Navigating the world of online banking can be complex, especially when it comes to understanding the fine print. At City National Bank Wv, we believe in transparency and ensuring our customers are fully informed about the services they utilize. This guide breaks down the key agreements for City National Bank of West Virginia’s online banking services, providing clarity and insight into what you agree to when banking with us online.
Understanding the Core Internet Banking Agreement at City National Bank WV
The foundation of your digital banking experience with City National Bank WV is the Internet Banking Agreement. This comprehensive document outlines the general terms and conditions governing all online services. It’s crucial to understand this agreement as it sets the stage for all other specific service agreements.
Key Aspects of the Internet Banking Agreement
- Acceptance of Terms: By requesting and using City National Bank WV’s internet banking services, you are acknowledging that you have read, understood, and agreed to all terms within this agreement and any supplemental agreements.
- Service Evolution: City National Bank WV reserves the right to modify or expand online services, ensuring we stay at the forefront of banking technology and meet evolving customer needs. These changes will be reflected in updated agreements available online.
- Consent and Updates: Your continued access to your account and online services signifies your agreement to the most current version of the Internet Banking Agreement, readily accessible online. You have the right to withdraw your consent at any time by contacting City National Bank WV directly.
- Relationship to Other Agreements: This agreement works in conjunction with other account-specific agreements. For instance, your deposit account agreement remains in effect and applicable when you access your deposit account online.
- Definitions: “City National Bank,” “we,” “us,” or “our” refers to City National Bank of West Virginia. “You” or “your” refers to the individual authorized to access account information via the internet.
Cellular Phone Contact Policy
City National Bank WV may need to contact you via your mobile device. By providing your mobile number, you expressly consent to receive communications from us, including automated calls and text messages, for non-marketing purposes related to your account and services. Standard mobile service provider fees may apply. You can manage your contact information and communication preferences by visiting a branch, online, or by phone.
Security and User Responsibility
The security of your User ID and Password is paramount. Remember, anyone with this information can access your City National Bank WV account. You are solely responsible for maintaining the confidentiality of your credentials. If you suspect any unauthorized use, immediate notification to City National Bank WV is crucial. We will take prompt action to secure your account, including issuing new login credentials.
Joint Account Considerations
For joint accounts at City National Bank WV, all account holders share equal access and rights, including fund transfer capabilities. Each joint account holder is individually and jointly liable under the Internet Banking Agreement. City National Bank WV is not liable for fund transfers made by any joint account holder or for disputes arising between joint account holders regarding online access.
Communication and Notices
Official notices from you to City National Bank WV must be confirmed in writing to be effective. For online banking services, City National Bank WV will primarily communicate via electronic mail or through the online banking service itself. Notices are deemed effective when sent to your last known email address or posted within the online banking platform. Notice to one joint account holder is considered notice to all.
Hardware and Software Durability
Technology evolves, and City National Bank WV may upgrade its online banking services. You acknowledge that these upgrades might render older hardware or software incompatible. City National Bank WV is not responsible for maintaining compatibility with outdated user systems.
Virus Protection
Protecting your computer from viruses is essential for secure online banking. City National Bank WV is not responsible for electronic viruses encountered while using our online services. We strongly recommend using reliable antivirus software and regularly scanning your devices.
Termination of Service
Both you and City National Bank WV have the right to terminate the Internet Banking Agreement at any time, with or without cause. City National Bank WV is committed to non-discriminatory termination practices.
Limitation of Liability and Dispute Resolution
City National Bank WV, its affiliates, employees, and service providers are not liable for damages, losses, or injuries resulting from your use of online banking services, whether due to technology issues or errors in information. This includes indirect or consequential damages and data loss. Disputes related to the agreement or online services will be resolved through arbitration in Charleston, West Virginia, according to the American Arbitration Association rules, waiving court or administrative actions.
Governing Law
The Internet Banking Agreement and related agreements are governed by West Virginia and Federal law, regardless of your location.
No Signature Required
This agreement becomes effective and legally binding when you use your User ID and Password to access City National Bank WV’s internet banking services. No physical signature is required.
Balance and Transaction History Inquiry Agreement
This specific agreement allows you to access your City National Bank WV checking or savings account information online, including balances and transaction history. It operates in addition to the general Internet Banking Agreement.
Service Activation and Description
The “Balance and Transaction History Inquiry” service provides online access to your account balances and transaction history since your last statement. To activate, apply online or at a City National Bank WV branch. Upon approval, you will receive login credentials and instructions. City National Bank WV may extend this service to other account types in the future.
Fees and Availability
Currently, there are no fees for using the “Balance and Transaction History Inquiry” function. City National Bank WV reserves the right to introduce fees for other online banking services. Account information is generally available 24/7, but transaction processing and updates occur only on business days (Monday-Friday, excluding holidays). Online information may not reflect very recent, unposted transactions.
Funds Transfer Agreement
This agreement governs online fund transfers between your City National Bank WV checking and savings accounts, supplementing the overarching Internet Banking Agreement.
Service Activation and Usage
The “Funds Transfer” service enables you to move funds between your eligible City National Bank WV accounts online. Activate this service by contacting a branch or applying online. Upon approval, you’ll receive a User ID and Password along with usage instructions.
Fees and Transfer Limits
There are no fees for utilizing the “Funds Transfer” function itself. However, City National Bank WV may charge fees for other online banking services. While there’s generally no limit on transfer amounts between your accounts (subject to available funds), Regulation D limits certain types of withdrawals and transfers from savings and money market accounts to 6 per month. These limits do not apply to in-person or ATM transactions. Online transfers are processed on the next business day.
Electronic Statement Service (“eDocs”) Agreement
The eDocs agreement at City National Bank WV details your consent to receive account statements and notices electronically, replacing traditional mail delivery.
eDocs Service Details
By enrolling in eDocs, you’ll receive monthly statements and various notices (e.g., CD renewals, rate changes) electronically. You can revert to paper statements at any time by contacting your local City National Bank WV branch.
Fees, System Requirements and Security
Currently, eDocs is a free service, but City National Bank WV may introduce or change fees with 30 days’ notice. You are responsible for losses due to unauthorized eDocs access through your computer or compromised information, except for losses solely due to City National Bank WV’s negligence. To use eDocs, you must be a City National Bank WV Online Banking user with a deposit or loan account and have Adobe Acrobat Reader® (version 6.0 or higher). Ensure your email address is updated in Online Banking to receive statement notifications. Statements are delivered as secure PDFs using 128-bit SSL encryption after you log in with your Online Banking ID and Password. City National Bank WV will never ask for your password. Statements are available online for 18 months. You can choose to include check images with your e-statements.
Termination
You can terminate eDocs through your Online Banking settings. City National Bank WV may also terminate eDocs service with 30 days’ written notice.
Bill Pay Agreement
This agreement outlines the terms for using City National Bank WV’s online bill payment service.
Setting Up Payees and Payments
You can add payees within the bill pay service or with assistance from a City National Bank WV representative. City National Bank WV reserves the right to refuse payee designations. Payments are scheduled and managed through the online service. Payments can be made to payees within the United States. Accuracy of payee information is your responsibility.
Bill Pay Processing
Payments are processed on business days if submitted before the 2:00 PM cut-off time. Payments submitted after the cut-off or scheduled for non-business days will be processed the next business day. Recurring payments are automatically rescheduled based on your frequency settings, adjusting for non-business days according to “Pay Before” or “Pay After” options.
Payment Limits and Fees
Consumer and business accounts have transaction limits of $20,000 per item for bill payments and $1,000 per item/day for person-to-person email payments. Mobile app payments have a limit of $10,000 per item. Service fees apply for charitable donations ($1.99), gift checks ($2.99), and expedited delivery options. Commercial customers may incur monthly fees for electronic invoicing and business bill pay options, as well as per-transaction fees for electronic payments. City National Bank WV may introduce fees for other online bill payment services.
Liability and Amendments
You are responsible for the security of your PIN and for payment requests you make, including errors or duplicates. City National Bank WV is not liable for payments not made due to incorrect instructions or if you fail to notify us promptly of payment issues. City National Bank WV can amend this agreement with notice.
Termination
City National Bank WV can terminate the Bill Pay Agreement at any time. You can also terminate with written notice. You remain responsible for payments made on your behalf.
Mobile Banking Agreement
This agreement governs your use of City National Bank WV’s Mobile Internet Banking service.
Service and Access
City National Bank WV strives to provide continuous mobile banking access but service interruptions may occur for maintenance or due to external factors. We do not guarantee uninterrupted service and may discontinue the service with reasonable notice. You are responsible for your own hardware, software, and wireless service charges. City National Bank WV does not guarantee service functionality on all wireless devices.
Security
City National Bank WV employs security measures to protect the Mobile Banking Service, but no system is entirely failsafe. You will be notified of security breaches as legally required. City National Bank WV reserves the right to take action to protect systems, including denying user access.
Deposit Agreement, Viruses, and Liability
Your accounts accessed via Mobile Banking are subject to your deposit agreement and the general internet banking terms. City National Bank WV is not responsible for viruses encountered through mobile banking and recommends using antivirus software. Liability limitations and arbitration clauses from the Internet Banking Agreement also apply to Mobile Banking.
Mobile Deposit Agreement
This agreement outlines the terms for using City National Bank WV’s Mobile Deposit service, allowing you to deposit checks remotely.
Services and Acceptance
The Mobile Deposit service allows check deposits via scanned images from remote locations. Using the service constitutes acceptance of this agreement, which may be updated periodically. Continued use after changes signifies your agreement to the revised terms.
Service Limitations and Requirements
Technical difficulties may occur. City National Bank WV is not responsible for technical issues or resulting damages. We may change service qualifications, suspend, or discontinue the service at any time without notice. You must maintain compatible hardware and software as specified by City National Bank WV.
Fees and Eligible Items
Currently, there are no fees for Mobile Deposit, but City National Bank WV may introduce fees with notice. You are responsible for fees and authorize City National Bank WV to deduct them from your account. You agree to deposit only “checks” as defined by Reg. CC and not ineligible items such as checks payable to others, altered or fraudulent checks, third-party checks, foreign checks, stale-dated checks (over 6 months old), and others listed in the full agreement.
Endorsements, Receipt of Items and Funds Availability
Endorse checks “For mobile deposit only, account #______” or as instructed by City National Bank WV. City National Bank WV reserves the right to reject any item. An email confirmation indicates image receipt but not necessarily acceptance for deposit. Funds deposited via Mobile Deposit are generally available on the second business day after the deposit day (if received before 8:00 PM ET on a business day).
Disposal of Checks, Deposit Limits and Errors
Retain deposited checks for 30 days after confirmation, then destroy them. Current deposit limits are $2,500 daily and $10,000 monthly, with daily and monthly item limits (subject to change). Notify City National Bank WV of errors within 30 days of your statement.
Warranties, Indemnification, and Termination
You warrant that you will only deposit eligible items, not duplicate or re-present items, and that all information is accurate. You agree to indemnify City National Bank WV for breaches of warranty. City National Bank WV may terminate this agreement at any time.
Card Management Application Agreement
This agreement covers the Card Management Application service, allowing you to manage your City National Bank WV debit cards via mobile.
Card Management Process
Through the City National Bank WV mobile app, you can temporarily suspend or report your debit card as lost/stolen. Suspending a card temporarily blocks transactions. You can reactivate a suspended card or report it lost/stolen within the app. Reporting a card lost or stolen is permanent within the app; contact City National Bank WV for assistance if done in error.
Fees
Currently, there are no fees for the Card Management Application service, but City National Bank WV may introduce fees with notice.
Electronic Funds Transfers Disclosure: Your Rights and Responsibilities
This section summarizes your rights and responsibilities related to electronic fund transfers (EFTs) at City National Bank WV, as required by regulations.
Types of Transfers, Frequency, and Limitations
This disclosure outlines various EFT types, including preauthorized transfers, telephone transfers, ATM transfers, point-of-sale transactions, computer transfers, mobile banking transfers, and third-party initiated transfers. It details limitations and fees associated with certain transfer types and services like Bill Pay and Mobile Deposit. ATM operator fees may apply at non-City National Bank WV ATMs.
Documentation, Preauthorized Payments, and Liability
You receive receipts for terminal transfers and monthly account statements. You have the right to stop preauthorized payments by notifying City National Bank WV at least 3 business days in advance (stop payment fees apply). City National Bank WV’s liability for errors and unauthorized transfers is limited as described in the full disclosure.
Confidentiality and Unauthorized Transfers
City National Bank WV will disclose account information to third parties only for limited purposes (completing transfers, account verification, legal compliance, privacy disclosure). Report lost or stolen cards/codes or unauthorized transfers immediately. Your liability for unauthorized transactions is limited if you report promptly.
Error Resolution
Notify City National Bank WV as soon as possible, but no later than 60 days after your statement date, if you believe there is an error. City National Bank WV will investigate and resolve errors within specified timeframes.
Contact Information
For any questions or to report issues related to these agreements or your City National Bank WV online banking services, please contact:
City National Bank
3601 MacCorkle Avenue SE
Charleston, WV 25304
304-926-3308
Business Days: Monday – Friday
This guide provides an overview of the key agreements governing City National Bank WV’s online banking services. For complete details, please refer to the full text of each agreement provided by City National Bank of West Virginia.
