responsible for complying with all the terms of this Agreement and with the terms of the agreement governing the deposit accounts which you access using electronic banking services. We can terminate your On-line Banking privileges (including the Bill Payment Service) under this Agreement without notice to you for any reason; or if you do not pay any fee required by this Agreement when due, if you do not comply with the Agreement governing your deposit or loan accounts, or your accounts are not maintained in good standing. We will promptly notify you if we terminate this Agreement or your use of the services for any other reason.

If you are not paying a monthly service charge for the Service, we may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180 period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

To cancel the QuickLink Internet Banking and/or Bill Payment Service, you must notify First Central Savings Bank. Your notification should include your name, address and the effective date to stop the service(s). Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle. You may notify FCSB by one of the following methods:

  • By initiating a customer inquiry through our Web site
  • By calling 1-866-400-3272
  • By writing a letter and either sending it to:

First Central Savings Bank
Attention: Operations Department
70 Glen Street
Glen Cove, NY 11542

You must cancel any pre-scheduled bill payments made through On-line Banking and the Bill Payment Service by using the payment screens in the Bill Payment Service before requesting termination of the Service. The cancellation of pre-scheduled payments is your responsibility and must be done according to the processing rules of the Service. FCSB will not be liable for any bill payments against your account after termination of the Bill Payment Service. Your final charge for the Bill Payment Service will be assessed at the end of your statement cycle.

GOVERNING LAW

This Agreement is governed by the laws of the State of New York and applicable federal law(s).

FEE SCHEDULE

First Central Savings Bank offers the benefits and convenience of the On-line Banking service to you at no monthly charge. Account research, stop payment charges and Bill Pay Services will be assessed at the rates published in FCSB's Miscellaneous Schedule Fees Brochure and deducted from your account you hold at First Central Savings Bank.

These fees are subject to change. First Central Savings Bank will notify you in writing regarding any fee changes at least thirty (30 days in advance of the effective date of these changes.

Last Revised: May 31st, 2016

First Central Mobile

Mobile Banking Terms and Conditions

Description of Mobile Banking Services:

You may use Mobile Banking to check the balance of your accounts, view Account Histories, and transfer funds between your accounts. If you have enrolled in Bill Pay through the First Online section on the homepage, www.myfcsb.com, you may use Mobile Banking to initiate a one-time payment to an established payee, view, change or cancel pending payments, or initiate Popmoney transactions. You may also deposit checks using a Smartphone or other mobile device (not available to Blackberry devices) provided the image is acceptable to us by (1) creating an electronic image of the front and back of certain paper items, and (2) transmitting those images and other information, including without limitation information captured from the magnetic ink character recognition line to us for review and processing in accordance with this addendum. “Electronic Item” means the electronic image of each paper item and other information captured from the paper item. After we receive your transmission we will review each electronic item. For each electronic item that we determine is eligible for processing, we will:

  1. Include the electronic item in an electronic file for presentment to the Paying Bank; or
  2. Present or post any electronic item for which we are the Paying Bank; and
  3. Approve the item for posting the deposit to the selected Checking or Money Market Account.

Qualification:

In order to enroll for the Mobile Banking service, you must first enroll in First Online. You must also be the owner of a First Central Savings Bank account that is eligible for Mobile Banking, and be approved by First Central Savings Bank.

Conditions to Providing Mobile Banking:

As a condition to us providing Mobile Banking, you must maintain your account(s) in good standing, as described in the respective Truth in Savings Disclosure given to you at account opening. You must comply with such limitations of and restrictions on the use of the Mobile Banking service as described in these Terms & Conditions, and as we may communicate to you from time to time.

Security:

You are responsible for maintaining control over the proper use of the Mobile Banking service, for maintaining appropriate security and controls over your Smartphone, as well as ensuring the confidentiality of your password (Security Credentials) for use with the Mobile Banking service. No person employed by First Central Savings Bank shall have access to any Security Credentials you have been assigned and or created. From time to time, we may require you to adopt and/or implement additional security measures and authentication procedures, as specified by us, in order to maintain the security and integrity of the Mobile Banking service. It is your responsibility to keep all paper item(s) check(s) in a secure area for 30 days after the funds are posted to your account and destroy the check in a secure manner after the 30th day.

Deposits and Availability of Funds:

Subject to our right to identify and reject Exception Items, we shall be deemed to have accepted each Electronic Item that is not an Exception Item for deposit via the Mobile Check Deposit Service to your account on the business day that we process the Electronic Item, provided that its transmission to us is prior to 3:00 PM EST and that we have confirmed your transmission and it has been approved for processing. Refer to our Funds Availability Disclosure for details on when funds will be available for use.

Creating and Transmitting Electronic Items:

The following items are eligible for deposit through Mobile Check Deposit Service:
Only checks drawn on a bank located in the United States that are made payable to you, and are endorsed by you, may be deposited through the Mobile Check Deposit Service. Checks eligible for deposit through the Mobile Check Deposit Service must be endorsed as follows: Endorse the check as shown on the “Pay to the Order of” line and below your signature add “Mobile Deposit Only”.

The following items may not be deposited through the Mobile Deposit Service:

  • Checks not endorsed with the “payee’s signature” and the phrase “mobile deposits”.
  • Third-party checks (checks payable to any person or entity other than the person who owns the account into which the check is being deposited.
  • Checks payable on sight, payable as cash or payable through drafts.
  • Checks that are remotely created checks with no maker signature.
  • Checks containing an alteration on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg CC.
  • Checks not payable in US currency.
  • Checks drawn on a financial institution located outside of the United States.
  • Checks dated more than 6 months prior to the date of deposit.
  • Checks with any endorsement on the back other than that specified in our agreement.
  • Checks that have been previously submitted and accepted through our service or through a remote deposit capture service offered at any other financial institution.
  • Any item stamped “Non-negotiable” or “This is not a Check”
  • Bonds
  • U.S. Postal or Western Union Money Orders.
  • Traveler’s Checks
  • Check drawn on the United States Treasury
  • Returned checks
  • Postdated checks

You shall only use Smartphones or other access devices acceptable to us to create electronic images of checks you wish to deposit to your account through the Mobile Deposit Service, and to transmit the Electronic Item(s) to us.

Limitations on Amount:

Checks converted to Electronic Items and deposited through the Mobile Check Deposit Service may not exceed $1,000. Your total deposits per day may not exceed $1,000. The Bank reserves the right to establish different limits for Mobile Deposit transactions at any time on a global or exception basis.

Processing Your Electronic Item(s):

Your Electronic Item(s) is deemed to have been received by the Bank when you receive the “Deposit Pending” screen on your mobile device. If you transmit your Electronic Item(s) to the Bank before the cut-off time of 3:00 p.m. EST ("Cut-Off Time") on any business day the Bank is open we shall review and process your Electronic Item(s) on that day. If you transmit your Electronic Item(s) to us after 3:00 pm EST on any business day or on a non-business day, we shall review and process your Electronic Item(s) on the following business day.

Exception Items:

We will use commercially reasonable efforts to review Electronic Item(s) transmitted by you through the Mobile Check Deposit Service for deposit to your account(s). Electronic Item(s) determined in our sole discretion, to be ineligible for the Mobile Check Deposit Service will be rejected and not processed by us ("Exception Item(s)"). Examples of Exception Items include, but are not limited to, an Electronic Item that (1) is an item not eligible for processing through the Mobile Check Deposit Service, (2) is illegible or contains MICR data that is not machine-readable, or (3) was previously processed as an Electronic Item. We will notify you if an Electronic Item is deemed to be an Exception Item via Email. In certain circumstances, you may wish to attempt to deposit an Exception Item to your account. To do so, you will be required to present the original paper item on which the Exception Item is based to one of our branch employees. Even if we do not initially identify an Electronic Item as an Exception Item when we review and process the Electronic Item, the Electronic Item may nevertheless be returned to us because, among other reasons, the Paying Bank determines that such item or check is illegible. Our failure to identify an Exception Item shall not preclude or limit the obligation of you to us as noted in the Warranties paragraph that follows.

Fees:

The Mobile Banking service is provided at no charge to you. We may, upon at least thirty (30) days prior notice to you, to the extent required by applicable law, charge a service fee for use of Mobile Banking. If you continue to use the Mobile Banking Service after the service fee becomes effective; you agree to pay the service fee that has been disclosed to you and put into effect. We reserve the right to amend such service fee from time to time and/or to only apply the service fee to:
(1) Select Account Types; and/or (2) Mobile Banking; and/or (3) Mobile Bill Pay only; and/or (4) Mobile Check Deposits. If and when implemented, all service fee(s) will be charged to your primary checking or savings account ("Primary Account"). If your Primary Account is closed, or if it does not have sufficient available funds to cover the service fee(s), you authorize us to charge any such fee(s) to any other deposit account you maintain with us. Your mobile service provider may charge for sending or receiving text messages and images on your Smartphone or other access device. These charges are solely your responsibility. Check with your mobile service provider for details on specific fees and charges that may apply.

Inactivity:

In order to maintain access to Mobile Banking you must login to Mobile Banking or Online Banking as least once in the past six-months. For security reasons your Online Banking and Mobile Banking access will become inactive if you have not logged into either within the past six-months. In these situations scheduled transfers will not occur, eAlerts will cease being sent and if applicable, access to your eStatements and Bill Payment may terminate.

Messaging and Data Charges:

By participating in the services or using the software you agree that the services or software may require the use of your handheld device’s data and text messaging capabilities and that standard data and text messaging charges apply in accordance with your Service Agreement with your Mobile Service Provider. You agree that First Central Savings Bank is not responsible for any charges you may incur while using the services and software provided as part of this agreement.

“Smartphones” and Other Web Enabled Devices:

You acknowledge that Smartphones and other Web Enabled Devices are subject to the same security risks as computers that are attached to the Internet and agree that it is your responsibility to maintain anti-virus and anti-spyware programs on such devices. Mobile Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your account(s). The information contained within Mobile Banking and any related software is for informational purposes only. You understand and agree these services may not be encrypted and may include personal or confidential information about you such as your account activity or status. Delivery and receipt of information, including instructions for payment, transfer and other move money transactions, through Mobile Banking may be delayed or impacted by factor(s) pertaining to your Internet service provider(s), phone carriers, other parties, or because of other reasons outside of our control. We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, information and instructions sent through Mobile Banking. Additionally, not all of the products, services or functionality described on the online banking site(s) or your online banking agreement is available when you use a mobile device. Therefore, you may not be eligible to use all the products, services or functionality described when you access or try to access them using a mobile device. We reserve the right to determine your eligibility for any product, service or functionality at any time.

Information available directly through online banking without the use of a mobile device may not be available via Mobile Banking, may be described using different terminology (including capitalized terms used in the Agreement or on our online banking site(s), or may be more current than the information available via Mobile Banking, including but not limited to account balance information. The method of entering instructions via Mobile Banking may also differ from the method of entering instructions directly through the Online Banking without the use of a mobile device. Processing of payment and transfer instructions may take longer through Mobile Banking. We are not responsible for such differences including but not limited to delays, whether or not attributable to your use of the Mobile Banking.

Additionally, you agree that neither we nor our service providers will be liable for any errors in the content of information obtained or transmitted through Mobile Banking, or for any actions taken in reliance thereon (including, but not limited to, the type of alerts and other preferences selected by you). You are responsible for any and all charges, including, but not limited to, fees associated with text messaging imposed by your communications service provider. We are not responsible for any damages resulting from your failure to comply with any terms and conditions provided by your communication service provider or any app store. Any losses or charges incurred through loss of mobile device or the safeguarding or failure to safeguard passwords will remain your responsibility.

The Bank reserves the right to change these Terms and Conditions at any time. When material changes are made, we will notify you. You are solely responsible for providing updated addresses as necessary. Revised Terms and Conditions shall become effective at the earliest date allowed by applicable law or regulation. In the event of any conflict between the Mobile Banking Terms and Conditions and other terms and conditions related to your account(s) to which Mobile Banking and any related software may be applicable, the Terms and Conditions of Mobile Banking will prevail solely with respect to the conflicting provisions and solely to the extent of the conflict. Continued use of Mobile Banking and any related software constitutes your agreement with and acceptance of this Agreement, as well as any future changes to these Terms and Conditions.

Your Warranties:

You represent and warrant to First Central Savings Bank that: FAILURE TO PROTECT YOUR HARDWARE AND SECURITY CREDENTIALS MAY ALLOW AN UNAUTHORIZED PARTY TO MAKE A BILL PAYMENT FROM YOUR ACCOUNTS OR TO ACCESS THE MOBILE BANKING SERVICE AND TRANSMIT AN ELECTRONIC ITEM FOR DEPOSIT THROUGH MOBILE CHECK DEPOSIT. ALL USES OF THE MOBILE BANKING SERVICE THROUGH YOUR SECURITY CREDENTIALS WILL BE DEEMED TO BE AUTHORIZED BY YOU AND BE BINDING UPON YOU. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT OR UNAUTHORIZED USE OF YOUR SECURITY CREDENTIALS. YOU AGREE TO (1) EXERCISE RESPONSIBLE BEHAVIOR WHEN USING THE MOBILE BANKING SERVICE, (2) FOLLOW THE INSTRUCTIONS AND RECOMMENDATIONS THAT WE PROVIDE TO YOU WITH RESPECT TO THE MOBILE BANKING SERVICE, AND (3) USE UTMOST CAUTION IN PROTECTING YOUR ACCESS DEVICE AND SECURITY CREDENTIALS FROM UNAUTHORIZED ACCESS. YOU AGREE TO NOTIFY FIRST CENTRAL SAVINGS BANK IMMEDIATELY IF YOU BECOME AWARE OF ANY LOSS OR THEFT OF, OR ANY UNAUTHORIZED USE OF THE MOBILE BANKING SERVICE OR YOUR SECURITY CREDENTIALS.

In addition, you represent and warrant that you will only process and/or store Paper Items, Electronic Items, and Exception Items in accordance with the provisions enumerated above and specifically but not limited to as follows: You will use the Mobile Check Deposit Service only for paper items that are payable to, and endorsed by, you. You will endorse checks eligible for deposit through the Mobile Check Deposit Service as follows: Endorse the check as shown on the “Pay to the Order of” line and below your signature add “For First Central Savings Bank Mobile Deposit Only” followed by your account number. You will maintain control over and be responsible for secure retention, storage, and destruction of original Paper Items for which you have created an electronic item. After transmitting the Electronic Item to us, you will retain the original paper item(s) for a minimum of thirty (30) calendar days. You will retain and store the original paper item(s) in a secure and locked container. If the original paper item is required for any reason during this 30 day period and you are unable to provide it to the Bank your deposit will be reversed from your account. You will not submit any duplicate Electronic Items to us; and when registering for Mobile Check Deposit you are at least 18 years of age.

Exclusion of Warranties:

The customer has requested that First Central Savings Bank allow customer to access customer’s accounts remotely by mobile phone utilizing the internet. Except as otherwise expressly stated in these Terms and Conditions or in the agreement for Internet Banking, First Central Savings Bank makes no representation or warranty, either express, implied or statutory, concerning the services including that any software application provided by First Central Savings Bank to facilitate mobile banking by customer through customer’s mobile phone number will operate uninterrupted or error free. The customer expressly confirms acceptance and use of any software application “as is” and without warranty of any character whatsoever, and customer assumes all risk of loss resulting from conducting mobile banking. Customer is exclusively responsible for providing mobile phone service compatible with the services and any software application provided by First Central Savings Bank for the services to be provided.

No Liability and Hold Harmless:

First Central Savings Bank will use commercially reasonable efforts and ordinary care to provide the customer with access to the services in accordance with these Terms and Conditions. In no event, however, shall First Central Savings Bank be liable for its failure to provide access to mobile banking services or for customer’s failure to receive message service whether either as a result of an error in or interruption of any software application or as a result of any failure or interruption of customer’s mobile phone service or equipment. Without limiting the generality of the foregoing, First Central Savings Bank shall not be liable to the customer for delays or errors occurring by reason of circumstances beyond the control of First Central Savings Bank, including without limitation, the failure of communication networks and interference with or interruption of internet access or service, the failure of equipment, or any acts of civil, military, or banking authorities, national emergencies, labor difficulties, fire, flood or other catastrophes, acts of God, insurrection, war, riots, failure of transportation, failure of vendors, communication or power supply, or malfunction of or unavoidable difficulties with its equipment. First Central Savings Bank will not be liable for consequential, incidental, special or, exemplary damages or lost profits, even if the customer advises First Central Savings Bank of the possibility of such damages. Customer acknowledges and agrees that customer is solely responsible for protecting the confidentiality and security of customer’s username and password, both of which are required in order to access banking information through mobile and internet banking. Customer further acknowledges having been informed that the Bluetooth application on customer’s mobile phone equipment must be turned off when accessing mobile banking in order to protect the privacy of the User Information. Customer assumes and accepts all responsibility for the accuracy of all transactions performed or undertaken utilizing the services made available by First Central Savings Bank at customer’s request. Customer shall hold First Central Savings Bank harmless from and against any liability of any character attributable to customer’s use of the services.

Termination:

You or we may terminate the Mobile Banking service at any time.

Entire Agreement; Conflicting Terms:

This Addendum forms part of and is incorporated by reference into the Online Banking Agreement and Disclosure and the Terms and Conditions of the Bill Payment Service agreements. Except as amended by this Addendum, the First Online Agreement and Disclosure and the Terms and Conditions of the Bill Payment Service agreements remain in full force and effect. In the event of any conflict between this Addendum and the Online Banking Agreement and Disclosure and the Terms and Conditions of the Bill Payment Service Agreements; this Addendum shall govern with respect to the Mobile Banking Service.

Limits:

You may deposit up to $1000.00 per day. Lower limits may apply for newer accounts.

Endorsement:

Endorse the check as shown on the “Pay to the Order of” line and below your signature add “Mobile Deposit Only” All deposits are subject to verification and can be adjusted upon review.

Availability:

Deposits made by 3:00 pm EST on a business day will post to your account on that business day and will usually be available in accordance with our Funds Availability policy for local checks. Deposits made after 3:00 PM EST and those made on non-business days will post to your account on the next business day and will usually be available in accordance with our Funds Availability Policy for local check.

Please note:

All deposits are subject to verification and can be adjusted upon review. Please keep your paper check in a secure area for 30 days after the funds are posted to your account. After this 30 day period destroy the check in a secure manner. We reserve the right to deny access to the use of our Remote Mobile Service without prior notice if it is unable to confirm your authority to access the Remote Mobile Service or we believe such action.

TBD

Coming Soon