Enroll In Business or Personal online Banking
Please read the following Online Banking Agreement and click your response below.
ONLINE BANKING AGREEMENT
This agreement is entered into between Voyager Bank (the “Bank”) and any customer of the Bank who subscribes to the Bank’s Online Banking. The customer is referred to in this Agreement as “you”. You should read this Agreement and any other materials you receive before you use Online Banking. If you use Online Banking, or permit another person to use Online Banking on your behalf, you agree to the terms and conditions stated in this Agreement.
- Deposit and Loan Agreements. The terms and conditions in this Agreement are in addition to any deposit account agreements you have with the Bank, including your signature card, the booklet containing the terms and conditions of your accounts, the accompanying schedules and disclosures, and any change of terms notices (collectively, the “Deposit Agreements”). The terms and conditions in this Agreement are also in addition to the terms and conditions of any loan or credit agreements you have with the Bank, including any disclosures made pursuant to such agreements (collectively, the "Loan Agreements").
- Electronic Funds Transfer Act. Some of the transactions permitted through Online Banking are governed by the Electronic Funds Transfer Act (the “EFTA”), and some of the terms and conditions of this Agreement are disclosures required by the EFTA. Commercial account holders are not covered by the EFTA and therefore certain provisions are not applicable to commercial accounts. Consumer account users can see the full Electronic Funds Transfer Disclosure further in this document.
- Computer Requirements. In order to use Online Banking, you will need certain computer and related equipment (referred to in this Agreement as your “Computer”). You are responsible for the installation, maintenance and operation of your Computer and all software. The Bank is not responsible for any errors or failures from any malfunction on your Computer or any software and the Bank is not responsible for any computer virus or related problems that may be associated with the use of the Bank’s online system.
Online Account Access. To subscribe to Online Banking, you must have at least one checking, savings or loan account with the Bank. You may gain access to the following types of deposit and loan accounts using Online Banking:
- Checking Accounts
- Savings Accounts
- Voyager Investment Accounts
- Certificates of Deposit
In most cases, you may use Online banking to gain access to deposit accounts in which you have an unrestricted right to withdraw funds and line of credit accounts in which you have an unrestricted right to borrow money. However, the Bank may, in its discretion, deny Online Banking account access or restrict Online Banking account transactions under certain circumstances.
- Description on Online Banking Functions. You may perform the following online transactions: transfer funds between your accounts, obtain account balances and transaction information for your deposit and loan accounts, request a bill to be paid by check from your checking account, view and print the front and back images of cancelled check items and deposit tickets and send e-mail (e-mail) to the Bank and receive e-mail from the Bank. Your ability to transfer funds between certain accounts is limited by the federal law, as stated in the Deposit Agreements. For example, transfer from a Voyager savings account to another account or to third parties by pre-authorized, automatic, telephone, computer transfer, check or debit card are limited to six (6) per statement cycle. Transfers made using Online Banking are counted against the permissible number of transfers. You may only transfer funds with the current date. Transfers must be received by the bank by 6 p.m. (Central Time) on a business day to be processed the same business day. Transfers received after 6 p.m. (Central Time) on a business day or on a day that is not a business day will be processed the next business day. Each transfer made from a loan account is treated as a cash advance from that account and is subject to terms of the Loan Agreements. You will be provided with a confirmation number for each transfer. Please keep a record of this number to help resolve any questions that you may have concerning the transaction. You agree that you will instruct us to make a transfer only when a sufficient balance is or will be available in the designated account at the time of transfer. You understand that we will not act on any transfer instructions if sufficient funds are not available in the designated account. You may delete a transfer online prior to 6 p.m. (Central Time) of the scheduled date the transfer is to occur. Do not rely on e-mail if you need to communicate with the Bank immediately. For example, to report a lost or stolen card, or to report an unauthorized transaction from one of your accounts you should contact the Bank immediately in person or by telephone. The Bank will not take actions based on your e-mail requests until the Bank actually receives your message and has a reasonable opportunity to act. The Bank reserves the right to limit the frequency and dollar amount of transactions from your accounts for security reasons.
- Access ID and Passwords. You may be asked to select your Access ID. After the Bank receives and accepts your application for Online Banking, the Bank will issue a temporary password. You are required to change your password before you may initiate transactions and download your account information with the Online Banking service. Your password must be a minimum of eight characters, two of which must be numbers and two of which must be letters. Your access to online banking will expire due to inactivity if not accessed for a period of 180 days. You agree to keep all security codes, including your password, confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of Online Banking. You agree that you are responsible for any transactions, including any charges or fees, made by another person if you provide your password to another person, even if that person is not an account holder. Such transactions will be deemed to be “authorized transactions” under the EFTA.
To help safeguard your password, you should change your password frequently. Instructions for changing your password are available on the Online Banking service. If you forget your password, you must contact the Bank to have a new temporary password issued to you.
- Fees for Online Banking. The Bank does not currently charge a separate fee for Online Banking. The Bank may charge or add fees for Online Banking by following the procedures outlined in Paragraph 16 for amending this Agreement. Service charges and fees provided for in the Deposit and Loan Agreements will continue to apply to your accounts. You authorize the Bank to deduct all applicable fees from any deposit account you have at the Bank. Service fees apply to the optional online image service described below.
- Reporting Unauthorized Transactions. If you believe that an unauthorized Online Banking transaction has been made from your account, you must contact the Bank immediately as indicated in Paragraph 14.
- Periodic Statements, Notices and Disclosures. The Bank will mail or deliver to you periodic statements, notices and disclosures for your accounts as provided for in the Deposit and Loan Agreements or as required by law. Delivery of these may be made electronically. For consumers, electronic delivery will only be made if you have consented for us to do so. For commercial accounts, enrollment in E-Statements and / or use of Online Banking constitutes your request for electronic delivery of these items. In addition to reflecting your other account activity, your statements will include any activities using Online Banking.
- 0. Business Days and Hours of Operation. The business days for the Bank are normally Monday through Friday. Holidays are not business days. Online Banking transfers can only be made on business days. You may use your Computer to reach Online banking 24 hours a day, seven days a week, except during any special maintenance periods.
- 1. Your Responsibility. You are responsible for all transfers you authorize using Online Banking. If you permit other persons to use Online Banking for your accounts or your password, you are responsible for any transactions they authorize from your deposit and loan accounts. You should notify the Bank immediately if you believe any of your accounts have been accessed or your password has been used without your permission. Contacting the Bank immediately will help you reduce your potential losses.
You can lose no more than $50 if you notify the Bank within 2 business days of discovering any unauthorized use of Online Banking or your password. However, you can lose as much as $500 if you do not notify the Bank within 2 business days of discovering the unauthorized use and the Bank can prove that it could have prevented the unauthorized use had it been notified. The limitations on customer liability described in this paragraph do not apply to commercial accounts.
If you do not report unauthorized transactions that appear on any of your periodic statements within 60 days after such statements are mailed to you, you risk unlimited losses on transactions made after the 60 day period if the Bank can show that it could have prevented the unauthorized use had it been notified within this 60-day period. The limitations on customer liability described in this paragraph do not apply to commercial accounts.
2. Bank’s Responsibility. The Bank is responsible for completing transfers on time according to your properly entered and transmitted instructions. However, the Bank will not be liable;
- If you do not have adequate money in a deposit account to complete a transaction from that account, or if that account has been closed;
- If you do not have an available credit in a loan account to complete a transaction from that account, or if that account has been frozen or closed;
- If you have not properly followed instructions on how to make a transfer;
- If you have not given the Bank complete, correct, and current instruction so that the Bank can make a transfer;
- If withdrawals from any of your linked accounts have been prohibited by a court order such as a garnishment or other legal process;
- If your Computer, the software, the web browser, the Internet Service Provider or Online Banking was not working properly and this problem should have been apparent to you when you attempted to authorize a transfer.
If circumstances beyond the Bank’s control prevent making a transfer, despite reasonable precautions that the Bank has taken. Such circumstances include telecommunication outages or failures, fires and floods.
Except as otherwise provided in this Agreement or otherwise expressly provided by applicable law or regulation, you agree that neither the Bank nor any party that provides Internet access or provides equipment used to access Online Banking or any agent, independent contractor, or subcontractor of any of the foregoing will be liable for any loss, injury, damage including without limitation, direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort or any other theory of liability, arising in any way of the installation, use or maintenance of Online Banking or of the Internet access provider used to access Online Banking, or of the equipment used to access Online Banking including, without limitation any loss, injury, or damage relating to any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, line failure or unauthorized interception or access to your communication with the Bank, even if the Bank is aware of the possibility of such event. There may be other exceptions to the Bank’s liability as stated in the Deposit and Loan Agreements.
- 4. Error Resolution. In case of errors or questions about your Online Banking transactions, please call your Voyager Bank office. The error resolution procedures contained in the remainder of this section do not apply to commercial accounts. If you think your statement is wrong or if you need more information about a transaction listed on the statement, the Bank must hear from you no later than 60 days after it sends or delivers to you the first statement on which the problem or error appeared. If you requested more information about a problem or error, the bank must hear from you within 60 days after it sends or delivers that information to you. Tell us your name and account number(s), describe the suspected error or the nature of the problem, or describe what information you need and tell us the dollar amount of the suspected error. If you tell the Bank orally, it may require that you send in your complaint or question in writing within 10 business days. The Bank will tell you the results of its investigation within 10 business days after we hear from you and will correct any error promptly. If the Bank needs more time, however, it may take up to 45 days to investigate your complaint or question in which case the Bank will re-credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes the bank to complete its investigation. If the Bank asks you to put your complaint or question in writing and does not receive it within 10 business days, the Bank may not re-credit your account. If the Bank decides that there was no error, it will send you a written explanation within 3 business days after it finishes its investigation. You may ask for copies of the documents that the Bank used in its investigation.
- 5. Data Recording. When you contact Online Banking to conduct transactions, the information and email messages you enter will be recorded. By using Online Banking, you consent to such recording.
- 6. Amendment of this Agreement. The Bank may amend this Agreement by mailing notice to you at least twenty-one (21) days before the effective date of the amendment. Online Banking and your linked accounts will be governed by the Agreement as amended.
- 7. Assignment. The Bank may assign its rights and delegate its duties under this Agreement to a company affiliated with the bank or to any other party.
- 8. Termination. Either you or the Bank may terminate this Agreement and your Online Banking authorization at any time upon giving notice of the termination to the other party. If you terminate Online Banking, you authorize the Bank to continue making transfers you have previously authorized until such time as the Bank has had a reasonable opportunity to act upon your termination notice. Once the Bank has acted upon your termination notice, the Bank will make no further transfers from your accounts, including any transfers you have previously authorized. If the Bank terminates your use of Online Banking, the Bank reserves the right to make no further transfers from your accounts, including any transactions you have previously authorized. If the Online Banking service is terminated by either party, the Bank is not liable for any losses related to transfers not made as a result of termination.
- 9. Notices and Bank Contact. All notices and other communications provided for in the Agreement shall be in writing at the address indicated below or, if expressly permitted in the Agreement, by telephone at the number indicated below. The Bank shall be entitled to rely on any communications believed by it, in good faith, to be genuine and to have been made by you.
For a Stop Payment, Unauthorized Transaction or Error Resolution, you must call the Bank immediately by calling your Voyager Bank office or notify the Bank in writing by mailing your correspondence to the following address:
Voyager Bank Operations Center
775 Prairie Center Drive
Eden Prairie, MN 55344
Phone: (952) 345-7600
When notifying the Bank of an Unauthorized Transaction or Error Resolution, you must provide to the Bank sufficient information to respond to such a request, including, if applicable, your name (or the name of the person drawing the check or making the payment request), your account number(s), the name of the payee(s), payment or transaction amount and date of the payment or transaction. You may contact your Voyager Bank office if you have any questions regarding Online Banking service or your Online Banking transactions.
20. BillPay Service. For information regarding Voyager Bank’s CheckFree BillPay Service, please see the separate Terms and Conditions Disclosure located within CheckFree BillPay Service. Additional fees may apply.
21. Right to stop payment and procedures for doing so. If you have told the Bank in advance to make Regular Payments out of your Account, you may stop any of these payments. To stop payments, notify your local Voyager Bank office in time for the Bank to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, the bank may require you to put your request in writing and deliver it to the Bank within 14 days after you call. If you would like to place a stop payment on a payment item set up through Voyager Bank’s CheckFree BillPay Service, please call customer service at 1-877-898-4973. Please see the separate Terms and Conditions Disclosure located within the Check Free BillPay Service.
Before placing a stop payment on your account, verify that the item has not cleared. For each stop payment item, you are required to complete the amount, check, or range of check numbers and payee.
Stop Payment Disclosure. Stop payments after 6 p.m. (Central Time) on any business day are considered on the next day’s business. All stop payments are subject to verification.
You and Voyager Bank agree to abide by the rules and regulations (as outlined in the Uniform Commercial Code) governing stop payment orders. Oral requests (including by phone) are binding for 14 days only, unless the account owner confirms the order by signing the proper form within the 14-day period. Properly executed stop payment forms are effective for six (6) months after the date accepted and will automatically expire after that period unless renewed in writing.
Stop Payment Fees. All stop payment fees apply. Please refer to our secondary service fee schedule for the amount we will charge you for each stop payment order you give.
Revocation of the Stop Payment Order. Request and revocation must be in writing and bear the same authorized signature as the initiator of the stop payment request.
Home Equity Line of Credit. Contact your branch to place a stop payment on Home Equity Line of Credit checks.
22. Images Online. You may view images of cancelled checks and deposit tickets online. You may view and print the front and back of a cancelled check or deposit ticket by simply “clicking” on the item. There is a fee for this additional service. The fee per click is as follows: 0-5 clicks per month: free; 6-14 clicks per month: $0.20 each and 15 and above: $0.50 each. Charges are accumulated and billed to your checking account the 30th of each month.
23. Optional Voyager Bank Navigator Service. This section applies only to commercial and business customers that have subscribed to Voyager Bank’s Navigator service (“Navigator”). If you elect to subscribe to Navigator, you may use Navigator for additional services described below. Fees apply to Navigator and are described in the enrollment form for Navigator. To subscribe to Navigator, please contact your Voyager Bank banker or call your local Voyager Bank office.
ACH Processing: Navigator may be used for processing ACH transactions. A separate agreement relating to ACH transactions is required.
Wire Transfer Origination. Navigator may be used for originating wire transfers. A separate wire transfer agreement is required.
Access I.D. and Password. Access to Navigator will not expire due to inactivity.
Advances on Commercial Lines of Credit. Advances on commercial lines of credit are subject to Bank approval.
Positive Pay. Navigator may be used for uploading positive pay files. A separate positive pay agreement is required.
Mobile Banking Customer Agreement
This is an addendum to your Online Banking Services Agreement (“Agreement”) and sets forth the additional terms and conditions for use of the Mobile Banking Services (“Mobile Banking”) offered through Voyager Bank to you. Except where modified by this Addendum, the Online Banking Services Agreement remains in effect. Terms defined in the Agreement that are not defined in the Addendum have the same meaning here. This Addendum and the Agreement constitute the entire agreement between us and you relating to Mobile Banking, supersede any other agreements relating to Mobile Banking, and may only be amended as provided in the Agreement. If there is a conflict between the Agreement and this Addendum, the terms in this Addendum will govern your use of Mobile Banking.
I. ACCEPTANCE OF ADDENDUM.
A. Accepting this Addendum.
By clicking “I Agree” when you register for Mobile Banking Services (“Mobile Banking”) or by using the Mobile Banking Services, you agree to the terms and conditions of this Addendum.
B. Description of Services.
Mobile Banking is a personal financial information management service that allows you to:
(i) access Voyager Bank account information such as balances and recent transaction history;
(ii) transfer funds between your accounts at Voyager Bank;
(iii) set up optional account alerts to be delivered either to your mobile phone using sms text messaging (standard text rates apply), and/or via email;
(iv) make payments to merchants and individuals who have previously consented to accept payments through our online bill pay service;
(v) and make other banking transactions using compatible and supported mobile phones and/or other compatible and supported wireless devices.
Not all Mobile Banking Services are available on all types of mobile devices. See our Web site at www.voyagerbank.com for the most up-to-date list of Services.
We reserve the right to modify the scope of the Mobile Banking Services at any time. We reserve the right to refuse to make any transaction you request through Mobile Banking. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks, such as while roaming.
C. Use of Services.
Mobile Banking will not work unless you use it properly. You accept responsibility for making sure that you understand how to use Mobile Banking before using, and that you always use Mobile Banking in accordance with any online instructions that may be delivered to you. You also accept responsibility for making sure that you know how to properly use your Wireless Device and the Mobile Banking software (“Software”). From time to time we may change, upgrade, or add new features to Mobile Banking.
In the event of such changes, you are responsible for making sure that you understand how to use the updated or changed version of the Mobile Banking software. We will not be liable to you for any losses caused by your failure to properly use Mobile Banking or your Wireless Device.
D. Relationship to Other Agreements.
You agree that when you use Mobile Banking, you will remain subject to the Terms and Conditions of all your existing agreements with us and our affiliates. You also agree that you will continue to be subject to the Terms and Conditions of your existing agreements with any unaffiliated service providers, including, but not limited to, your mobile service carrier or provider (e.g., AT&T, Verizon, Sprint, T-Mobile, Alltel, etc.), and that this Addendum 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 Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloading the Software, receiving or sending Mobile Banking text messages, or other use of your Wireless Device when using the Software or other products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service carrier or provider is responsible for its products and services, and that your mobile service carrier is not the provider of Mobile Banking. Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us. You also agree that if you have any problems with Mobile Banking, you will contact us directly.
II. MOBILE BANKING SOFTWARE LICENSE AGREEMENT
Subject to any compliance with this Addendum, you are hereby granted a personal, limited, non-transferable, non-exclusive, non-sub licensable and non-assignable license (“License”) to download, install and use the Software on your Wireless Device within the United States and its territories. In the event that you obtain a new or different Wireless Device, you may be required to download and install the Software to that new or different Wireless Device.
B. License Restrictions/Revocation.
This License shall be revoked immediately upon any of the following conditions,
(i) your termination of Mobile Banking;
(ii) your deletion of the Software from your Wireless Device;
(iii) your noncompliance with this Addendum; or
(iv) written notice to you at any time, with or without cause.
In the event this License is revoked for any of the foregoing reasons, you agree to promptly delete the Software from your Wireless Device and/or discontinue use. We and our service providers (which includes, without limitation, any provider of Software such as Fiserv) reserve all rights not granted to you in this Addendum.
The Software shall be used solely in connection with Mobile Banking and may not be used by you for any other reason. You may not grant any sublicenses to the Software. You agree that you will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Software, (ii) copy or reproduce all or any part of the technology or Software, or (iii) interfere, or attempt to interfere with the technology or Software. The Software does not include various third party operating systems and applications that will be required to use the Software. You will be solely responsible for such third party software. You acknowledge that the Software contains trade secrets and other proprietary and confidential information, whether or not the Software contains any copyright or other proprietary notice. You agree to take commercially reasonable precautions to protect the confidentiality of the Software. You (a) will not print, copy, or duplicate any portion of the Software, (b) will not alter any copyright notices on the Software, (c) will not make the Software available in any form to anyone except your agents for purposes specifically related to your authorized use, (d) will take appropriate action with any persons permitted access to the Software to inform them of the confidential nature thereof and to obtain their compliance with the terms of this Paragraph, (e) only will use the Software for your personal use and not for the benefit of any other person or entity, and (f) will comply with all of our procedures and requirements for use of the Software. The provisions of this Paragraph will survive termination of this Agreement.
III. YOUR OBLIGATIONS
When you use Mobile Banking to access accounts you designate during the registration process, you agree to the following:
A. Account Ownership/Accurate Information.
You represent that you are the legal owner of the accounts and other financial information that may be accessed via Mobile 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. You also agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You agree that we and our service providers may send you, by sms text message, e-mail, and other methods, communications relating to Mobile Banking (with an opportunity to opt-out), including without limitation welcome messages, information and requests for information relating to use of Mobile Banking and other Online Banking services. You agree to use Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly by calling us at 1-877-238-2473 and to cancel immediately your participation in Mobile Banking if you observe any material errors in the Mobile Banking Services.
B. Location-Based Information.
If you use any location-based feature for Mobile Banking you agree that your geographic location and other personal information may be accessed and disclosed through Mobile Banking. If you wish to revoke access to such information you may cease using location-based features of Mobile Banking.
C. Export Control.
You acknowledge that the Software is subject to the United States (U.S.) government export control laws and regulations, which may restrict or prohibit the use, export, re-export, or transfer of the Software. You agree that you will not directly or indirectly use, export, re-export, or transfer the Software except in compliance with applicable U.S. export laws and regulations. Without limitation, you agree that you will not use Mobile Banking in any embargoed or sanctioned country.
D. Proprietary Rights.
You are permitted to use content delivered to you through Mobile Banking only on Mobile Banking. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any Mobile Banking technology, including, but not limited to, any Software or other mobile phone applications associated with Mobile Banking.
E. User Conduct.
You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patents, trademark, trade secret, or other proprietary rights or rights of publicity or 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 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; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.
F. No Commercial Use or Re-Sale.
You agree that the Mobile Banking Services are for personal use only. You agree not to resell or make commercial use of Mobile Banking.
You agree to indemnify, defend, and hold us and our affiliates and service providers harmless from and against any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys’ fees) caused by or arising from your use of Mobile Banking, your violation of this Addendum, your violation of applicable federal, state or local law, regulation or ordinance, or your infringement (or infringement by any other user of your account) of any intellectual property or other right of anyone.
IV. CHARGES FOR THE SERVICE
You agree to pay for Mobile Banking in accordance with our current fee schedule and as amended from time to time. We will advise you of any fee changes prior to implementing them. You authorize us to automatically charge your account for all such fees incurred in connection with Mobile Banking. In the future, we may add to or enhance the features of Mobile Banking. By using such added or enhanced features, you agree to pay for them in accordance with our Schedule of Fees.
V. ADDITIONAL PROVISIONS
A. Mobile Banking Services Limitations.
1. Neither we, nor any of our service providers, including Fiserv, can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions.
2. Neither we, nor any of our service providers, including Fiserv, assume responsibility for any disclosure of account information to third parties, the timeliness, deletion, misdelivery or failure to store any user data, communications, or personalization settings in connection with your use of Mobile Banking.
3. Neither we, nor any of our service providers, including Fiserv, assume responsibility for the operation, security, functionality or availability of any wireless Device or mobile network that you utilize to access Mobile Banking.
4. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless Device and to use good judgment and discretion when obtaining or transmitting information.
5. Information about activity is synchronized between the Mobile Banking software and our Website. Transfer and payment information available via the Mobile Banking software may differ from the information that is available directly through our website. Information available directly through our website may not be available via the Mobile Banking software, may be described using different terminology, or may be more current than the information available via the Mobile Banking software, including but not limited to account balance information. The method of entering instructions via the Mobile Banking software also may differ from the method of entering instructions through our website. We are not responsible for such differences, whether or not attributable to your use of the Mobile Banking software. Additionally, you agree that neither we nor our service providers will be liable for any errors or delays in the content, or for any actions taken in reliance thereon.
B. Changes or Cancellation.
You may cancel your participation in Mobile Banking by calling us at 1-877-238-2473. We reserve the right to change or cancel Mobile Banking at any time without notice. We may also suspend your access to Mobile Banking at any time without notice and for any reason including but not limited to, your non-use of Mobile Banking Services. You agree that we will not be liable to you or any third party for any modification or discontinuance of Mobile Banking.
C. Use of Data
We, and our service providers, will use information you provide for purposes of providing the Mobile Banking Services and to prepare analyses and compilations of aggregate customer data that does not identify you (such as the number of customers who signed up for Mobile Banking in a month).
D. Third Party Beneficiary.
You agree that our service providers may rely upon your agreements and representations in this Addendum, and such service providers are third party beneficiaries to this Addendum, with the power to enforce its provisions against you.
E. Limitations and Warranty Disclaimers.
We and our service providers disclaim all warranties relating to the Mobile Banking Services or otherwise in connection with this Addendum, whether oral or written, express, implied or statutory, including, without limitation, the implied warranties of merchantability, fitness for particular purpose and non-infringement. Neither we nor our service providers will be liable to you or any third party for any indirect, incidental, exemplary, special, punitive or consequential damages of any kind, or for any loss of profits, business, or data, whether based in statute, contract, tort or otherwise, even if we or our service providers, as applicable, have been advised or, or have reason to know of, the possibility of such damages. Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation or exclusion may not apply to you. Except to the extent prohibited by applicable banking regulations, under no circumstances will the total liability of us or our service providers to you in connection with the Mobile Banking Services or otherwise under this Addendum exceed $1,000.
ELECTRONIC FUND TRANSFERS DISCLOSURE - YOUR RIGHTS AND RESPONSIBILITIES
Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:
• Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
• Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
• 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 pay bills.
• Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Quick-Connect Telephone Transfers - types of transfers and charges - You may access your account by telephone 24 hours a day at 1-888-999-0265 using your personal identification number, a touch tone phone, and your account numbers, to:
• transfer funds from checking to checking
• transfer funds from checking to savings
• transfer funds from savings to checking
• transfer funds from savings to savings
• make payments from checking to loan accounts with us
• make payments from savings to loan accounts with us
• get information about:
- the account balance of checking accounts
- the last five deposits to checking accounts
- the last five withdrawals from checking accounts
- the account balance of savings accounts
- the last five deposits to savings accounts
- the last five withdrawals from savings accounts
• request a faxed copy of your statement subject to a fee as outlined on the Secondary Services Fee Schedule
ATM Card and Debit Card ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM Card and personal identification number or Debit Card and personal identification number, to:
• make deposits to checking account(s)
• make deposits to savings account(s) with an ATM Card
• get cash withdrawals from checking account(s)
- dollar limitations will be disclosed in writing at card issuance
- there is a charge of $1.00 per withdrawal at non-proprietary ATMs
• get cash withdrawals from savings account(s) with an ATM Card
- dollar limitations will be disclosed in writing at card issuance
- there is a charge of $1.00 per withdrawal at non-proprietary ATMs
• get information about:
- the account balance of your checking account(s)
- the account balance of your savings account(s) with an ATM Card
Some of these services may not be available at all terminals.
In an effort to reduce fraud, Voyager Bank blocks all foreign debit card transactions unless you request to use your debit card outside of the United States. If you would like to use your debit card outside of the United States, please contact the Bank prior to travel and let us know the dates and countries to which you will be traveling.
Types of Debit Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
Point-of-Sale Transactions - dollar limitations – Using your card:
• dollar limitations will be disclosed in writing at card issuance
Currency Conversion and International Transactions.
When you use your Debit Card 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 either a rate selected by Visa from the 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.
Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a 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.
Internet Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer at www.voyagerbank.com and using your password, your account numbers, and your user code, to:
• transfer funds from checking to checking
• transfer funds from checking to savings
• transfer funds from savings to checking
• transfer funds from savings to savings
• make payments from checking to loan accounts with us
• make payments from checking to third parties with Bill Pay; see separate Bill Pay Terms and Conditions
• make payments from savings to loan accounts with us
• get information about:
- the account balance of checking accounts
- the last 30 days deposits to checking accounts
- the last 30 days withdrawals from checking accounts
- the account balance of savings accounts
- the last 30 days deposits to savings accounts
- the last 30 days withdrawals from savings accounts
Fees. Voyager offers check imaging for online banking clients. With check imaging you have the ability to view the front and back of checks and deposit tickets simply by clicking your mouse. Simply click on the underlined check number or word “Deposit,” and a razor sharp digital image of the item will appear. You will be able to view 5 items free per month. 6-14 items are $0.20 per click and 15 items and above are $0.50 per click. These charges will appear on your monthly bank statement as image retrieval.
• You may terminate the electronic fund transfer agreement by a phone call or written notice to us.
• We may terminate the electronic fund transfer agreement by written notice to you.
• We do not charge for direct deposits to any type of account.
• We do not charge for preauthorized payments from any type of account.
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees. When you use an ATM not owned by us, 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).
• Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less.
• Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 952-345-7600 to find out whether or not the deposit has been made.
• Periodic statements.
You will get a monthly account statement from us for your savings and checking accounts.
• Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
Please refer to our Secondary Services Fee Schedule for the amount we will charge you for each stop payment order you give.
• Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (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.)
• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
Financial Institutions’ Liability
Liability for failure to make transfers. 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. 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 you have an overdraft line and the transfer would go over the credit limit.
(3) If the automated teller machine where you are making the transfer does not have enough cash.
(4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
(5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
(6) There may be other exceptions stated in our agreement with you.
We will disclose information to third parties about your account or the transfers you make:
(1) where it is necessary for completing transfers; 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.
(a) Consumer liability.
• Generally. Tell us at once if you believe your card and/or code 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. You could lose all of the money in your account (plus your maximum overdraft line of credit). We will be liable for all unauthorized transfers unless the unauthorized transfer was due to the loss or theft of your card and/or code. If due to the loss or theft of your card and/or code, and you notify us within 60 days of when the unauthorized transfer appears on the statement you can lose no more than $50 if someone used your card and/or code without permission.
- If you do NOT notify us within 60 days after the unauthorized transfer appears on your statement, and we prove that we could have stopped someone from using your card and/or code without your permission if you had told us within 2 days of when you discover the loss or theft of your card and/or code, you could lose as much as $500 for unauthorized transfers that appear on the statement.
- 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 mailed to you, you may not get back any money you lost after the 60 days if we 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 a hospital stay) kept you from telling us, we will extend the time periods.
• Additional Limit on Liability for Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Debit Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by Visa®.
(b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this brochure. You should also call the number or write to the address listed in this brochure if you believe a transfer has been made using the information from your check without your permission.
Right to Bring Civil Action
You may bring a civil action against any person violating any provision of Minnesota Statutes § 47.69 (governing consumer privacy and unauthorized withdrawals). If you prevail in such an action, you may recover the greater of your actual damages or $500. You may also be entitled to recover punitive damages, your court costs and reasonable attorney’s fees.
Time Needed to Complete Terminal Transactions
• Withdrawals made at a terminal will normally be completed and charged to your account the next business day after the day of withdrawal.
• Deposits made at a terminal will normally be credited to your account on the fifth business day after the day of deposit.
Point-of Sale Transactions
Payment for goods or services made in this manner shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. You cannot reverse a point-of-sale transaction.
Error Resolution Notice
In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
(1) Tell us your name and account number (if any).
(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
(3) Tell us the dollar amount of the suspected error.
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 (5 business days for Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Debit Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.
You may ask for copies of the documents that we used in our investigation.
775 PRAIRIE CENTER DRIVE
EDEN PRAIRIE, MINNESOTA 55344
Business Days: Monday through Friday
Excluding Federal Holidays
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST
Federal laws limit certain withdrawals, such as by phone, internet transfers, overdraft transfers, check or debit card to six (6) per monthly statement cycle.
I have read the above statement and agree to the terms listed.