Terms and Conditions-AR
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2022 Wolters Kluwer Financial Services, Inc.
You agree that we may verify credit and employment history by any necessary means, including preparation of a credit report
by a credit reporting agency.
If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or
similar order relating to your account (termed "legal action" in this section), we will comply with that legal action as required
by applicable law. However, nothing in this agreement shall be construed as a waiver of any rights you may have under
applicable law with regards to such legal action. Subject to applicable law, we may, in our sole discretion, choose to freeze
the assets in the account and not allow any payments or transfers out of the account until there is a final court determination
regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we
will not have any liability to you if there are insufficient funds to pay your items because we have withdrawn funds from your
account or in any way restricted access to your funds in accordance with the legal action and applicable law. Any fees or
expenses we incur in responding to any legal action (including, without limitation, attorneys' fees, and our internal expenses)
may be charged against your account, unless otherwise prohibited by applicable law. The list of fees applicable to your
account(s) - provided elsewhere - may specify additional fees that we may charge for responding to certain legal actions.
(31 ) Credit Verification
(32 ) Legal Actions Affecting Your Account
(33 ) Account Security
Your Duty to Protect Account Information and Methods of Access.
Our policy may require methods of verifying
your identity before providing you with a service or allowing you access to your account. We can decide what
identification is reasonable under the circumstances. For example, process and identification requirements may vary
depending on whether they are online or in person. Identification may be documentary or physical and may include
collecting a fingerprint, voiceprint, or other biometric information.
TC-AR 6/1/2022
(2206).00
It is your responsibility to protect the account numbers and electronic access devices (e.g., an ATM card) we provide you
for your accounts. You should also safeguard your username, password, and other access and identifying information
when accessing your account through a computer or other electronic, audio, or mobile device or technology. If you give
anyone authority to access the account on your behalf, you should exercise caution and ensure the trustworthiness of that
agent. Do not discuss, compare, or share information about your account numbers with anyone unless you are willing to
give them full use of your money. An account number can be used by thieves to issue an electronic debit or to encode your
number on a false demand draft which looks like and functions like an authorized check. If you furnish your access device
or information and grant actual authority to make transfers to another person (a family member or coworker, for example)
who then exceeds that authority, you are liable for the transfers unless we have been notified that transfers by that person
are no longer authorized. Your account number can also be used to electronically remove money from your account, and
payment can be made from your account even though you did not contact us directly and order the payment.
Positive Pay and Other Fraud Prevention Services.
Except for consumer electronic fund transfers subject to
Regulation E, you agree that if we offer you services appropriate for your account to help identify and limit fraud or other
unauthorized transactions against your account, and you reject those services, you will be responsible for any fraudulent or
unauthorized transactions which could have been prevented by the services we offered. You will not be responsible for
such transactions if we acted in bad faith or to the extent our negligence contributed to the loss. Such services include
positive pay or commercially reasonable security procedures. If we offered you a commercially reasonable security
procedure which you reject, you agree that you are responsible for any payment order, whether authorized or not, that we
You must also take precaution in safeguarding your blank checks. Notify us at once if you believe your checks have been
lost or stolen. As between you and us, if you are negligent in safeguarding your checks, you must bear the loss entirely
yourself or share the loss with us (we may have to share some of the loss if we failed to use ordinary care and if we
substantially contributed to the loss).