Electronic Services Agreement

1. Electronic Banking Services

This Electronic Services Agreement governs your use of First International Bank's electronic banking services, including online banking, mobile banking, bill payment, and electronic fund transfers.

1.1 Available Services

• Online Banking via web browser
• Mobile Banking app for smartphones and tablets
• Bill Payment and Payee Management
• Account-to-Account Transfers
• Mobile Check Deposit
• Electronic Statements and Notices
• Account Alerts and Notifications
• Person-to-Person Payments

2. Access and Security

Protecting your account information and maintaining secure access is a shared responsibility.

2.1 Login Credentials

• Unique User ID and Password required
• Multi-factor authentication for enhanced security
• Biometric authentication available on mobile devices
• Security questions for account recovery

2.2 Your Security Responsibilities

• Keep login credentials confidential
• Use strong, unique passwords
• Log out completely after each session
• Never share access with unauthorized persons
• Report suspicious activity immediately
• Keep contact information current

3. Online Banking Services

Online banking provides 24/7 access to your accounts through our secure website.

3.1 Account Management

• View account balances and transaction history
• Download and print statements
• Update personal information
• Manage account preferences
• Set up account alerts

3.2 Transaction Services

• Transfer funds between your accounts
• Transfer to external bank accounts
• Schedule one-time and recurring transfers
• Stop payment requests
• Reorder checks and debit cards

4. Mobile Banking

Our mobile app provides convenient banking services on your smartphone or tablet.

4.1 Mobile App Features

• Account balances and transaction history
• Mobile check deposit with photo capture
• Fund transfers and bill payments
• ATM and branch locator
• Push notifications for account activity
• Secure messaging with customer service

4.2 Mobile Check Deposit

• Deposit checks by taking photos with your mobile device
• Daily and monthly deposit limits apply
• Funds availability subject to our standard policy
• Original checks must be retained then securely destroyed

5. Bill Payment Services

Pay bills electronically to save time and ensure timely payments.

5.1 Bill Payment Features

• Pay virtually any bill or person in the United States
• Schedule one-time and recurring payments
• Receive electronic bills (eBills) from participating companies
• Payment history and tracking
• Email confirmations and reminders

5.2 Payment Processing

• Electronic payments typically process within 1-2 business days
• Check payments may take 3-5 business days
• Same-day processing available for eligible payees
• Cut-off times apply for same-day processing

6. Electronic Fund Transfers

Transfer money electronically between accounts and to external institutions.

6.1 Transfer Types

• Internal Transfers: Between your accounts at our bank
• External Transfers: To/from accounts at other banks
• Wire Transfers: Domestic and international
• ACH Transfers: Automated Clearing House transactions

6.2 Transfer Limits and Timing

7. Fees and Charges

Most electronic banking services are provided at no charge, with some exceptions.

7.1 Free Services

• Online and mobile banking access
• Account balance inquiries
• Internal account transfers
• Electronic statements
• Mobile check deposit (up to monthly limit)

7.2 Fee-Based Services

• External bank transfers: $3 per transfer
• Expedited bill payments: $15 per payment
• Wire transfers: $25 domestic, $45 international
• Excessive mobile deposits: $2 per item over limit
• Stop payment requests: $35 per item

8. Service Availability

Electronic services are generally available 24/7, with some exceptions for maintenance.

8.1 System Availability

• Services available 24 hours a day, 7 days a week
• Scheduled maintenance typically occurs overnight
• Emergency maintenance may cause temporary outages
• Some services may be limited during processing times

9. Error Resolution

We provide procedures for reporting and resolving electronic banking errors.

9.1 Reporting Errors

• Report errors within 60 days of statement date
• Contact us by phone, email, or secure message
• Provide detailed information about the error
• We will investigate and respond within 10 business days

10. Liability and Limitations

Understanding liability limits helps protect both parties in electronic transactions.

10.1 Unauthorized Transactions

• Report unauthorized transactions immediately
• Limited liability for prompt reporting
• Increased liability for delayed reporting
• Zero liability for bank errors