Personal Online Banking (CeB) Access Agreement
Introduction
This Online Access Agreement (“Access Agreement”) for accessing your accounts through John Marshall Bank Online explains the terms and conditions governing the online banking services and bill pay offered through John Marshall Bank. By using the Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent, there is no applicable Federal law or regulation, by the laws of the State of Virginia. The terms “we,” “us,” “our,” “,” and “Bank” refer to John Marshall Bank. “You” refers to each signer on an account. The term “business days” means Monday through Friday, excluding Saturday, Sunday and Federal holidays.
John Marshall Bank Online can be used to access accounts. Each of your accounts is also governed by the applicable account disclosure statement (“Deposit Agreement and Disclosure”).
Accessing Your Accounts through John Marshall Bank Online
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Requirements
To access your accounts through John Marshall Bank Online, you must have an account and an online password.
A business must be operating under a taxpayer identification number which must be the owner’s Social Security Number to have access to these accounts.
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Electronic Mail (email)
Sending electronic mail (email) through John Marshall Bank Online CeB is a way to communicate with the Bank email is provided for you to ask questions about your account(s) and provide general feedback. Email is accessible after you sign on with your password to a session of John Marshall Bank CeB. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).
You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within or call 703-289-5949.
Fees
There are no monthly or transaction fees for accessing your account(s) through John Marshall Bank CeB. See Section IV for a description of Bill Pay fees.
Please note that fees may be assessed by your online service provider.
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New Services
John Marshall Bank CeB may, from time to time, introduce new online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.
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Benefits of Using
With John Marshall Bank CeB, you can manage your personal or small business accounts from your home or office on your personal computer. You can use to:
View account balances and review transaction history. Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement). Pay bills to any merchant, institution or individual. Communicate directly through email.
Terms and Conditions
The first time you access your accounts through John Marshall Bank CeB you agree to be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure.
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Your Online Password
Upon enrollment, you will create your own password. This online password will give you access to your accounts. This password can be changed within online banking under the Customer Service tab. We recommend that you change your password regularly. For security purposes, it is recommended that you memorize this online password and do not write it down. You are responsible for keeping your password, account numbers, and other account data confidential.
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Payment Account
Although there are no fees for accessing your accounts through John Marshall Bank Online, you may be asked to designate a payment account for selected services such as Bill Pay. You agree to pay promptly all fees and charges for services provided under this Agreement and authorize us to charge the account that you have designated as the payment account or any other account for the fees.
If you close the payment account, you must notify and identify a new payment account for the selected services. Additionally, if you close all accounts, you must notify Customer Service to cancel the services.
Your online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Customer Service at 703-289-5949.
If you do not access your accounts for any (1) one year period, we reserve the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected.
You agree to be responsible for any telephone charges incurred by you while accessing your accounts through John Marshall Bank CeB.
If you wish to cancel any of the services offered through online banking, please contact Customer Service at 703-289-5949 or send us cancellation instructions in writing to John Marshall Bank, 1943 Isaac Newton Square, Suite 100, Reston, VA 20190
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Our Liability
Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, OR by Internet browser providers OR by online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, or Internet browser or access software.
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Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, transfers and bill payments, etc.) that you have requested for a given business day, then:
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- Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
- The electronic funds transfers initiated through John Marshall Bank Online may result in an overdraft of your account and may, at John Marshall Bank’s discretion, be canceled.
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In addition, you will be charged the same overdraft charges that apply to your account.
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Hours of Accessibility
You can access your accounts through online banking seven days a week, 24 hours a day. However, at certain times, some or all may not be available due to system maintenance. You will be notified online when this occurs.
An internal transfer initiated through online banking before 9:00 PM EST on a business day is posted to your account the same day. All transfers completed after 9:00 PM EST on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.
Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.
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Additional Terms and Conditions
Obtaining Account Balance and Transaction History – You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as of the close of the previous business day.
Transferring Funds – The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
Bill Pay Service
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Using the Service
The Payment Service allows you to schedule bill payments through the Bill Pay module. You can schedule, at your option, for the payment of your current, future and recurring bills from any of your checking accounts. There is no limit to the number of payments that may be authorized. You may pay any merchant or individual through the use of Bill Pay. We are unable to process any payment of taxes or court-directed payments through Payment Services.
By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through Bill Pay. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected checking account. You authorize us to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the exact day designated, it is understood that due to circumstances beyond the control of John Marshall Bank, particularly delays in handling and posting payments slow-responding companies or financial institutions, some transactions may take a day or even a few days longer.
For this reason, it is recommended that all payments transfers be scheduled to at least (7) seven business days before the actual due date. In any other event, including, but not limited to, choosing a payment date less than (7) seven days prior to the actual due date, the risk of incurring and the responsibility for paying any and all charges or penalties shall be borne by you.
John Marshall Bank will use its best efforts to process all your payments properly. However, John Marshall Bank shall incur no liability if it is unable to complete any payments initiated by you through payment services because of the existence of any one or more of the following circumstances:
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- Your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection account.
- The processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction.
- You have not provided with the correct names or account information for those persons or entities to whomever you wish to direct payment.
- Circumstances beyond the control of John Marshall Bank, such as, but not limited to, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction. John Marshall Bank has taken reasonable precautions to avoid those circumstances.
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You have the right to stop or change any scheduled payment. You must cancel the payment by no later than 3 PM (Eastern Time), on the prior business day, by using the DELETE function on the “Pending Payment” screen.
John Marshall Bank reserves the right to terminate your use of bill payment service in whole or part, at any time without prior notice.
If for any reason, you should ever wish to cancel bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using or calling John Marshall Bank’s Customer Service at 703-289-5949. This will ensure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payment orders (all individual payments and all recurring payments) once we have been notified that your service has been terminated. We will continue to maintain your accounts until you notify us otherwise.
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Bill Pay Fees
There is no monthly fee for payment services; however, you agree to pay any special charges in effect as announced by the Bank from time to time. These charges are in addition to the fees and service charges specified in your applicable checking, savings, overdraft protection account agreements (for example, uncollected or overdraft charges on your checking account).
If the payment account has insufficient funds to cover fees, the Bank will deduct the fee from any other checking account linked to (in any order we may choose). If the fee cannot be paid, we may cancel your Bill Pay service. After cancellation, your Bill Pay service may be reinstated by contacting Customer Service once sufficient funds are available in your payment account to cover the bill payment fees and any other pending transfers or debits.
General Terms
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Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.
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Disclosure of Account Information
You understand that in addition to information furnished pursuant to the legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The Bank may also provide information about your account(s) to persons or companies the Bank believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify the information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, the Bank routinely informs a credit bureau when accounts are closed by the Bank because they were not handled properly. The Bank may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information.
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Questions or Error Correction on Transactions
In case of questions or errors about funds transfers through involving your account, here is what you should do:
Contact by electronic mail (E-mail) Fax at 703-584-0857 Telephone at 703-289-5949. Write to 1943 Isaac Newton Square, Suite 100, Reston, VA 20190, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record. We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days. Tell us your name and account number, describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information. Tell us the dollar amount of the suspected error. For a bill payment, tell us the checking account number used to pay the bill, payee name, the date the payment was sent, payment amount, reference number, and payee account number for the payment in question. Here’s what we will do:
We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases 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, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, 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 ten (10) business days, we will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.
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:
If, through no fault of ours, you do not have enough money in your account to make a transfer. If a legal order directs us to prohibit withdrawals from the account. If your account is closed or if it has been frozen. If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts. If you, or anyone you allow, commits any fraud or violates any law or regulation. If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly. If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment. If you have not properly followed the instructions for using online payments. If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.
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Other General Terms
Other Agreements – In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Bank’s rules and regulations, the rules and regulations of any funds transfer system to which the Bank belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also.
Reserves the Right to terminate this Agreement – The Bank reserves the right to terminate this Agreement and your access to John Marshall Bank Online, in whole or in part, at any time without prior notice.
Protecting Your Account
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Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call Customer Service at 703-289-5949.
Protecting Personal Information – In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver’s license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.
Taking Care of Your Online Password – The password that is used to gain access to should also be kept confidential. For your protection, we recommend that you change your online password regularly. It is recommended that you memorize this online password and do not write it down.
You are responsible for keeping your password, account numbers, and other account data confidential. If you believe that your online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify Customer Service at once at 703-289-5949.
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Unauthorized Transactions in Your Accounts
Notify us immediately if you believe another person has improperly obtained your online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call Customer Service at 703-289-5949, or write John Marshall Bank, 1943 Isaac Newton Square, Suite 100, Reston, VA 20190.
If your online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.
Online Privacy Policy
Certain personal information about visitors to this Web site is being collected by John Marshall Bank, located in Reston, Virginia. Personal information is collected from you at the time an application for a loan or deposit account is submitted to the Institution, at the time transactions are conducted through the online banking service, and at the time information is provided by you via e-mail (including the name, e-mail address, and any other information on the e-mail header). The Institution does not use ‘cookies’ to collect and track information about you.
Information is collected for the purpose of processing your application, transaction, or request for information. The information will be used for the purposes of meeting your banking needs and requests, and providing services to you in the future. The Institution does not sell or share customer information with any non-affiliated third parties, except certain third-party service providers. These entities will be required to execute a confidentiality agreement with the Institution which requires adherence to the Institution’s privacy policy and practices. The Institution shares information with companies that are affiliated with this Institution by common control. We share information as permitted by law in order to provide you with better services and more options.
If you do not want your personal information collected, you may refrain from supplying the information, whether through e-mail or the Institution’s online banking service.
You also may restrict the use of or limit the disclosure of your personal information by notifying the Institution that you do not want your personal information shared with entities affiliated with the Institution. This written notice should be directed to the Compliance Officer, at John Marshall Bank, 1943 Isaac Newton Square, Suite 100, Reston, VA 20190, or telefacsimile at (703) 584-0857.
We are taking the following steps to ensure the privacy and accuracy of the information collected from or about you: Ensuring your financial privacy is of vital importance to the Institution and its employees. The Institution limits employee access to confidential customer financial information to those with a business reason for knowing such information. Institution employees are trained to understand the importance of customer financial privacy and to properly handle confidential information. The Institution endeavors to maintain the most accurate and up-to-date customer records possible. If you find that your account information is not correct, current, or complete, please call or write to us at the telephone number or address on your account statement and appropriate corrections will be made as soon as possible.
Additionally, the information you submit via our online banking service is protected by encryption technology which scrambles account information to reduce the possibility of access by unauthorized individuals outside the Institution. To further protect your online banking service, the Institution requires the use of a user ID and password.
You may review the information we collect about you and correct any errors in that information by reviewing account statements and any other correspondence from us and notifying us of any inaccurate or outdated information at the address or phone number on your statements.
If you have questions about your personal information or would like to inform us about the potential misuse of your personal information, you may do so by sending a letter to the Compliance Officer, John Marshall Bank, 1943 Isaac Newton Square, Suite 100, Reston, VA 20190, fax 703-584-0857 or you may call us at 703-289-5949.
If you feel we have not met our obligations in the protection or use of your personal information, you may submit a complaint to the Institution. Any complaint will be handled in compliance with the Institution’s Consumer Complaints Policy. Breaches of customer privacy are considered serious employee misconduct and may result in termination of the employee.
We recognize the importance of protecting children’s identities and privacy online. Our website is not directed at children, and we do not knowingly collect or maintain personal information from children.