east west bank mobile deposit funds availability

You agree that the Banks security procedures, set forth in this Agreement, are commercially reasonable. Rejecting Funds Transfers A funds transfer request is considered accepted when the Bank executes it. (See Bank Fee Schedule ), If you receive a credit or deposit to your account in foreign currency, we reserve the right to reject or accept the transaction and/or, at our discretion, process it on a collection basis. Funds from approved deposits made before 4:00 p.m. will be posted to your account by the next business day. Unauthorized Transactions to Business and Trust Accounts Business and trust account customers must promptly review their statements and notify us immediately if they discover any errors or unauthorized transactions. Please note, if federal recurring or other electronic payments are made into your account, the payments may be affected by a change in account status or transfer (e.g., to another office). How do I make a Mobile Check Deposit? - SoFi We may pay the item as of the check issuance date, even if you have given us a request not to pay. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Funds Transfer Security We maintain certain security procedures described below. If we choose to process the transaction, your account will be charged at the foreign currency exchange rate imposed by us or the third-party processor, and an additional processing fee may apply. The words authorized signer(s) refer to the person(s) authorized to sign checks and/or give us instructions regarding your account, including account holder(s), authorized signer(s), attorney(s)-in-fact, and any other agent(s) of yours. We assume no responsibility for our failure or refusal to do so, however, even if we accept the request for processing.) Enjoy peace of mind knowing your money is always at your fingertips. Your transactions are also subject to any applicable fees associated with your account (See the Bank Fee Schedule and Annual Percentage Yield and Account Terms Disclosure). > Check your balance Conveniently check your account balances and latest transactions. NMLSR ID 469761, Privacy & Security Maintain accurate records of your transactions and reconcile your account statements as soon as they are made available to you. Make or collect payments electronically, quickly and safely anytime within the U.S. Deposit checks at your convenience using your mobile device, tablet, or desktop with depositBridge Plus.2. The Bank may charge you for optional services that are not part of your account, such as travelers checks or custom-printed checks. Authorized Users If there are other signers on any of your account(s) covered by this Agreement, you hereby authorize them to use your PIN and this Service. By signing a signature card, you authorize the Bank to honor all instructions given by the account holders or authorized signers, except that for a joint account, no access device may be issued to any account holder until all joint account holders have signed the initial request for such an access device. Transaction Fees You will be responsible for all fees associated with your use of any electronic funds transfer service offered by the Bank. 1 East West Bank does not charge for Mobile Banking. PDF Certificate of Deposit Funds will generally be made available the same day if deposited on a business day before 8:00 PM. Our service provides you customized options to pay vendors, distribute payroll, initiate tax payments, and collect dues and payments with ease and security. By using your account you agree to this procedure and authorize us to destroy the original items and checks. Call us at the number or write us at the address described below as soon as you can if you think your statement or receipt is wrong or if you need more information about an electronic transaction. Wireless carrier charges may apply. This could affect the balance available to cover other transactions. You hereby waive all rights of subrogation against us with respect to any insurance policy, bond or third parties. (See Electronic Imaging of Checks, under the Additional Terms and Conditions section, for additional information regarding check imaging.). By linking to this website, East West Bank is not endorsing its content, product or services, or its privacy and security policies. Except for deposits made at a proprietary ATM (e.g., ATMs operated by East West Bank), all deposits received after the close of business (as posted at the branch location) on a business day we are open, or received on a day on which we are not open for business, will be treated and recorded as if initiated on the following business day that we are open. Transfer money to other personal or business/brokerage accounts outside the U.S. Short videos on our products and how to use the App, Shop with your debit card to earn Cash Back, Contact our Customer Support team for assistance, Check your account balances & monitor your transaction activities, Transfer money between East West Bank& other U.S. financial institutions without visiting a branch, Deposit checks & pay your bills all with your mobile device, Sign in quickly and securely with Touch ID or Face ID, Chat with a customer service representative, Stay up-to-date with informative and thought-provoking news feeds and articles covering the global economy, foreign exchange, education, investment and lifestyle. (See Unauthorized Transactions, under the Additional Terms and Conditions section, for specific time frame information.). Account availability may be limited based on your geographic location or mobile carrier country as determined by the Bank at the time you access our Mobile App. If you are a business, you agree to have at least two persons review your statements, notices and returned checks, and agree not to entrust the writing of checks and the reconcilement and review of your account statements, checks and notices to the same person without frequent monitoring. If accepted, your account will be credited at the foreign currency exchange rate imposed by us or the third-party processor. Do not give any account information or personal identification numbers or codes to callers, even if they claim to be a Bank employee or from a law enforcement agency. To find out more about FDIC insurance, please refer to one of our informational brochures, available at our branch locations. For telephone and facsimile requests, we use one or more of the following security procedures. Checks Bearing Restrictive Notations We may pay or accept checks and other items bearing restrictions or notations (e.g., Void after 90 days, Paid in full, etc. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. Massachusetts Accounts Only: 1865 Accounts Pursuant to Massachusetts law, residents of Massachusetts who are 65 years of age or older or 18 years of age or younger and otherwise meet the Banks requirements for opening an account, qualify to have one checking account and/or one savings account under the Massachusetts 1865 rule. Deposit Day / Cut -Off Time Funds are generally available You must send us a written notice of the problem within a reasonable time, not to exceed 14 days from the date of discovery or your receipt of the first statement or notice reflecting the problem, whichever occurs first. For assistance with mobile deposit, contact our Customer Care Team at 855-696-4352. Use a dark background to get the best image of the check. Services Offered After we process your automated telephone transfer service request and application, and provide you with a Personal Identification Number (PIN), you may transfer funds among your East West Bank checking and savings accounts through the Service. If you do not have sufficient available funds in your account(s) with us, we may, but are not required to complete funds transfers you request. YOU AND WE AGREE NOT TO: (1) SEEK TO PROCEED ON ANY CLAIM AS A CLASS CLAIM OR CLASS ACTION OR OTHER COMPARABLE REPRESENTATIVE PROCEEDING; (2) SEEK TO CONSOLIDATE ANY CLAIMS INVOLVING SEPARATE CLAIMANTS (EXCEPT FOR CLAIMANTS WHO ARE ON THE SAME ACCOUNT); (3) BE PART OF, OR BE REPRESENTED IN, ANY CLASS ACTION OR OTHER REPRESENTATIVE ACTION BROUGHT BY ANYONE ELSE; NOR (4) SEEK ANY AWARD OR REMEDY AGAINST OR ON BEHALF OF ANYONE WHO IS NOT A NAMED PARTY. You should not use your account to cash checks for others who are not well known to you. Additional copies may be requested for a fee. Other bank fees may apply. We may charge your account or place a hold on funds at an earlier time if we receive notice that a check or other item deposited to your account is being returned, or if we receive notice that your check or electronic payment (e.g., at a point-of-sale) is being processed for collection. Also, unless we determine that you were grossly negligent or fraudulent in the handling of your account or Card, you will not be liable for the $50 or $500 amounts described above for transactions with a Visa Debit Card processed over the Visa or Plus network (excluding foreign ATM transactions). Electronic Presentment/Posting We may charge your account on the day that a check or other transaction is presented (or returned) to us directly or electronically for payment. Unless we agree otherwise in writing with you, reserve funds shall not bear interest. This law also provides that we must request that the Texas business deposit customer provide us with updated information at least annually. Always use tamper resistant check stock, and never print your social security number or drivers license number on your checks. At a drive-up ATM, make sure all the car doors are locked and all of the windows are rolled up, except the drivers window. (See the Electronic Funds Transfers section for further terms applicable to Automated Telephone Transfer Service.). Check Processing We operate an automated check processing system. Telephone Transfer At our discretion, we may accept telephonic instructions from you in connection with your account. All inclearing items will then be returned, unless you specifically request that a particular check be paid (to do so you must provide us with specific information regarding the item). Our right to charge your account for returned demand drafts will not be limited to the balance or existence of any reserve, and you agree that the opening and maintenance of a reserve account is not intended to constitute, nor shall it constitute, our sole or exclusive remedy, nor an election of remedy. Although we may review checks from time to time, you understand that reasonable commercial standards do not require us to do so. Receipts You can get a receipt at the time you make any transfer to or from your account using one of our ATMs. If you plan to transfer your account or change its status, please speak with us in advance about the impact the change may have on your electronic funds transfer services. Mobile Deposits - Deposit@Mobile FAQ | USAA The word signature card includes any signature card or new account application (including an electronic application) signed and/or completed by you and recorded on the records of East West Bank; the word account means any account issued by and recorded on the records of East West Bank; the word service means any account-related service offered by and recorded on the records of East West Bank; and the word card or ATM/Visa Check Card means any ATM Card or Visa Check Card issued by East West Bank, including any additional cards or renewals. Confirm with us as soon as possible that the transaction was cancelled. Electronic Redeposit of Returned Checks You agree that for items we have previously returned unpaid due to insufficient or uncollected funds, we may, at our discretion, accept checks redeposited electronically by another financial institution. EXCEPTIONS THIS DISPUTE SECTION WILL NOT BE DEEMED TO LIMIT OR CONSTRAIN OUR RIGHT TO SET-OFF, TO OBTAIN PROVISIONAL OR ANCILLARY REMEDIES, TO INTERPLEAD FUNDS IN THE EVENT OF A DISPUTE, TO EXERCISE ANY SECURITY INTEREST OR LIEN WE MAY HOLD IN PROPERTY, OR TO COMPLY WITH LEGAL PROCESS INVOLVING YOUR ACCOUNTS OR OTHER PROPERTY. Direct Deposit/Preauthorized Withdrawals You may authorize others to access your account on a regular basis to make electronic deposits (credits) to your account. When will my deposit be available to use? You agree not to hold us responsible for, and to indemnify and defend us against, damages that may result from any decisions we make in this regard as long as our decision and action (or inaction) is made and taken in good faith. For a stop payment order to be effective, we must receive your request in sufficient time to act on it before the check has paid. It is highly recommended that Online Banking customers use security programs to protect their computer. We count checks for purposes of the transaction limitations as of the date we post them to your account (not as of the date you write them). You agree to notify us immediately, in writing, if you change your business capacity (e.g., sole proprietor to corporation) or the authorized signers on your account. East West Bank, compass logo, and East West Bank with compass logo are separately Our employees cannot promise that checks drawn on or issued by other institutions, including cashiers checks, will be paid. The terminal prints a receipt and sends a payment confirmation to the customers phone. Access to the Box and Vault Area Authorized signer(s) may have access to the safe deposit box during normal business hours if they show identification, which is acceptable to the Bank, and otherwise prove to the Banks satisfaction that they are authorized to access the box. Do not lend your ATM/Visa Check Card/PIN to anyone. You can transmit mobile deposits to West Bank 24-hours a day, 7-days a week including weekends and holidays, with the exception of our routine maintenance downtimes. El Monte, CA 91731 IF YOU WANT TO INSURE WHAT YOU KEEP IN THE BOX, YOU SHOULD CONTACT AN INSURANCE COMPANY. TO OPT OUT, SEND A WRITTEN REQUEST CONTAINING YOUR NAME, ADDRESS, PHONE NUMBER, AND ACCOUNT NUMBER VIA CERTIFIED MAIL TO: EAST WEST BANK, SUPPORT CENTER, P.O. LIMITATION ON TIME TO SUE/ARBITRATE/COMMENCE JUDICIAL REFERENCE UNLESS OTHERWISE REQUIRED BY LAW, OR UNLESS A SHORTER TIME IS PROVIDED BY THIS AGREEMENT IN WHICH CASE THE SHORTER TIME WILL APPLY, AN ACTION OR PROCEEDING BY YOU TO ENFORCE AN OBLIGATION, DUTY OR RIGHT ARISING UNDER THIS AGREEMENT OR BY LAW WITH RESPECT TO YOUR ACCOUNT OR ANY ACCOUNT SERVICE MUST BE COMMENCED WITHIN ONE YEAR (TWO YEARS FOR TEXAS ACCOUNTS) AFTER THE CAUSE OF ACTION ACCRUES. WE DO NOT GUARANTEE YOUR SAFETY WHILE USING THE ATM. If we reimburse you for a loss and the loss is covered by insurance, you agree to assign us your rights under the insurance policy to the extent of our reimbursement, in accordance with this provision. The excess over $5,000 will be available on the ninth business day after the day of your deposit. Some of these services may not be available at all terminals, and all deposits and payments are subject to later verification by us. 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. Confirm your contact information, submit your application and fund your CD from your qualifying checking or savings account, all within minutes. Thank you for your interest in an account with East West Bank. Johnson City, TN 37615. In addition, it would be helpful if you provided us with any supporting documentation related to the error. Such notations shall have no effect on us, and you agree to assume the risks and losses resulting from our acceptance or payment of items that may not conform with the purportedly restrictive language. We reserve the right to refuse to act upon those instructions for any reason, including when the instructions are not clear to us or do not appear to be authorized by you. JUDGMENT UPON THE AWARD RENDERED BY THE ARBITRATOR(S) MAY BE ENTERED IN ANY COURT HAVING JURISDICTION. Arrive on campus with your student account, Send money and Red Envelopes to East West Bank personal bank accounts. This service is free for customers with personal checking accounts. We use a combination of verification procedures depending on the type of funds transfer request, and where you make the request. Massachusetts Accounts Only: You have the option to limit your withdrawals and purchases to $50 per Bank business day provided you make a written request to the Bank. You also agree that we will have no liability for items paid that were forged or altered in a manner such that the fraud could not be reasonably detected by us. Deposits transported to the bank's cash vault by armored carrier. It is your responsibility to keep these items safe and secure, and to immediately discover and report to us if they are lost, stolen or otherwise misused. Check balances and make deposits, payments, and transfers in seconds with our mobile app. 1 From managing bank accounts to transferring funds,your banking has never been easier. The ability to place a stop payment through the Online Banking or Automated Telephone Transfer service may be limited by system availability. Processing Funds Transfers We will use our best efforts to transfer funds the same day if: If you request that we use a specific account for a transfer, we will try to transfer funds from this account. You agree that we may set-off funds in all accounts maintained by you with us (or any affiliate of ours) against any due and payable debt owed to us now or in the future, without prior notice and at any time, to the full extent of the law, including, but not limited to, agreeing that we may use the account to pay the debt even if the withdrawal results in an interest penalty or dishonor of subsequent checks. Power of Attorney We are sometimes asked to honor instructions from someone claiming to act as your agent. Adjustments might occur, for example, if deposits are recorded or keyed in for the wrong amount or items you deposit are returned unpaid. If your account has check truncation your checks will be electronically imaged and these images will be stored free of charge for seven years. Benefits of Using Mobile Deposit | SoFi We do not assume a duty to support multiple signature requirements. Step 2 | Select the account you would like to deposit the check into and type in the check amount. In the case of funds transfers, we make no warranty that the intended recipient of your funds transfer will receive the funds transferred. YOU HAVE THE RIGHT TO OPT OUT OF THE ARBITRATION PROVISION IF YOU TELL US WITHIN 60 DAYS OF OPENING YOUR ACCOUNT. If the check is presented after the stop payment order has expired, you agree that we may pay the check against funds in your account, but are not obligated to do so. Upon our request you agree to provide us with any documentation we may require pertaining to the account, including additional supporting documentation for Out-of-State or Out-of-Country foreign entities. Select an opening deposit Select the CD opening deposit amount and term that best suit your needs. JUDICIAL REFERENCE IF YOUR ACCOUNT IS MAINTAINED IN A STATE WHERE JUDICIAL REFERENCE IS AVAILABLE AND IF A DISPUTE INVOLVING $50,000 OR MORE ARISES BETWEEN US WITH RESPECT TO THIS AGREEMENT, ITS ENFORCEMENT OR OUR SERVICES, EITHER PARTY MAY REQUIRE THAT INSTEAD OF ARBITRATION IT BE RESOLVED BY JUDICIAL REFERENCE IN ACCORDANCE WITH CALIFORNIA CODE OF CIVIL PROCEDURE, SECTIONS 638, ET SEQ. We normally do not examine the date on checks presented for payment. Use of East West Banks mobile banking application requires a data connection. Automated Teller Machine (ATM) Card/Check Card You can perform the following transactions with your ATM and/or Visa Check Card (Card), depending on the accounts and services associated with your Card: * Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. The AWARD RENDERED by the ARBITRATOR ( S ) may be ENTERED in any COURT JURISDICTION... Checks or custom-printed checks receipt at the foreign currency exchange rate imposed by.... Items and checks be credited at the time you make the request to your account Transfers funds! We are sometimes asked to honor instructions from someone claiming to act your... Rejecting funds Transfers, we use one or more of the following security east west bank mobile deposit funds availability described below with any documentation. Writing with you, reserve funds shall not bear interest we do not the. 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