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York Traditions Bank

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for Online Banking.

Online Banking Agreement & Disclosure
Please read this agreement carefully before following the link
at the bottom of this page.

 

Introduction
This Online Banking Agreement and Disclosure governs your use of Online Banking that permits our customers to access a number of financial services through the use of the Internet. Also included in this document are regulatory disclosures applicable to these services.  Throughout this website the Online Banking Agreement and Disclosure will be referred to as "Agreement".   By using Online Banking, you agree to all of the terms of this Agreement.   You must read this Agreement before enrolling in Online Banking and initiating any electronic funds transfers via the Internet. By using Online Banking, you agree to all of the terms of this Agreement.  Please read it carefully before following the link at the bottom of this page or accessing any of the services.  We recommend that you print a copy of this document for your records; however, if you cannot, contact us at the number provided below and we will mail you a copy.    

Accounts and services provided by York Traditions Bank may also be governed by separate agreements with you.  This Agreement supplements any other agreements or disclosures related to your account (s), including the Terms and Conditions of Your Account Agreement provided to you separately.

 Definitions
You or Your - The person(s) subscribing to or using Online Banking.

We, Us, or Our - Refers to York Traditions Bank and any agent, independent contractor, designee, or assignee York Traditions Bank may involve in the provision of Online Banking.

Business Day - Any calendar day other than Saturday, Sunday, or any holidays recognized by York Traditions Bank. Bill payments are processed on all business days that both the Federal Reserve Bank and the US Postal System are operating and open for business.       

Electronic Funds Transfers – Include deposits to, withdrawals from, or transfers between your accounts, which are not originated by check, draft, or similar paper instrument.  Electronic transfers include those made through a computer. If we authorize your account(s) for electronic transfers through the Internet Banking Service, you have certain rights and responsibilities under the Electronic Funds Transfer Act which are further detailed in this Agreement and the Electronic Funds Transfer Disclosure.

Privacy Statement – York Traditions Bank understands how important privacy is to our customers. We have taken steps to protect the security and privacy of your personal information and as well as your financial transactions with us.    You should read our privacy statement before completing enrollment for Online Banking. 

 

About Our Online Banking
Online Banking, 
our internet banking service consists of an online banking web site that provides a complete array of financial services to our customers.  Our Online Banking allows you to access your account information 24 hours a day, 7 days a week. 

The services currently available to our customers via Online Banking consist of:

Account inquiries, balances, rates, etc.

Copies of cleared checks

Up to 3 months of historical transactions

Detailed view of transactions

Secure e-mails

Payments to our loan accounts

Transaction downloads into Quicken® and Microsoft Money

Transfers between your accounts at York Traditions Bank

 Transfers to other York Traditions Bank customers without compromising account security

 Transfers from lines of credit

For customers who select Bill Payment, these additional functions are available:

One-time payments

Fixed recurring payments

Account to Account transfers

Popmoney payments


Internet Security Information
Our Online Banking, is provided by Fiserv Inc ("Fiserv").  The Fiserv internet banking system utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the internet. During your use of Online Banking, Fiserv will pass a "cookie" to your browser for identifying you during the session.  This cookie only identifies your computer.  Fiserv does not (and cannot) use cookies to collect or obtain new personal information about you.  This cookie allows Fiserv to process multiple transactions during your session without requiring you to reenter your password for each individual transaction.  The cookies for Online Banking simply provide another level of security for Online Banking. The Fiserv online banking system uses encrypted cookies that do not pass to your hard drive.  Instead, the cookie is stored in the memory of your browser, identifying your computer while you are logged on.  Only Fiserv can read the information in these cookies.  When you log off, close your browser, or turn off your machine, the cookie is destroyed.  A new cookie is used for each session.  That way, no one can use the prior cookie to access your account.

One of the main security features guarding the use of Online Banking is the unique combination of your Sign-on ID and Password. It is important that you keep your Password secret. We will not be liable for any losses resulting from you permitting other persons to use your Sign-on ID and Password to access the system.

In addition to the security measures described above, there may be other security notices posted on the website regarding security issues. It is your responsibility to read all applicable notices.   If you have more questions about our security systems for conducting financial transactions safely over the internet, contact us at 717-741-1770.

Registration Process
Online Banking requires that you complete the initial enrollment process. This involves completing a secure online application that will identify you as a York Traditions Bank customer.

Log-On Security
Security is very important to Online Banking. At the time you request Online Banking, you will select a unique "Sign-On ID" and then choose a "Password" that will be used to gain access to the system.

To help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logged on. When you return to your computer, you will be prompted to re-enter your Sign-On ID and Password.

Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a Password that is hard to guess. Keep your Password safe. Memorize your Password and never tell it to anyone. You will be required to change your Password every 365 days. This can be done at any time after you logged on from the "Account Services" tab.

Accounts
You may request access to any Personal account that you are a signer or owner. If you desire services that allow you to initiate payments or transfers from the account, you will need the required withdrawal authority over the account to be able to complete the transaction. By using Online Banking, you agree to maintain one or more accounts with us and to keep sufficient balances in any account to cover any transaction and fees that are ultimately approved by or related to the system. If the accounts added to the service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Sign-On ID and Password are authorized unless we have been notified to cancel the service.

Fees for Online Banking
Online Banking is available to our customers at no monthly charge for Accounts Overview, transferring between your accounts and Bill Pay. Fees do apply for Bill Pay payments made using the Same Day Payment and Overnight Payment by Check features. There is also a fee for using Popmoney®. See our current Fee Schedule for specific information on these fees. Bill Pay is an optional service available only for Online Banking customers with checking accounts.  

Cancellation of Online Banking
Your Online Banking may be canceled at any time by York Traditions Bank in whole or part without prior notice due to insufficient funds in one of your accounts or other circumstances that may create an unanticipated liability to us. You will remain responsible for all transactions approved by the system prior to the cancellation, and for any other fees associated with Online Banking. After cancellation, Online Banking may be reinstated once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate services, you must call us at 717-747-2600 or visit one of our branches.

 

Balance Inquiries, Bill Payments, and Transfer Limitations

You may use Online Banking to check the balance of your account (s) and to transfer funds among your accounts at York Traditions Bank.  According to current federal regulations, you may not make more than six (6) pre-authorized withdrawals, automatic transfers, checks, debit card transactions (POS) or bill payments from your Savings or Money Market account during a given monthly statement period.  Transfers authorized by telephone or personal computer are counted toward the six total permitted monthly transfers or withdrawals.  

 Balances shown in your accounts may include deposits subject to verification by us. The balance may also differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments or charges. If you have further questions, contact us at 717-747-2600.

The balances are updated as transactions are received by the Bank. There may be situations that cause a delay in an update of your balances. The system will use the available balance at the time of a transaction to base our approval for Bill Pay and account transfers.

Alerts. Your enrollment in York Traditions Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your York Traditions Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. York Traditions Bank reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your York Traditions Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to 61539at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in York Traditions Bank Online Banking. For help with SMS text alerts, text “HELP” to 61539 In case of questions please contact customer service at 717-747-2600. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. York Traditions Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside York Traditions Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold York Traditions Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.

Special Information about the Stop Payment, Check Reorders, Address Change,  Secure E-Mail & Secure File Delivery Services
Online Banking includes several options that provide a means to securely forward your request to us for processing. There may be additional fees associated with some of these services.  Please refer to our Fee Schedule for additional information or contact us.  

Generally, requests received from Online Banking and/or emails will be processed within one business day using the same procedures that we use to handle similar requests received by mail or fax.  If urgent action is required such as for a stop payment, we recommend that you contact us directly by telephone or in person.  Additional terms of acceptance or disclosures may apply on the Stop Payment service and these terms will be disclosed at the time you complete the request. The Stop Payment feature is designed to submit a request to stop payment on checks you have written from your account. The stop payment service is not available to cancel transfers, Debit Card authorizations or ACH transactions.  There will be a fee for each check on all stop payment requests. Please see our Fee Schedule for details. If you have a problem or need to cancel a transfer or bill payment, follow the procedures below:

Canceling or Changing Payments

To stop recurring or pending Bill Pay payments you must log in and make edits to payments and transfers while they are still pending. You may go into any pending payment and revise the amount, the date or cancel the payment information.  If you need to issue a stop payment on a Bill Pay payment issued by paper check, contact us as soon as possible, or use the "Mailbox" to notify the Bank of your request. There will be a fee on all Bill Pay stop payment requests.  We are unable to issue a stop payment on an electronic Bill Pay payment.   If you contact us in writing or through the Mailbox Link and direct us to stop a Bill Pay payment 3 business days or more before the transaction is scheduled to be deducted from your account, and we do not do so, we will be liable for your losses.   We may provide you directions so that you can make the appropriate payment edits.  If you contact us verbally, we may request that you put your request in writing.

Bill Pay Service

To activate Bill Pay, click on "Pay Your Bills" on the Payments screen and follow the prompts.  

 Click here to view the Bill Pay Terms of Service: 

https://cw411.checkfreeweb.com/imm/LDD/ViewTermsAndConditions/10405

The Bill Pay service will also allow you to see a history of all the payments made from your accounts using this service.

If your Payment Account does not have sufficient funds to issue the scheduled payment, you may be charged an insufficient funds charge per payment. See our Fee Schedule for specific details. 

       

The Bill Pay system allows you to schedule a payment to third party vendors and payees. The earliest possible Scheduled Payment Date for each payee/vendor (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each payee/vendor. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your payee/vendor statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date grace period.

Bill Pay assumes the payee/vendor will promptly process the payment on the business day it is received. Any delays caused by the payee/vendor would result in additional days before the payment would show on their records. By using Bill Pay, you authorize us, and any third-party payment-processing agent we may use, to choose whatever method we feel is the most effective method to process your transaction. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment. (Funds remitted to the payee/vendor are deducted from your Payment Account when the laser draft is presented to York Traditions Bank for payment.)

For certain payees/vendors, you may have the option to make Same Day Payments or Overnight Payment by Check. You must specifically choose these options, if available, to expedite your Scheduled Payment Date. Fees will apply to Same Day Payments and/or Overnight Payment by Check. Please see our Fee Schedule for details.

Our Liability for Failure to Make Payments, Transfers

It is our responsibility to process all bill payments and account transfers properly initiated through Online Banking in accordance with this Agreement. We will be liable for damages, as specified in the Terms and Conditions of the Bill Payment Service, where the system caused a payment delay or failed to process a payment to be received by the payee/vendor. We will not be liable if any of the following occurs:

       

1.   If through no fault of ours, you do not have enough money in your account to make the bill payment or transfer, or if the account has been closed.  Your account must have sufficient collected funds to make the requested transfer.  Certain deposits and balance transfers from other accounts may not be immediately available for bill payment.  The amount of available funds will be calculated in accordance with our Funds Availability Policy, provided to you separately when your account was opened.

2.   If your computer, software or telecommunication lines were not working properly or were temporarily unavailable.

3.   If you had knowledge of or questions about the possible malfunction of our system when you initiated the transaction.

4.   If circumstances beyond our control such as natural disasters (fire, flood, tornado, etc) or other uncontrollable circumstances (mail delays, telecommunication outages, power failures, etc) prevent proper completion and delivery of transactions despite reasonable precautions that we have taken. 

6.   If you provide incomplete or inaccurate information to us regarding the account or transaction.

7.   It can be shown that the merchant or payee received the payment within the normal delivery timeframe and failed to process the payment through no fault of York Traditions Bank or our service providers.

8.   If your account has been tied up by legal proceedings (such as a court order or garnishment) or other actions that prevent us from making a payment or transfer.

9.   We have reasonable basis for believing that unauthorized use of your Sign-On  ID or  Password or designated account has occurred or may be occurring.

10.  If you default under the terms of this Agreement, or any other legal agreement with us.

11.  If either Party terminates this Agreement.

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, special, or consequential damages.  There may be other exceptions stated in our deposit account agreements with you or the Terms and Conditions of the Bill Payment Service.

Documentation And Verification Of Payments And Transfers

Information regarding Online Banking transactions will be reflected on the Transaction Activity screen of Online Banking and in your regular monthly account statement(s).

Notice of your Rights and Liabilities under the EFT Act 

The Electronic Funds Transfer ("EFT") Act provides you with certain rights and responsibilities with respect to electronic fund transfers via Online Banking. Your rights and responsibilities in the event of an unauthorized bill payment or unauthorized account transfer are disclosed below.  Please read the following EFT disclosures carefully.  You should print this document for future reference.   You may obtain a hard copy of this document from us at any time by calling or sending us an email or upon request in person. Additional information is also available in the Bank's Electronic Fund Transfers Disclosure.

If you believe your Sign-On ID, or Password has been compromised, lost, or stolen, or that someone has transferred or may transfer money from your account without your permission, call us immediately at the following number: 717-741-1770. You may also write to us at York Traditions Bank, 226 Pauline Drive, York, PA 17402.

Telephoning is the best way of keeping your possible losses to a minimum.

You could lose all the money in your account (plus overdraft protection).  If you tell us within two business days after you learn that your Sign-On  ID and Password have been compromised, lost or stolen, you can lose no more than $50.00 if someone used your Password without your permission.  If you do NOT tell 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 Sign-On ID and  Password without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows electronic transfers that you did not make or authorize, tell us at once.   If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

 If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods to a reasonable time.

Errors and Questions
In cases of errors or questions concerning transactions completed within Online Banking, do one of the following, as soon as possible:

1.       Telephone Online Banking support at 717-747-2600 or

2.       Write to Online Banking support, 226 Pauline Drive, York, PA 17402; or

3.       Email us, using the message function in Online Banking. Send the information to Customer Care.

We must hear from you within 60 days after we transmit the first statement or notification in which the error or problem appeared. Please include the following information:

Name

Account Number and your Sign-On ID

Description of the error or what you are unsure about, plus an explanation of why you believe it is an error or why you need more information.

Tell us the amount of the error.

For a Bill Pay error tell us:

·         Checking account number used to pay the bill

·         Payee name

·         Date the payment sent

·         Confirmation number

·         Payment amount

·         Payee account number for the payment in question.

·         Payee phone number for the payment in question.

 

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

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly.  We may extend the time frame for investigation to 20 business days on a new account, if the suspected error occurred outside the United States or if it occurred at a merchant location for the purchase of goods and services.  If we need more time, however, we may take up to 45 days to investigate your complaint or question.  We may extend the investigation up to days 90 days if on a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services.  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 your money during the time it takes us to complete our investigation.  We will provide provisional credit within 20 business days if a new account, if the suspected error occurred outside the United States, or if it occurred at a merchant location for the purchase of goods or services. If we ask you to put your complaint or question in writing and we do not receive it within ten business days, we may not provisionally credit your account.  We will tell you the results within 3 business days after completing our investigation.  If we determine 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.

Other Problems

If you believe an error, other than an electronic funds transfer problem has occurred, you can call us at 717-747-2600 or send secure email for information about how to handle the problem.

Disclosure of Account Information to Third Parties
Information about your account(s) or the transaction (s) you make will be disclosed to third parties only if at least one of the following applies:

1.   It is necessary to complete a transaction.

2.   It is necessary to verify the existence and condition of your account to a third party such as a credit bureau or merchant.

3.   To comply with a governmental agency or court order.

4.   If permission is given to us by you, which we may require to be in writing.

5.   It is necessary to assist us in collection of information for internal use,

6.   It is necessary for statistical information or security purposes of our service providers, our servicing agents, and/or contractors providing Online Banking and electronic funds transfer service.

7.   It involves a claim by or against us concerning a deposit to or withdrawal from your account.

Please refer to our privacy policy for additional detail on disclosure of account information.

Electronic Disclosures

If you agree, we may send you certain disclosures electronically in the future.  Please contact us for additional information.   

Equipment

Online Banking and electronic delivery of statements requires that your Internet browser be (Secure Socket Layer) SSL compliant. Most popular browsers support this security feature. We require this to maintain our high security level. If you have an early version of the WebTV browser it will not be SSL compliant.  However, the new version 2 and 3 currently support SSL. Some screens in Internet banking are maximized for computer users who can set their monitors to a resolution of 800x600 pixels. This requires WebTV users to scroll across on some pages. We cannot guarantee that Internet banking screens will appear as intended with WebTV browsers. 

Our Online Banking currently works with Internet Explorer 11 or higher, Mozilla Firefox 42 or higher, Chrome 47 or higher, and Edge 25 or higher.

You are solely responsible for the maintenance, installations, and operation of your computer.  York Traditions Bank shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor will we be responsible for any computer virus that affects your computer or software while using our Online Banking.   We encourage our customers to routinely scan their PC and removable media using a reliable virus detection product.  Undetected or unrepaired viruses may corrupt and destroy your programs, files, and even your hardware.  Additionally, you may unintentionally transmit the virus to other computers. 

By accessing our Online Banking, you agree that we shall not be liable for any indirect, incidental, or consequential costs, expenses, or damages (including lost savings or profit, lost data, business interruption, or attorney’s fees.) 

Termination/Inactivity
You may terminate the use of Online Banking by contacting us via US mail, e-mail, or personal delivery to York Traditions Bank. If your account(s) is closed or restricted for any reason, or if there has been no Online Banking activity for a period of six consecutive months, Online Banking accessibility will be inactivated.  In order to re-activate an inactive account, you must contact us at 717-747-2600.  We may at any time cancel all or part of the Services we generally offer. We may discontinue the Bill Pay function for no activity after a six month period.

If you terminate Bill Pay, you authorize us to continue making payments and other previously authorized transactions until we have a reasonable opportunity to act upon your termination notice; you also agree to pay all applicable fees and charges.  Once we have acted on your notice, we have no further responsibility to make any payments or previously authorized transactions.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania.

Assignment
This Agreement may not be assigned to any other party by you. We may assign or delegate, this Agreement in part or whole, to any third party.

Ownership of Material
Online Banking is a product of Fiserv, Inc. 

Amendments
Terms and conditions of this Agreement may be amended in whole or part at any time within 30 days written notification prior to the change taking effect. We may notify you of such changes by US mail, or if you agree, we may send you an email notice, which details the changes.  Email notifications may also direct you to a section of our website which will include the changes.  Amendments or changes to term(s) or condition(s) may be made without prior notice if it does NOT result in higher fees, more restrictive service use, disclosure of additional account information to third parties, or increased liability to you.  Also, if a change in term(s) or condition(s) is necessary to maintain or restore the security of our system or your account(s), no advance notice is required and we will then notify you within 30 days following such action.  If you do not agree with the change(s), you must notify us in writing or via email prior to the effective date to cancel your access to Online Banking.   Your continued use of the affected change in Online Banking is your agreement to the amendment (s).

Entire Agreement
This Agreement supplements any other agreements or disclosures related to your account(s), including the Deposit Account Agreement and Disclosures provided to you separately.

       

York Traditions Bank Mobile Deposit Service Addendum

Your use of the York Traditions Bank Mobile Deposit Service ("Service") is governed by the terms of the Online Banking Agreement & Disclosure, the Mobile Banking Terms and Conditions and this Addendum.  In this Addendum, the words "you" and "your" refer to you as the person entering into this Addendum. The words "we," "us," and "our" refer to York Traditions Bank.

1.  York Traditions Bank Mobile Deposit Service. The Service enables you to use the York Traditions Bank Mobile Banking application and certain hardware (such as a smartphone or other mobile device) approved by us to make deposits to your checking, savings or money market accounts by (i) creating electronic images of the front and back of an eligible check or other item and (ii) transmitting those images and other information, including, without limitation, information captured from the magnetic ink character recognition ("MICR") line, to us for review and processing in accordance with this Addendum.  
2.  Acceptance of these Terms. Your use of the Service constitutes your acceptance of this Addendum. This Addendum is subject to change from time to time. We will notify you of any material change via e-mail, text message, or on our website(s) by providing a link to the revised Addendum.  You will be prompted to accept or reject any material change to this Addendum the next time you use the Service after York Traditions Bank has made the change. Your acceptance of the revised terms and conditions along with the continued use of the Service will indicate your consent to be bound by the revised Addendum. Further, York Traditions Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service. Your continued use of the Service will indicate your acceptance of any such changes to the Service.
3. 
Qualification. In order to enroll in the Service, you must be designated as an authorized signer or owner of a York Traditions Bank Account that is eligible for this Service.  Eligible accounts are consumer checking, savings and money market accounts in good standing with us.
4.  Limitations of Service. When using the Service, you may experience technical or other difficulties. We cannot assume responsibility for any technical or other difficulties or any resulting damages that you may incur. We reserve the right to change, suspend or discontinue the Service, in whole or in part, or your use of the Service, in whole or in part, immediately and at any time without prior notice to you.  In the event this Service is not available to you, you acknowledge that you can deposit your check at a branch office location, through a participating ATM, or by mail. 
5.  Fees. We do not currently charge a fee for the Service for Personal accounts.
We may, upon at least 30 days prior notice to you, to the extent required by applicable law, charge or change a fee for use of the Service. If you continue to use the Service after the fee becomes effective, you agree to pay the service fee that has been disclosed to you, as may be amended from time to time.  You authorize us to deduct such fees from any deposit account in your name.  We will not be responsible for any fees that your wireless carrier may charge you.  

6.  Eligible items. You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to us is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:

Checks payable to any person or entity other than the person that owns the account that the check is being deposited into

Checks containing an alteration to any fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn

Checks payable jointly, unless deposited into an account in the name of all payees

Checks previously converted to a substitute check, as defined in Reg. CC

Checks drawn on a financial institution located outside the United States

Checks that are remotely created checks, as defined in Reg. CC

Checks not payable in United States currency

Checks dated more than 6 months prior to the date of deposit

Post-dated checks

Checks prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your account

Checks payable on sight or payable through drafts, as defined in Reg. CC

Checks that require authorization

Checks with any endorsement on the back other than that specified in this agreement

Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution

Savings bonds

Consumer loan, credit card and mortgage payments

Retirement (IRA) account deposits

Checks issued from a closed account

7.   Endorsement Requirements. You agree to endorse all items with your signature and print "For Mobile Deposit to York Traditions Bank" on all items.  We reserve the right to reject all items that are not endorsed as specified. 
8.  Deposit Limits.  A daily and per check limit has been established for this Service.  The limit per check is $2,500 and the daily deposit limit is $5,000.  You must submit a deposit by 4:00pm EST and also receive a deposit accepted notification by 6:00pm EST for the deposit to be considered for deposit on that business day.    
9. Receipt of Items. We reserve the right to reject any item transmitted through the Service, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from us that we have accepted the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

10. Availability of Funds. You agree that items transmitted using the Service are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received before 4:00 pm EST and accepted before 6:00 pm EST on a business day that we are open, we consider that day to be the day of your deposit.  Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Service will generally be made available no later than one business day from the day of deposit. We may extend the hold period beyond one business day based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as we in our sole discretion, deem relevant  For the purposes of this Addendum, business day is defined as Monday through Friday, and excludes Federal holidays.
11. Disposal of Transmitted Items. Upon your receipt of a confirmation from us that we have received an image that you have transmitted, you agree to retain the check for at least 7 calendar days from the date of the image transmission. After 7 days, you agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to promptly provide it to us upon request.  You also agree to take appropriate security measures to ensure check is not duplicated or scanned more than once.
12. Failed Items. Each business Day on which we review and process your item, we will use commercially reasonable efforts to review each item and to reject any item that we in our sole discretion determine to be ineligible for the Service (each, a "Failed Item"). "Failed Item" includes, without limitation, an item that (a) is illegible or contains MICR data that is not machine-readable, (b) was previously processed, (c) is drawn on a bank located outside the United States and is not payable at or through a bank located within the United States or (d) is not properly endorsed.  If you wish to attempt to deposit any Failed Item to your Account, you shall do so only by depositing the original Paper Item at one of our branch offices. 
13. Presentment. The manner in which the items are cleared, presented for payment, and collected shall be in our sole discretion.
14. Errors. You agree to notify us of any suspected errors regarding items deposited through the Service right away, and in no event later than 30 days after the applicable account statement is sent. Unless you notify us within 30 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against us for such alleged error.
15. Errors in Transmission. By using the Service you accept the risk that an item may be intercepted or misdirected during transmission. We bear no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors.
16. Image Quality. The image of an item transmitted to us using the Service must be legible, as determined in the sole discretion of us. Without limiting the foregoing, the image quality of the item must comply with the requirements established from time to time by us, ANSI, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

 17. User Warranties and Indemnification. You warrant to us that:

You will only transmit eligible items.

You will not transmit duplicate items.

You will not re-deposit or re-present the original item.

All information you provide to us is accurate and true.

You will comply with this Addendum and all applicable rules, laws and regulations.

You are not aware of any factor which may impair the collectability of the item.

You agree to indemnify and hold us harmless from any loss for breach of this warranty provision.

Any breach of the above warranties may result in cancellation of the Service for you, closure of your accounts, or termination of the client relationship.18. Cooperation with Investigations. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.
19. Termination.
You or we may terminate the Service at any time and for any reason.  This Addendum shall remain in full force and effect unless and until it is terminated by us. Without limiting the foregoing, this Addendum may be terminated if you breach any term of this Addendum, if you use the Service for any unauthorized or illegal purposes or you use the Service in a manner inconsistent with the terms of your Online Banking Agreement & Disclosure, Mobile Banking Terms and Conditions or any other agreement with us.
20. Enforceability. We may waive enforcement of any provision of this Addendum. No waiver of a breach of this Addendum shall constitute a waiver of any prior or subsequent breach of the Addendum. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Addendum. In the event that any provision of this Addendum shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Addendum  shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.