Online Banking

Electronic Services Terms and Conditions

Please read and agree to the Electronic Services Terms and Conditions in order to enroll for our Electronic Banking solutions.

 

(Bill Pay Application is available at the end of the Terms and Conditions)

This disclosure has been updated to include information about the “My Finance” feature of Isabella Banks’ Online Banking. This new service is designed to make managing your online finances easier than ever before. This feature is free and optional to use. This means that the terms and conditions are effective only if you accept them here and then begin using this feature.

* My Finance is a personal financial management tool that allows you to view your complete spending picture in one place regardless of where the purchase information comes from.


Isabella Bank Electronic Services Terms and Conditions

Electronic Services encompasses several services that Isabella Bank offers including Online Banking, Bill Payment, eStatements, Debit and ATM cards, Mobile and SMS Text Msg Banking. By enrolling in one or more of Isabella Bank’s “Electronic Services” you also agree to abide by the Terms and Conditions (the "Rules") governing your Accounts. Please read these additional Terms and Conditions carefully and retain them for your records. We have the right to change the Terms and Conditions at any time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Eligible Accounts, as defined below, on our records as provided in the Rules, or as otherwise permitted by law.

DEFINITIONS. In the provisions hereof, the terms “you”, “I”, “me” and “your” refer to the consumer. The term “we”, “us” and “our” refer to the Isabella Bank and any agent, independent contractor, designee, or assignee that Isabella Bank may, in its sole discretion, involve in the provisions of electronic services including but not limited to Jack Henry & Associates, Incorporated. The word “Payee” means an individual or business that you designate to receive one or more payments. “Payment Date” mean the scheduled date on which a Bill Payment is initiated. “Designated account” means the Isabella Bank checking account out of which funds will be taken to pay bills. This account may not have any transaction restrictions either established by you or under regulatory requirements. “Business days” are Monday through Friday, except bank holidays. “You” and “yours” refer to the person(s) subscribing to or authorized to use Electronic Services. “Eligible Account (s)” means the deposit, loan and other accounts you have at Isabella Bank to which you have access through Online Banking and that does not have transaction restriction, such as a regular certificate of deposit.

CONTACT INFORMATION. At certain times you will be instructed to contact us to resolve an issue or to answer any questions. The following is the contact information to write to us or reach us by phone (weekdays 9:00 am to 4:30 pm).

Isabella Bank
Bookkeeping Dept
139 E Broadway St
PO Box 100
Mt Pleasant, MI 48804-0100

Telephone Us:
1-800-651-9111 (outside Mt Pleasant)
1-989-772-9471 (in the Mt Pleasant area)

 

Online Banking

Function
Online Banking is an electronic banking service available to you through a PC, Mobile Phone or similar device, using the access method specified in Section 1. You may use Online Banking to check the balance in and recent activity of each of your Accounts and to transfer funds between your Eligible Accounts (see Section 4).

The Accounts to which you may have access through Online Banking are your checking accounts, savings accounts, installment loan accounts, mortgage loan accounts, home equity accounts, line of credit accounts, certificate of deposit accounts, and individual retirement accounts on which you are an owner or co-owner. All eligible accounts you open in which you are an owner or co-owner, and opened after enrollment in Online Banking, will be included on your Online Banking account. Certain account types are NOT eligible and some specific accounts may be excluded per your written request.

Section 1. Access Methods
Use Microsoft® Internet Explorer 7.0 (or higher), Firefox 3.0 (or higher), Safari for Mac and must use 128 bit encryption. The Internet web site for Online Banking is located at www.isabellabank.com or such other Internet addresses as we may provide. No additional software is required for Internet access. Information is not stored on your PC or Mobile PC or Mobile Phone unless you specifically download it to your PC.

Section 2. Adding, Changing and Removing Accounts 
All eligible accounts you open in which you are an owner or co-owner, and opened after enrollment in Online Banking, will be included on your Online Banking account. Certain account types are NOT eligible and some specific accounts may be excluded per your written request. If at any time you wish to change your Eligible Accounts, add an Account, or remove an Account, you must provide us at least ten (10) Business Days advance notice. Please call or write to us using the contact information above or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .

Section 3. Your Logon ID and Password 
You will need a Logon ID and a Password to access Online Banking. Your initial Logon ID will be mailed to you in approximately 3 to 5 business days after your application is received by us. THE PASSWORD REQUIRED FOR THIS INITIALLOGON WILL BE THE LAST 4 DIGITS OF YOUR SOCIAL SECURITY/TAX ID NUMBER. YOU WILL BE REQUIRED TO CHANGE YOUR PASSWORD AFTER YOUR INITIAL LOGON TO A NEW PASSWORD MEETING THE REQUIREMENTS DISCLOSED ONLINE. You can change your Online Banking Password at any time. You authorize us to follow any instructions entered through Online Banking using your Logon ID and Password.

Because your Logon ID and Password can be used to access funds in some of your linked accounts and to access information about any of your linked accounts, you should treat your Logon ID and Password with the same degree of care and secrecy that you use to protect other sensitive financial data. You agree not to give your Logon ID or Password, or make them available, to any other person. You also agree to notify us immediately upon the loss of your Password or the discovery of the unauthorized use of your Logon ID or Password.

For your protection, your access to Online Banking will be blocked in the event your Logon ID or Password is entered incorrectly on three (3) consecutive access attempts. There are two options for having your account reset; Online Password Reset or contact our Bookkeeping Department.

You may register in advance to use our Online Password Reset service by following these steps:
1. Log into your Online Banking account using your Online Banking ID and PIN (Password).
2. Click on the Options tab.
3. Verify your email address on file is current and correct.
4. Under Modify Personal Settings, establish a password reset question and password reset answer. In the future, when you reset your password, you will be asked to answer the reset question that you have established. Your answer must match the reset answer you established (case sensitive) in order to reset your password.

After you have established this information on file, you can utilize the Reset Password link on the login screen of your Online Banking account.

If you have not established the Reset Password service ahead of time, our Bookkeeping Department can assist you. Please call (989) 772-9471 or (800) 651-9111, Monday through Friday, 8:30am - 4:30pm Eastern Time. For security reasons, we cannot reset your Online Banking password using an email request.

Section 4.Transfers 
Transfers may be made between Eligible Accounts. To schedule a transfer of funds between Eligible Accounts, you must provide the Eligible Accounts (from and to) which the transfer is to be made and the amount to be transferred. Any attempted transfer that exceeds the available balance in the Eligible Account from which the funds are to be transferred will not be made. After you send the transfer instructions, you will receive a confirmation number. You should record this confirmation number for reference for future questions about this transaction that you may have.

Section 5. Timing of Transfers 
Transfers of available funds may be made any day at any time. Transfers may be canceled or modified until the time of processing at 6pm on business days. Transfers made after 6 p.m. Monday through Friday will be processed on the next business day but will show in your available balance.

Section 6. Reviewing Transfers 
Online Banking automatically includes records of past transfers as part of your account activity that can be displayed online. You can also download up to ninety (90) days of account history, including transfers, to your PC.

Section 7. Balance Inquiries 
You may use Online Banking to check the balances and recent activity of your Accounts. Any balance shown by Online Banking will include a date as of which the balance is current. The balance shown by Online Banking may not be your actual available balance. It may include deposits still subject to verification by us. The balance shown may also differ from your records because it may not include deposits in progress, outstanding checks, or other withdrawals, payments, or charges, or items in process.

Section 8.Statements 
All of your transfers made through Online Banking will appear on your monthly Account statement(s) and will be identified by initiation date and amount transferred. You may also review and/or download the current cycle's statement plus the prior two (2) months statements.

Section 9. Electronic Mail Messages 
Because we may transmit information to you electronically, you will need to provide us with an e-mail address. Online Banking also provides you with the ability to send electronic mail messages to communicate information to us. Please remember that electronic mail messages sent through Online Banking may not be immediately received by us. These messages are sent by regular e-mail and are not protected as your banking transactions are. In addition, once you retrieve electronic mail messages sent through Online Banking, they are not available for subsequent retrieval in future online banking sessions. If you need to contact us immediately use the contact information on page 1.

Section 10. Fees 
There are no monthly fee for the Service. These fees may be amended from time to time in accordance with the Rules. All other fees applicable to your accounts remain in effect; see your Account Terms and Conditions for other fees that may be applicable.

Section 11. Equipment 
We are not responsible for any loss, damage or injury resulting from (a) an interruption in your electrical power or telephone service; (b) disconnection of your telephone service by your local telephone company or from deficiencies in your line quality; or (c) any defect or malfunction of your PC, modem or telephone service; or (d) Isabella Bank's Online Banking systems. We are not responsible for any products or services relating to your PC, other than those specified herein. We also are not responsible for any damage to your PC, software, modem, telephone or other property resulting from the use of Online Banking including any damage resulting from a virus.

Section 12. Hours of Operation 
Online Banking is available seven (7) days a week, 24 hours a day, except during maintenance periods or periods during which Online Banking otherwise is not operable.

Section 13. Your Rights and Liabilities 
Your rights and liabilities regarding losses that occur because your Logon ID or Password is used without your permission, or with respect to errors, are outlined in the “Electronic Funds Transfers Disclosure Statement.”

You also agree that we may obtain information regarding your Eligible Accounts and disclose information about your Accounts to third parties in order to support Online Banking.

You may terminate your use of Online Banking at any time by: contacting Isabella Bank’s Customer Service toll-free at 1-800-651-9111. (outside the Mount Pleasant area) or 989-772-9471 (inside the Mount Pleasant area); in writing at Customer Service, P.O. Box 100, Mount Pleasant, MI 48804-0100 or by sending an e-mail to us via the Internet at This e-mail address is being protected from spambots. You need JavaScript enabled to view it. . You must notify us at least ten (10) business Days prior to the date on which you wish to have your enrollment in Online Banking terminated. We may require that your request be in writing.

We may terminate at any time your access to Online Banking, in whole or in part, for any reason without prior notice. Termination will not affect your liability or obligations for transfers or payments we have processed on your behalf.

Section 14. Limitation of Liability
Except as otherwise provided herein or by law, we are not responsible for any loss, injury, or damage whether direct, indirect, special, or consequential, caused by Online Banking or your use of Online Banking or arising in any way out of the installation, use, or maintenance of Quicken, MS Money or other software.

BILL PAY

Section 1. Eligibility
In order to enroll in Bill Payment, you must also be enrolled in Online Banking. You must complete an application, sign it, and return it to us. By signing the application you acknowledge receipt and acceptance of the Terms and Conditions and agree to be bound by the same. The Terms and Conditions may be amended from time to time by notice mailed or e-mailed to you at the last address or e-mail address shown for your Designated Account. All of the rules applicable to Online Banking are also applicable to Bill Payment, except as otherwise provided below. To access Bill Payment, you must have a qualified checking account with us that you designate on your application form. As stated in DEFINITIONS, this account may not have any transaction restrictions. Also, this account must meet our credit criteria.

If you wish to change your Designated Account, we request that you provide us with ten (10) business days advance written notice. After changing your Designated Account, anyone having access to your Online Banking service and Bill Payment service will have access to the new Designated Account. If you do not want this, you must close your existing Online Banking and Bill Payment services and reapply.

Section 2. Access
You should keep your ID and PIN for Online Banking in a secure location. Anyone with access to your ID and PIN will be able to access Bill Payment and perform all transactions including making transfers or payments to other persons. For this reason, these numbers should not be stored on a computer since other individuals may have access to the computer and be able to make unauthorized transfers or payments. You must notify us immediately if you think your Online Banking ID number or PIN has been lost or stolen.

Generally, Bill Payment is available 24 hours a day, 7 days a week, except during maintenance periods. We are not liable under this Agreement for failure to provide access due to a system failure or other unforeseen acts.

Section 3 Setting Up Payments
You may make payments through Bill Payment to any business, merchant, or professional that generates a bill or invoice for products or services provided to you or on your behalf and that has a U.S address and phone number ("Business Payee"). You also may make payments through Bill Payment to individuals, family, or friends for non-business purposes. Payments may be made only to payees with a U.S. payment address. You may not make a payment of alimony, child support, taxes, or any other governmental fees or court directed payments through Bill Payment.

You must provide sufficient information about each payee ("Payee Information"), and such other information as we may request from time to time, to properly direct a payment to that payee and to permit a Business Payee to identify the correct account ("Payee Account") to credit with your payment. This information may include, among other things, the name and address of the payee and your Business Payee account number. Your Payee Information and any additions, deletions, and changes to Payee Information are entered directly on your PC. Your Payee Information can be retrieved at your convenience. Because there is always a possibility that the Payee Information may be lost or accidentally destroyed, you should keep a copy of your Payee Information somewhere other than your PC, so that you may readily retrieve it.

You may have up to 99 payees. From time to time, we may change the number of payees you may designate to receive payments through Bill Payment.

After submitting an online bill payment, you will receive a confirmation number. You should record this confirmation number in your records because it will help us resolve any questions you may have concerning a payment.

Section 4. Scheduling Payments 
All payments are made from your Designated Checking Account. To schedule a payment, you must provide the name of your payee, the amount of your payment, and the date or dates on which you want your payment to be initiated. Any attempted payment that exceeds the available balance in your Designated Checking Account may be rejected.

You may not schedule duplicate payments. A duplicate payment is one that is scheduled to be made to the same payee on the same Business Day for the same amount. You may schedule multiple payments to the same payee as long as the payment amounts are different.

At the end of each Bill Payment request, you will be given a confirmation number. You should record this number in your records because it will help us resolve any questions you may have concerning the payment.

Section 5. Payment Processing 
Although you can enter payment instructions through Bill Payment seven (7) days a week/24 hours a day (excluding maintenance and other availability windows) payments will be "processed" only on Business Days. Payments are deducted from your designated account once the payment is processed. We may remit your payments by mailing your payee a check or by an electronic payment method. Because of the time it takes to transmit your payment to your payees you should schedule a check payment a minimum of 5 business days in advance of the payment due date. Electronic payments should be scheduled 3 business days prior to the payment due date. You should allow additional time for the first payment you send to a payee through Bill Payment to allow the payee to adjust to the new form of payment. In no case will the Bank be liable for late fees or other damages arising from failure of payments to be made prior to the payment due date of any of your accounts due with any payee.

You can tell how we will make the payment. Once you have set up the vendor or merchant, then look at the VIEW PAYEES screen and you will see a field that will tell you if the vendor is (e) electronic or (c) check.

Section 6. Insufficient Funds 
We may refuse to act on your instructions if sufficient funds (including funds available under any overdraft line of credit) are not available in your designated account on the date you want us to initiate your payment.

When a payment is made by check, this check will process in the same manner as all other checks. Should this item overdraw your account it may be returned NSF to your payee and may be subject to all applicable fees.

Section 7. Timing of Payments
(a) Current Payments: Generally, Online Banking Bill Payment is available 7 days a week, 24 hours a day, except during maintenance periods. We are not liable under this agreement for failure to provide access due to a system failure or unforeseen acts.
(b) Future Payments: You may schedule payments up to 90 days in advance of the due date. If you schedule a future payment for a non-Business Day, your payment will be initiated on the previous Business Day. You may cancel or change a future payment at any time prior to the system processing on business days which occurs at 1:00pm and 3:00am CST.
(c) Recurring Payments: You may schedule payments that do not vary in amount to initiate automatically on a regular schedule of your choice. Recurring payments can have an end date of any year in the future.

If you choose a date at the end of the month that does not exist in a particular month, the payment will be initiated on the last business day of the month. If the scheduled recurring payment falls on a day, which is not a Business Day in a particular month, the payment will be initiated on the prior Business Day.

You may change the amount of the recurring payment or cancel the recurring payment altogether. To affect a payment scheduled for the same Business Day, you must do so before payment processing which is scheduled at 3 a.m. and 1 p.m. CST each business day.

Section 8. Canceling or Changing Payments
You may use Bill Payment to change both the amount and the initiation date of any scheduled payment. A scheduled payment for the same Business Day, including recurring payments, may be canceled, changed, or rescheduled in this manner any time prior to payment processing at 12:00pm and 2:00am CST each business day.

Section 9. Reviewing Payments
Online Banking automatically includes records of past online bill payments as part of your account activity that can be displayed online. You can also download up to 90 days of account history.

Section 10. Statements
All of your payments made through Bill Payment will appear on your monthly Account statement(s). The payee name, payment amount, and initiation date will be reflected for each electronic payment made through Bill Payment. Checks generated through Bill Payment clear your account as any other check.

Section 11. Fees
Personal Consumer accts will be charged .40 cents for each payment initiated during your monthly checking cycle depending on the account type (see your Account Terms and Conditions to see if these fee may be applicable for your account type). Non-personal accounts are charged for the Bill Payment Service. The monthly fee is $4.00 and .44 cents for each payment initiated during your monthly checking cycle. These fees may be amended from time to time in accordance with the Rules. All other fees applicable to your Accounts remain in effect, for example Stop Payment fees and Overdraft fees etc.

Section 12. Termination of Bill Payment Service
You may terminate your use of Bill Payment at any time by writing or calling us using the contact information on page 1. You must notify us at least ten (10) business days prior to the date on which you wish to terminate Bill Payment. We may require that you put your request in writing. If you have scheduled payments to occur within this ten (10) day period and do not want them to clear your account, you must also separately cancel those payments. If we have not completed processing your termination request and you have not otherwise canceled a payment, you will be responsible for payments initiated before termination. We may terminate your use of Bill Payment in whole or in part, at any time without prior notice, except as otherwise required by law. Termination will not affect your liability for obligations under this Agreement accruing prior to the date of termination.

We may terminate your use of Bill Payment in whole or in part, at any time without prior notice, except as otherwise required by law. Termination will not affect your liability for obligations under this Agreement accruing prior to the date of termination.

ESTATEMENTS

Function 
eStatement is the ability to receive a record of your account(s) in the form of an email. If you are currently receiving copies of checks with your statement, you will need to access and print these copies from your Online Banking option instead. (see section 7)

Section 1. Scope and Duration.
You have elected to receive all available disclosures, notices and other records (“records”) from us in electronic form in lieu of a paper copy, until you close the account(s) or until such time the events described in the Changing Your E-Mail Address or Withdrawal Of Consent provisions occur.

Section 2. System/Software Requirements.
Below are the necessary hardware and software requirements you must have in order to receive and retrieve records electronically. We will notify you of any change in the hardware or software requirements needed for access to or retention of electronic records. It is necessary to have Adobe Acrobat Reader 6.0.1 or above installed on your PC to view the statement. You can obtain a free copy of Adobe Acrobat Reader by visiting http://www.acrobat.com/products/acrobat/readsteps2.html. It is recommended that Internet Explorer 7.0 or later be installed on your PC. You must have online banking access.

Section 3. Confirmation.
By electing to have your records provided to you in an electronic form, you agree to confirm your ability to receive these records electronically by following any procedures specified by us, from time to time. When we notify you of any system changes, you must reconfirm your consent according to the instructions provided at the time, or withdraw your consent.

Section 4. Requesting Paper Copies. 
You may request paper copies of any of the above described disclosures or eStatements for your records. There may be a fee charged for this service. Please contact your local branch representative or the customer service department at the phone number or address listed on page one of the Terms and Conditions.

Section 5. Changing your e-mail address.
If you change your e-mail address or other contact information, you must provide us with your new e-mail address or other contact information. The change will not be effective until we receive it and have had a reasonable opportunity to act upon it. If you fail to provide us with this information and electronic records are returned undelivered, we will begin sending your statements via US mail to the most current street address on file. You agree to notify us immediately if you are unable to access any of the information that has been delivered to you by us in an electronic form or manner.

Section 6. Withdrawal of Consent.
Any authorized signer, for the account(s) listed on the Electronic Services Enrollment Form, has the right to withdraw at any time the consent to have records provided in electronic form, either using the Withdrawal of Consent document or in any notification approved by us. Your consent withdrawal will not be effective until we receive it and have had a reasonable opportunity to act upon it. There are no fees associated with withdrawal of consent.

Section 7. Images of checks.
Images of checks drawn on checking accounts are available through the Netteller transaction listing by clicking on the check number. These images are available for download and/or printing for the current statement cycle ONLY. Images must be archived to your home computer if you wish to retrieve them at a later date.

Section 8. Liability
We shall not be responsible or liable for: consequential or incidental damages for negligent performance by bank of it’s services, damages arising from unauthorized access to eStatement Services, or any costs associated with updating, modifying or terminating a customer’s software or hardware.

Section 9. Acknowledgement
By clicking I agree to these Terms and Conditions, you acknowledge that you have read and understand the above provisions and request and authorize us to provide you with records for the account(s) indicated on your enrollment form.

REGULATION E: ELECTRONIC FUND TRANSFER DISCLOSURE

The Electronic Fund Transfer Act and Regulation E require Banks to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account and automatic regular payments made from your account to a third party. This disclosure also applies to the use of your ATM Card or ATM & Visa Check Card at our automated teller machines (ATMs) and any networks described below.

This disclosure contains important information about your use of electronic fund transfer (EFT) services provided by this Bank in relation to accounts established primarily for personal, family or household purposes. Please read this document thoroughly and retain it for future reference.

Electronic Fund Transfer Services Provided

Section 1.
Services Provided through use of ATM Card or ATM & Visa Check Card. If you have received an electronic fund transfer card (“ATM Card” or “ATM & Visa Check Card”) from us you may use it for the type(s) of services noted below, and the following provisions are applicable:.


Using your card and Personal Identification Number (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the ATM Card or ATM & Visa Check Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your ATM Card or ATM & Visa Check Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to another account: you agree to pay us the amount of the improper withdrawal or transfer upon request.

Your ATM Card may only be used with your PIN. Certain transactions involving your ATM & Visa Check Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify the Bank immediately if your ATM Card or ATM & Visa Check Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your ATM Card or ATM & Visa Check Card or to write your PIN on your ATM Card or ATM & Check Card or on any other item kept with your ATM Card or ATM & Visa Check Card. We have the right to refuse a transaction on your account when your ATM Card or ATM & Visa Check Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account. The security of your account depends upon your maintaining possession of your ATM Card or ATM & Visa Check Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of you PIN has been compromised. You may only change your PIN by visiting any of our Bank lobby locations where PIN generation equipment is available.

Section 2.
ATM Card Services

The following services are available through use of your ATM Card and ATM & Check Card:

You may withdraw cash from your checking account(s), Savings account(s), money market account(s), and NOW account(s).

You may withdraw cash, make deposits into, and make balance inquiries from your checking account (s), savings account (s), money market account (s), and NOW account (s).

You may make deposits into your checking account (s), savings account (s), money market account (s), and NOW account (s).

You may transfer funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, NOW accounts and money market accounts.

You may make balance inquiries on your checking account (s), savings account (s), money market account (s), and NOW account (s).

You may make payments on consumer loans, home mortgage loans, and home equity loans accounts that you have with us. Payments made at ATMs (whether by transfer, or in cash, check, draft, or money order) are subject to verification and the posting of such payments to a loan account may be delayed until the funds can be collected.

Network.

Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.

Besides being able to use your ATM Card or ATM & Visa Check Card at our ATM Card terminals, you may access your accounts through the following networks: NYCE & PLUS.

ATM Fees. When you use an ATM not owned and operated by Isabella Bank, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Section 3.
Point of Sale Transactions.
You may use your ATM & Visa Check Card to purchase goods and services from merchants that have arranged to accept your ATM & Visa Check Card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your ATM card or ATM & Visa Check Card, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. The designated account for ATM card or ATM & Visa Check Card transactions is your checking account.

In addition, your ATM & Visa Check Card may be used at any merchant that accepts Visa Debit cards for the purchase of goods and services. Your card may also be used to obtain cash from your designated account at participating financial institutions.

Each time you use your ATM Card or ATM & Visa Check Card, the amount of the transaction will be debited from your designated account. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for the ATM Card or ATM & Visa Check Card. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available Overdraft protection. If we do, you agree to pay the overdraft..

PIN-LESS DEBIT TRANSACTIONS - Visa Card: When you use your card with a Visa logo on the Nyce or Plus networks the transaction may be processed as a debit transaction without requiring PIN. Transactions that are completed as PIN-less debit transactions will not be processed by Visa and may post to your account as an ATM or Debit transaction rather than a Visa purchase. Transactions processed in this manner may not qualify for Visa rewards or points as they are not processed on the Visa network. Transactions completed as PIN-less debit transactions include, but may not be limited to, government payments, utilities, and property management fees.

Currency conversion. When you use your card with the Visa logo at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date, in each instance, plus or minus any adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date.

IMPORTANT ADDITIONAL FEE NOTICE: Visa charges an International Service Assessment Fee on all international transactions. Therefore, transactions completed with your Visa card will be subject to an international services assessment (ISA) Fee of 1.00% of the transactions amount when there is a currency conversion. If there is no currency conversion (the transaction is completed in the same currency as your country as cardholder), the ISA Fee will be 0.800% of the transaction amount.

Section 4.
Services Provided through use of Touch Tone Banking - Telephone Transfers

You may perform the following functions through use of Touch Tone Banking Telephone Transfers.
You may initiate transfers of funds between your checking and savings accounts, checking and money market accounts, checking and NOW accounts, savings and money market accounts, savings and NOW accounts, and NOW accounts and money market accounts.

You may make balance inquiries on your checking account (s), savings account (s), money market account (s), and NOW account (s).

You may make payments on consumer loans, home mortgage loans, and home equity loans that you have with us.  You may change your PIN via the telephone.

Section 5.
Preauthorized Transfer Services.
You may arrange for the preauthorized automatic deposit of funds to your checking account (s), savings account (s), money market account (s), NOW account (s) and Christmas Club account (s).
You may arrange for the preauthorized automatic payment of bills from your checking account (s), savings account (s), money market account (s), and NOW account (s).

Section 6.
Services Provided through Online Banking

Isabella Bank offers its customers use of our Netteller service. By logging into our website at www.isabellabank.com and using your user ID and password, you may:

  •  transfer funds between accounts
  •  make payments from checking or savings to loan account(s) with us.
  •  make payments from checking to third parties (Bill Payment) refer to our separate Bill Payment agreement for applicable fees.

Get information about:

  •  the account balance of checking or savings account(s)
  •  deposits to checking or savings account(s)
  •  withdrawals from checking or savings account(s)

Transactions by Netteller done by 6:00 pm weekdays will be processed the same day. All transactions after 6:00 will be processed the next business day.

Section 7.
Service Provided through use of Electronic Check Conversion

You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or to pay bills.

Electronic Returned Check Charge.
Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.

Section 8.
Limitations on Transactions
. ATM Card: You may withdraw up to $500 through use of ATMs in any one day.

Point of Sale limitations: You may buy up to $500.00 worth of goods or services in any one day through use of our Point of Sale services ATM card & ATM & Visa Check Card: You may withdraw up to $500 through use of ATMs in any one day.

Point of Sale limitations: You may purchase up to $2,000 worth of goods or services each day through use of our Point of Sale service.

Other Limitations: The terms of your account (s) may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise. We reserve the right to impose limitations for security purposes at any time.

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or Check Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or Visa Check Card and/or code to $50 per day or some other amount acceptable to us.

Limits on Transfers from Certain Accounts. Federal regulation limits the number of checks, telephone transfers, online transfers and preauthorized electronic transfers to third parties (including Point of Sale transactions) from money market and/or savings type accounts. You are limited to six such transactions from each money market and/or savings type account(s) you have each month for purposes of making a payment to a third party or by use of a telephone or computer.

Section 9.
Notice of Rights and Responsibilities.
The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

Right to Receive Documentation of Your Transfers Transaction receipts. Depending on the location of an ATM, you may not be given the option to receive a receipt if your transaction is $15.00 or less. Upon completing a transaction of more than $15.00, you will receive a printed receipt documenting the transaction (unless you choose not to get a paper receipt). These receipts (or the transaction number given in place of the paper receipt) should be retained to verify that a transaction was performed. A receipt will be provided for any transaction of more than $15.00 made with your ATM Card or ATM & Visa Check card at a Participating Merchant. If the transaction is $15.00 or less, the Participating Merchant is not required to provide a receipt.

Periodic statements. If your account is subject to receiving a monthly Statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.

Preauthorized Deposits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

  • the person or company making the deposit will tell you every time they send us the money.
  • you can call us at 989 772-9471 or 800 651-9111 to find out whether or not the deposit has been made.

Rights Regarding Preauthorized Transfers Rights and Procedures to Stop Payments. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment, call us at:

(989) 772-9471 or 800 651-9111

or write to:

Isabella Bank
Bookkeeping Dept
139 E Broadway
PO Box 100
Mt Pleasant, MI 48804-0100

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after your call.

Notice of Varying Amounts. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten days prior to the payment date of the amount to be deducted. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Our Liability for Failure to Stop Preauthorized Transfer Payments.
If you order us to stop one of the payments and have provided us with the information we need within three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

Your Responsibility to Notify Us of Loss or Theft.
If you believe your ATM card, ATM & Visa Check Card, PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call us at:

(989) 772-9471 or 800 651-9111  (9:00 am to 4:30 weekdays)

or write to:

Isabella Bank
Bookkeeping Dept
139 E Broadway
PO Box 100
Mt Pleasant, MI 48804-0100.

Consumer Liability. Tell us AT ONCE if you believe your ATM Card, ATM & Visa Check Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days after you learn of the loss or theft of your ATM Card or ATM & Visa Check Card or PIN, you can lose no more than fifty dollars ($50)if someone used your ATM Card or ATM & Visa Check Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your ATM Card, ATM & Visa Check Card or PIN and we can prove we could have stopped someone from using your ATM Card, ATM & Visa Check Card or PIN without your permission if you had given us notice, you could lose as much as five hundred dollars ($500).

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was transmitted /mailed to you, you may not get back any money you lost after the 60 days and therefore you could lose all the money in your account (plus your maximum overdraft line of credit, if applicable), if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or a hospital stay)kept you from telling us, we will extend the time periods.

Consumer Liability for Unauthorized Transactions Involving ATM & Check Card. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your Card with the Visa logo. These limitations apply to unauthorized transactions processed on the Visa Network.

If you notify us about an unauthorized transaction involving your ATM & Visa Check Card, and the unauthorized transaction took place on the Visa Network, zero liability will be imposed on you for the unauthorized transaction. We may increase the limit of your liability for such unauthorized transactions if we reasonable determine, based on substantial evidence, that you were grossly negligent or fraudulent in the handling of your account or your ATM & Visa Check Card. The zero liability provision does not apply to PIN-based transactions not processed by the Visa Network, including ATM transactions.

Your liability for unauthorized transactions with your ATM & Visa Check Card that involve PIN-based or PIN-less debit transactions not processed by the Visa Network, including ATM transactions are described under "Consumer Liability" above.

In Case of Errors or Questions About your Transactions.
In case of errors or questions about your electronic funds transfer, call us at:
(989) 772-9471 or 800 651-9111 (outside the Mt. Pleasant area) or write to:
Isabella Bank - Bookkeeping Dept - 139 E Broadway St - PO Box 100 - Mt Pleasant MI 48804-0100

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact the Bank no later than 60 days after the first statement it sent you on which the problem or error appears. You must be prepared to provide the following information: your name and account number, a description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information, and the dollar amount of the suspected error.

If you provide us with oral notice, you may be required to send in your complaint or question in writing within ten (10) business days.

We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or point of sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty business (20) days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) calendar days after the first deposit to the account is made, including those for foreign initiated or point of sale transactions.

Visa’s cardholder protection policy requires that we provide provisional credit for losses from unauthorized Visa Check Card use within five (5) business days of the notification of the loss.

We will tell you the results within three (3) 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.

Disputes regarding Point of Sale transactions
Reversal of Transaction - Isabella Bank will reverse an EFT resulting from a Point of Sale transaction at a Participating Merchant and re-credit your account for the full amount of the transfer if all of the following occur:
1. You provide us notice of having made a good faith attempt to seek redress and make an assurance to us of the return to the Participating Merchant of related goods in dispute, where returnable good are involved.
2. The amount of the transaction is $50.00 or more.
3. Within four (4) calendar days following the transaction, we receive from you during our normal business hours a written or oral request for the reversal. You must verify any oral reversal order, notice and assurance in writing with fourteen (14) calendar days following the oral notification, on a form to be provided by us for that purpose, if written verification is not furnished, we will reinstate the original debits and credits involved in the transaction.

Liability for Failure to Complete Transaction. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

  1. If through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
  3. If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
  4. If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
  5. If we have terminated our Agreement with you.
  6. When your ATM Card or ATM & Visa Check Card has been reported lost or stolen or we have reason to believe that something is wrong with the transaction.
  7. If we receive inaccurate or incomplete information needed to complete a transaction.
  8. In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
  9. If the funds in the account are subject to legal action preventing a transfer to or from you account.
  10. If the electronic terminal does not have enough cash to complete the transaction.
     

There may be other exceptions provided by applicable law.

Charges for Transfers or the Right to Make Transfers. We reserve the right to impose a fee and to change fees upon notice to you.

Disclosure of Account Information.  We will disclose information to third parties about your account or electronic fund transfers made to you account:

1. Where necessary to complete a transfer or to investigate and resolve errors involving the transfer (s); or
2. In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. As explained in the separate Privacy Disclosure.

Definition of Business Day.  Business days are Monday through Friday excluding holidays.

Notice of ATM Safety Precautions Safety Precautions for ATM Terminal Usage. Please keep in mind the following basic safety tips whenever you use an ATM:
 

  • Have your ATM Card or ATM Visa Check Card ready to use when you reach the ATM. Have all of your forms ready before you get to the machine. Keep some extra forms at home for this purpose.
  • If you are new to ATM usage, use machines close to or inside a financial institution until you become comfortable and can conduct your usage quickly.
  • If using an ATM in an isolated area, take someone else with you if possible. Have them watch from the car as you conduct your transaction.
  • Do not use ATMs at night unless the area and machine are well-lighted. If the lights are out, go to a different location.
  • If someone else is using the machine you want to use, stand back or stay in your car until the machine is free. Watch out for suspicious people lurking around ATMs, especially during the times that few people are around.
  • When using the machine, stand so you block anyone else’s view from behind.
  • If anything suspicious occurs when you are using a machine, cancel what you are doing and leave immediately, If going to your car, lock the doors. -Do not stand at the ATM counting cash. Check that you received the right amount later in a secure place, and reconcile it to your receipt then.
  • Keep your receipts and verify transactions on your account statement.

Report errors immediately. Do not leave receipts at an ATM location. Notification of Regulators Your rights in connection with electronic fund transactions and this agreement are governed by Michigan and Federal law. You may contact either of the following agencies if you believe a violation of the law has occurred:

Federal Agency:
Federal Reserve Bank
Federal Reserve Consumer Help
PO Box 1200
Minneapolis, MN 55480

Michigan Agency:
Office of the Financial and Insurance Regulation
Consumer Services
PO Box 30220
Lansing, MI 48909-7720


MOBILE BANKING and/or SMS TEXT MESSAGE

I. Introduction

Isabella Bank endeavors to provide you with the highest quality Mobile Banking and/or SMS text msg (the "Service") available. By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and (the Disclosure "Agreement"). We may offer additional Electronic Banking services and features in the future. Any such added Mobile Banking and/or SMS Text Msg services and features will be governed by this Agreement. From time to time, we may amend these terms and modify or cancel the Mobile Banking and/or SMS Text Msg services we offer without notice, except as may be required by Law.

II. Definitions

As used in this Agreement and Mobile Banking and/or SMS Text Msg services, the following words with their meanings: "Account(s)" means your eligible Isabella Bank Checking, Savings, Loans, CDs, Safe Deposit Box information and other Isabella Bank products that can be accessed through Mobile Banking. "Device" means a supportable mobile devise including a cellular phone or other mobile device that is web-enabled and allows secure SSL traffic which is also capable of receiving text messages. Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details. "Mobile Banking " means the banking services accessible from the Device you have registered with us for Mobile Banking. "SMS Text Messaging" means the banking services accessible from the Device you have registered with us for SMS Text Message Banking."Bal" means balance in your acct. ""Hist" means transaction history. "Help" means command prompt help. "Stop" means to unenroll the SMS Test Msg access. "You" and "Your(s)," mean each person with authorized access to your Account(s) who applies and uses the Mobile Banking service.

III.a 1. Mobile Banking

A1. Description of Service. Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your Isabella Bank Account information, make payments to payees, transfer funds and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then activate your Device within the Online Banking system. We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We may also reserve the right to modify the scope of the Service at any time. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. Isabella Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.

III.b 2. SMS Text Message Banking

A. Description of Service.

SMS Text Message Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. SMS Text Msg Banking allows you to access your Isabella Bank Account Balance information "Bal", and conduct other banking transactions. To utilize the Mobile Banking Service, you must be enrolled to use Online Banking and then activate your Device within the Online Banking system. We reserve the right to limit the types and number of accounts eligible. We may also reserve the right to modify the scope of the Service at any time. SMS Text Msg Banking may not be accessible or may have limited utility over some network carriers. In addition, the Service may not be supportable for all Devices. Isabella Bank cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.

B. Use of Service.

In order to properly use Mobile & SMS Text Msg Banking, you should review and follow the instructions provided on our website. You agree to accept responsibility for learning how to use Mobile Banking in accordance with the online instructions and agree that you will contact us directly if you have any problems with Mobile & SMS Text Msg Banking. We may modify the service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your Device and we will not be liable to you for any losses caused by your failure to properly use the Service or your Device

C. Other Agreements.

You agree that when you use Mobile & SMS Text Msg Banking, you remain subject to the terms and conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this Agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile & SMS Text Msg Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile & SMS Text Msg Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your Mobile and/or SMS Text msg service provider is responsible for its products and services. accordingly, you agree to any problems with your provider directly without involving us. Any deposit account, loan or other banking product accessed through this Service is also subject to the Account Agreements and Disclosures provided at the time of Account opening. You should review the Account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile & SMS Text Msg Banking.

IV. Permitted Mobile Banking Transfers

You may use the Service to transfer funds between your eligible Isabella Bank accounts ("Internal Transfer"). You may not transfer to or from an Account at another financial institution using Mobile Banking. If you submit your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 6:00 p.m. EST on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day. You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, as described in the Deposit Account Agreement and Disclosures. You may be subject to fees or account conversion if you exceed the transactions limits of your Account using Mobile Banking or any other methods outlined in your Deposit Account Agreement and Disclosures. We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

V. Your Responsibilities

You represent and agree to the following by enrolling for Mobile Banking and/or SMS Text Msg Banking or by using the Service: A. Account Ownership/Accurate Information: You represent that you are the legal owner of the Accounts and other financial information which may be accessed via Mobile Banking and/or SMS Text Msg Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking and/or SMS Text Msg Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking and/or SMS Text Msg Banking.

B. User Security

You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking and/or SMS Text Msg Banking. You agree not to leave your Device unattended while logged into Mobile Banking and/or SMS Text Msg Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access Mobile Banking and/or SMS Text Msg Banking you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. We make no representation that any content or use of Mobile Banking and/or SMS Text Msg Banking is available for use in locations outside of the United States. Accessing Mobile Banking and/or SMS Text Msg Banking from locations outside of the United States is at your own risk.

C. User Conduct

You agree not to use Mobile Banking and/or SMS Text Msg Banking or the content or information delivered through Mobile Banking and/or SMS Text Msg Banking in any way that would: (a) infringe any third-party copyright patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items including, but not limited to, use of Mobile Banking and/or SMS Text Msg Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking and/or SMS Text Msg banking; (i) interfere with or disrupt the use of Mobile Banking and/or SMS Text Msg banking by any other user; or (j) use Mobile Banking and/or SMS Text Msg Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

D. No Commercial Use or Re-Sale

You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking and/or SMS Text Msg Banking or resell, lease, rent or distribute access to Mobile Banking and/or SMS Text Msg Banking.

E. Indemnification

Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless Isabella Bank its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking and/or SMS Text Msg Banking.

Additional Provisions
Advisory Against Illegal Use: You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Please see your cardholder agreement for additional information relating to the use of your Check Card.

 

 

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