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CONSUMER ONLINE BANKING DISCLOSURE AND AGREEEMENT
This Agreement describes your rights and obligations as a user of the Online Banking
service and/or the Bill Payment and Presentment service ("Services"). It also describes
the rights and obligations of Carrollton Bank. Please read this Agreement carefully. By
requesting and using one of these Services, you agree to comply with the terms and
conditions of this Agreement.
Definitions
The following definitions apply in this Agreement. "Online Banking" is the Internet-
based service providing access to your Carrollton Bank account(s); "Online Account"
means any Carrollton Bank account from which you will be conducting transactions
using Online Banking; and "Password" is the code you create that establishes your
connection to Online Banking. "Time of day" references are to Eastern Standard Time or
Eastern Daylight Time, as applicable. "We" or "us" refer to Carrollton Bank, which offers
Online Banking and which holds the accounts accessed by Online Banking.
Access to Online Banking
You will access your accounts by using your Internet-Enabled Device, Internet Service
Provider, User ID, and Password. You may also be required to answer security
questions. Any accounts at this financial institution that you have an owner relationship
to can be added to your online banking service.
Use of your Password
You agree not to allow anyone to gain access to your Online Banking or to let anyone
know your Password used with your Online Banking. You agree to assume responsibility
for all transactions for all accounts you access using Online Banking up to the limits
allowed by applicable law.
If your Password has been lost or stolen
If your Password has been lost or stolen, call Carrollton Bank support at 1(800)822-3896,
24 hours a day, 7 days a week. Telephoning support is the best way to minimize your
losses. If you believe your Password has been lost or stolen and you tell us within two
business days after you learn of the loss or theft, you can lose no more than $50 if
someone uses your Password without your permission. If you do NOT tell us within two
business days after you learn of the loss or theft of your Password, and we can prove we
could have stopped someone from using your Password without your permission if you
had told us, you could lose as much as $500.
If your statement shows transfers that you did not make
If your statement shows transfers that you did not make, notify Carrollton Bank
immediately by calling 1(800)222-6566, extension 7340, 24 hours a day, 7 days a week,
or writing us at:
Carrollton Bank
Electronic Banking
1740 E Joppa Rd Ste 206
Baltimore, MD 21234-3633
If you do not notify Carrollton Bank within 60 days after the statement was mailed to you
or provided to you electronically, you may not recover any money lost after the 60 days
which would not have been lost if Carrollton Bank had been notified in time. If a good
reason (such as a long trip or hospital stay) delayed you from contacting the bank,
Carrollton Bank will extend the times.
Banking Transactions with Online Banking
In addition to viewing account information, you may use Online Banking to conduct the
following transactions:
1. Transfer funds among your Carrollton Bank checking accounts, savings accounts,
money market accounts, and loan accounts. NOTE: Because regulations require
Carrollton Bank to limit preauthorized transfers (including Online Banking
transfers), the following limitations apply:
a. Statement savings account. You can make no more than six transfers per
statement period by preauthorized or automatic transfer or by telephone or
Online Banking.
b. Money Market savings account. You can make no more than six transfers
per statement period by preauthorized or automatic transfer or by
telephone or Online Banking and no more than three of these may be by
check, draft or debit card.
2. New services may be introduced for Online Banking from time to time. Carrollton
Bank will notify you of the existence of these new services. By using these
services when they become available, you agree to be bound by the rules, which
will be made available to you concerning these services.
Office of Foreign Asset Control (OFAC)
As a Carrollton Bank Online Banking customer using the Bill Payment and Presentment
and/or ACH features of online banking, you are considered an "originator" of an ACH
transaction and you are subject to applicable U.S. law when initiating ACH transactions.
This includes, among other things, that as an Originator you will not violate the Office of
Foreign Assets Control (OFAC) enforced sanctions, and you will not act on behalf of, or
transmit funds to or from, any party subject to such sanctions. (A complete list of parties
subject to the OFAC sanctions can be found at www.ustreas.gov/ofac . You can also
order a copy of the current ACH Rules at http://www.macha.org/shop/pubs.asp ).
Bill Payment Service
The Bill Payment service permits you to direct payments from your designated online
Bill Pay Account(s) to third parties. Your Bill Payment Account must be a checking
account. Through the Bill Payment service, you can pay bills from your Bill Pay Account
to businesses or individuals.
All payments you make will be deducted from the account that you designate as your Bill
Payment Account for the Bill Payment service. Any payments you wish to make through
this service must be payable in U.S. dollars to a payee located in the continental United
States. We reserve the right to restrict types of payees to whom payments may be made
using the Service from time to time. You should not use the Bill Payment service to
make payments to settle securities purchases, payments to interest bearing accounts,
tax payments, or court ordered payments. Payments for these payees will be your sole
responsibility if delayed or improperly processed or credited.
Funds must be available in your Bill Payment Account on the scheduled payment date. If
the date you schedule a payment to be initiated falls on a non-business day (Saturday,
Sunday or holiday), funds must be available in your Bill Payment Account the following
business day (e.g., Monday). After funds are withdrawn from your Bill Payment
Account to make a payment, we may make the payment either by transferring funds
electronically to the payee or by mailing a check to the payee.
You may choose to schedule payments to recur in the same amount at various intervals.
When you create a new payee in the Bill Payment service, it has a temporary status until
we have had sufficient time to set up the account, and for your business payees, verify
information about your account. You should schedule a payment to a new payee at least
ten (10) business days before any payment due date, to allow us time to set up the payee
and verify information about your account with the payee.
For all subsequent payments, you agree to allow at least six (6) business days between the
date you schedule a payment to be initiated and the payment due date (that is, the due
date shown on your invoice or provided in your agreement with the payee, not taking into
account any applicable grace period). If you do not, you will be fully responsible for all
late fees, finance charges or other action taken by the payee. If you schedule your
payment and follow all instructions provided, but the payment is not received by the
payee in a timely manner, Carrollton Bank’s Bill Payment Provider will work with the
payee on your behalf to attempt to have any late fees or charges reversed.
Payment Processing Exceptions: Average processing times do not apply for bill
payments sent to the following: U.S. Territories (Guam, Puerto Rico, U.S. Virgin
Islands) or International Military Bases (Armed Forces Americas, Armed Forces Europe,
Asia, Canada, Middle East, Armed Forces Pacific).
Carrollton Bank is only responsible for exercising ordinary care in processing and
sending payments upon your authorization in accordance with this Agreement. Carrollton
Bank will not be liable in any way for damages you incur if you do not have sufficient
funds in your Bill Payment Account to make the payment on the processing date, for
delays in mail delivery, for changes to the payee's address or account number (unless you
have made the change in the Bill Payment Service by creating a new payee prior to
scheduling the payment), for the failure of any payee to correctly account for or credit the
payment in a timely manner, or for any other circumstances beyond the control of
Carrollton Bank.
If the session during which you schedule a payment or transfer ends by 8:00 p.m.,
Carrollton Bank will be considered to have received it on that day; otherwise, it will be
considered received on the following business day. For all entries made using the service,
the time recorded by the Online Banking service is the controlling time.
If your Bill Payment Account does not have sufficient funds to make a payment as of the
date the transfer or payment is attempted or scheduled to be made, the transfer or
payment may be canceled and no further attempt will be made by Carrollton Bank to
make the transfer or payment. Carrollton Bank’s Bill Payment Service Provider will
attempt to notify you by e-mail or U.S. Postal Mail, but Carrollton Bank shall have no
obligation or liability if it does not complete a transfer or payment because there are
insufficient funds in your account to process a transaction. In all cases, you are
responsible for contacting bill payment support and, if necessary, either making alternate
arrangements for the payment or rescheduling the payment through the Service. If an
electronic payment was sent from Carrollton Bank’s Bill Payment Provider and funds are
not available in your account, it is your responsibility to pay the funds to Carrollton
Bank’s Bill Payment Provider. In the case of scheduled recurring payments, only the
payment currently scheduled will be canceled. Recurring payments scheduled for future
dates will not be affected.
The way to cancel or change a payment is to use your Bill Payment Service. Payments
must be changed or canceled using the Service prior to 8:00 p.m. on the business day
prior to the day the transaction is scheduled to be initiated. If you ask us to cancel a
payment after it is issued and we agree to do so, we may charge you a stop payment fee.
Stop payment orders, whether oral, written, or electronic, will be in effect for a period of
six months. If required by Carrollton Bank, you will confirm any stop payment order in
writing. After six months, any stop payment will terminate and must be renewed in order
to continue in effect. Carrollton Bank may pay any item that is presented following the
lapse of any stop payment order. Stop payments for a payment scheduled through the
Bill Payment Service can only be placed on payments where the payment is made to the
payee by paper check and the check has not yet cleared. Stop payments cannot be issued
for bill payments that are sent to the payee electronically.
Bill Presentment Service
This feature is for the presentment of electronic bills only and it is your sole
responsibility to contact your bill originator directly if you do not receive your statement.
If you elect to activate one of the electronic Bill Presentment options, you agree to the
following:
Maintenance: It is your responsibility to maintain all user names and passwords for all
electronic bill originator sites and provide all information required for Bill Presentment.
Activation: Upon activation of the electronic bill feature Bill Presentment may notify the
bill originator of your request to receive electronic billing information. The presentment
of your first electronic bill may vary from bill originator to bill originator and may take
up to sixty (60) days, depending on the billing cycle of each bill originator. Additionally,
the ability to receive a paper copy of your bill(s) is at the sole discretion of the bill
originator. While your electronic bill presentment feature is being activated it is your
responsibility to keep your accounts current. Each electronic bill originator reserves the
right to accept or deny your request to receive electronic bills.
Authorization to obtain bill data: Your activation of the electronic bill presentment
feature for a bill originator shall be deemed by us to be your authorization for us to obtain
bill data from the bill originator on your behalf. For some bill originators, you will be
asked to provide us with your user name and password for that bill originator. By
providing us with such information, you authorize us to use the information to obtain
your bill data.
Notification: Bill Presentment will use its best efforts to present all of your electronic
bills promptly. In addition to notification within Bill Presentment, Bill Presentment may
send an e-mail notification to the e-mail address listed for your account. It is your sole
responsibility to ensure that this information is accurate. In the event you do not receive
notification, it is your responsibility to periodically logon to Bill Presentment and check
on the delivery of new electronic bills. The time for notification may vary from bill
originator to bill originator. You are responsible for ensuring timely payment of all bills.
Cancellation of electronic bill notification: The electronic bill originator reserves the
right to cancel the presentment of electronic bills at any time. You may cancel electronic
bill presentment at any time. The timeframe for cancellation of your electronic bill
presentment may vary from bill originator to bill originator. It may take up to sixty (60)
days, depending on the billing cycle of each bill originator. Bill Presentment will notify
your electronic bill originator(s) as to the change in status of your account and it is your
sole responsibility to make arrangements for an alternative form of bill delivery. Bill
Presentment will not be responsible for presenting any electronic bills that are already in
process at the time of cancellation.
Non-delivery of electronic bill(s): You agree to hold Bill Presentment harmless should
the bill originator fail to deliver your statement(s). You are responsible for ensuring
timely payment of all bills. Copies of previously delivered bills must be requested from
the bill originator directly.
Accuracy and dispute of electronic bill(s): Bill Presentment is not responsible for the
accuracy of your electronic bill(s). Bill Presentment is only responsible for presenting
the information we receive from the bill originator. Discrepancies or disputes regarding
the accuracy of your electronic bill summary or detail must be addressed with the bill
originator directly.
You agree not to use someone else’s information to gain unauthorized access to another
person’s bill.
This Agreement does not alter your liability or obligations that currently exist between
you and your bill originators.
EXCLUSIONS OF WARRANTIES
BILL PRESENTMENT AND RELATED DOCUMENTATION ARE PROVIDED "AS
IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED,
INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
External Transfers
The External Transfer feature of the Service allows you to request that we initiate an
electronic funds transfer from a bank account held in your name at another financial
institution (the “external” bank account) to one of your eligible checking accounts at
Carrollton Bank or from one of your eligible Carrollton Bank checking accounts to an
account held in your name at another financial institution. This feature cannot be used to
transfer funds to third parties or to or from an account that is held or owned soley by a
person other than you. By creating a transfer instruction using this feature you authorize
Carrollton Bank and its service providers to initiate electronic debits and credits to and
from your bank to bank eligible accounts and external bank accounts to process your
external transfer request. This authorization will remain in effect until you cancel the
authorization and give us reasonable time to act on that request.
You also authorize us to correct any error and to make adjustments when a funds transfer
is returned, reversed or cannot be completed. You authorize us to make such corrections
and adjustments by initiating electronic debits or credits to and from your eligible
account(s) and external account(s) and by debiting any other account you have at
Carrollton Bank (if the erroneous, returned, reversed or incomplete transfer cannot be
fully corrected or adjusted by debiting your eligible Account(s) or external account(s)).
This authorization shall survive cancellation or termination of your External Transfer
service.
You represent and warrant to us that you are the owner of both the eligible account(s) at
Carrollton Bank and the external account(s) AND that you have the authority to register
for the External Transfer Service and to initiate funds transfers to and from the eligible
accounts at both Carrollton Bank and the external financial institutions. You guarantee to
us that you will not use the External Transfer Service for business purposes or any
purpose or activity that is in violation of any federal or state law, rule, statute or
regulation, including the rules of any payment system used to process your transfer
request.
Carrollton Bank and any financial institution(s) holding the external account(s) may rely
on the representations and the authorizations provided by you in this agreement without
investigation. We will use the Automated Clearing House (“ACH”) network to initiate
the electronic debits and credits to your eligible account(s) to process your transfer
requests. We may use other methods to process a request, including, but not limited to, a
book transfer or wire transfer.
Carrollton Bank makes no representation or warranty to you that the financial institution
that holds the external account will properly credit or debit funds arising from an
incoming or outgoing funds transfer to or from your external account or will honor any
instruction to credit or debit your external account.
We will process transfer requests received before 8:00 PM EST on that business date.
Transfer requests that are received after 8:00 PM EST or on a non-business day will be
processed the next business day.
Carrollton Bank has no obligation to complete a transfer request if there are not sufficient
funds in your eligible account, if the transaction is not processed or is returned for any
reason by the financial institution holding your external account, the transfer request
exceeds any dollar or frequency limitation placed on funds transfers by us, there are any
holds or restrictions on your Carrollton Bank account or your external account that would
prohibit the transfer, or if, in our discretion believe that processing the transfer would
result in or expose us to a loss of any kind. We are not responsible for actions taken by
the financial institution that holds your external accounts, and we are not responsible if
the financial institution does not properly credit or debit a funds transfer to or from your
external account.
It is your responsibility to monitor your External Transfer accounts through your online
banking service to determine that your transfer requests have been processed. You are
responsible for the content of any transfer request and the accuracy of the request.
Carrollton Bank is not responsible and under no obligation to determine the accuracy of
your request.
The per day limit for external transfers is $10,000.00. There is a $1.00 charge for each
external transfer where the transfer request is debiting your Carrollton Bank account and
crediting your eligible external account.
Electronic Statement Delivery
You may elect to receive your deposit account statements electronically by accepting this
Electronic Statement Delivery Agreement.
By requesting to receive your statements electronically you are confirming that:
1. You have the equipment and software (statements are in PDF format and may be
viewed using Adobe Acrobat Reader – version 7.0 or higher is recommended)
necessary to allow you to receive, view, and print your statement electronically
for eligible accounts. It is recommended that you keep your system security
current to include Microsoft Security Updates and antivirus software updates.
2. You agree to notify Carrollton Bank if you are not able to receive, view, and print
your statement for any reason; at which time Carrollton Bank may resume mailing
a paper statement to the address currently on file for your account. You may
notify us by sending an email to responsecenter@carrolltonbank.com .
3. You have the equipment and software necessary to allow you to receive, view and
print, including, but not limited to, change of terms notices, annual privacy
notices, and other notices required by applicable law or any agreement between
you and us (each a “Legal Communication”).
4. You have a valid email address at which to receive any notice that a periodic
statement is available to you at our internet banking website.
5. You agree to receive electronically, and we no longer need to send you a paper
copy of, any periodic statement for your primary account(s) or any Legal
Communication.
6. You agree to discontinue receipt of cancelled checks, if, prior to agreeing to
receive your statements electronically, you received cancelled checks as part of
your account statement.
7. You agree that, upon our receipt or your request for electronic statement delivery,
any combined statements that you have will be discontinued. Further, you agree
that, going forward, you will not request combined statements for any of the
accounts for which you receive electronic statement delivery.
When you choose to receive your statements electronically the following applies:
1. Your statement date will not change.
2. You will not receive a paper statement.
3. Your statement will be available to you within internet banking for a period
of at least six (6) months.
Once Carrollton Bank electronic statement delivery takes affect for your account,
whenever any periodic statement for your account or any Legal Communication is ready
to be made available to you at our website, we will send a notice to the email address you
have provided within your internet banking service. You acknowledge that the email
notice will constitute delivery of the periodic statement or Legal Communication,
whether or not you view or print it. If the notice is returned to us as undeliverable, we
will contact you by mail, via U. S. Postal Service, at the address currently in our records,
to notify you that we were unable to successfully deliver your email notification. You
will be asked to provide to us a valid email address to use for your electronic statement
delivery notices.
When you receive your email notice that your electronic statement is available, you must
not respond to the notice (including using the reply function) in order to request
information, service, or a paper copy of a periodic statement for your account, a Legal
Communication, or any other item or to terminate enrollment in Carrollton Bank
electronic statement delivery, and we will not be responsible to responding to any request
or termination of enrollment made by your responding to the notice by email.
Acknowledgement of Risk: You acknowledge that there are risks associated with
sending a notice to an email address, including, but not limited to, disruption of service
and, because email is not private or secure, unauthorized access to the notice and
information that it contains.
Termination of Electronic Statement Service: Carrollton Bank may terminate your
enrollment in our electronic statement delivery by notifying you. The termination will
take place on a date at our discretion. You may terminate your enrollment in electronic
statement delivery by notifying us. You may notify us via email at
responsecenter@carrolltonbank.com or by sending a written request to Carrollton Bank,
Electronic Banking, 1740 E Joppa Rd Ste 206, Baltimore, MD 21234-3633. The
termination will take effect when we have had reasonable time to act on your notice,
which can take up to sixty (60) days. Any termination of your enrollment may be
effective for all accounts. Any termination of your enrollment will not affect the validity
or legal effect of any periodic statement for your account or any Legal Communication
provided to you at our website.
Paper Statements: At any time after you enroll in Carrollton Bank electronic statement
delivery, we will discontinue mailing paper copies of your statement and paper copies of
Legal Communications. For as long as we are required by applicable law to keep a copy
of any statement for an account or any Legal Communication, you may request a paper
copy by contacting your branch office. You must pay to us any applicable charge for the
paper copy as identified in the bank’s special handling charges or fee schedule then
currently in effect. Your request for a paper copy will not constitute a request to cancel
electronic statement delivery. If we discontinue sending paper copies of statements
and/or Legal Communications, we may resume sending them at any time, for any reason,
including, but not limited to, we believe that you are not receiving notices that an
electronic statement is available in your online banking service or we believe that a
change in equipment or software required for electronic statement delivery creates a risk
that you may not be able to receive, view, or print your statement.
Joint Account: Any holder of an eligible account may enroll in or terminate enrollment
in electronic statement delivery (if more than one owner of an account has online banking
service, then statement delivery will be determined by the last instruction received from
any of the owners). All joint accountholders will be bound by the enrollment or
termination of enrollment.
Electronic Mail
If you send Carrollton Bank an electronic mail message (e-mail), Carrollton Bank will be
deemed to have received it on the following business day. Carrollton Bank will have a
reasonable time to act on your e-mail.
You should not rely on e-mail if you need to communicate with Carrollton Bank
immediately - for example, if you need to report an unauthorized transaction from one of
your accounts or if you need to stop a payment that is scheduled to occur.
You agree that Carrollton Bank may respond to you by e-mail with regard to any matter
related to Online Banking, including responding to any claim of unauthorized electronic
funds transfer that you make. Any such e-mail sent to you by Carrollton Bank shall be
considered received within three (3) days of the date sent by Carrollton Bank, regardless
of whether or not you sign on to the Service within that time frame.
Alerts
The Service allows you to set up alerts based on various events. Carrollton Bank may
add or remove various types of alerts from time to time. You understand that alerts may
be delayed or prevented for various reasons. We do not guarantee delivery of any alert
and are not responsible for any actions taken or not taken by you based on receipt or non-
receipt of an alert.
Other agreements
In addition to this Agreement, you and Carrollton Bank agree to be bound by and comply
with the requirements of the agreements applicable to each of your Carrollton Bank
Accounts. Your use of the Online Banking service or the Bill Payment and Presentment
service is your acknowledgment that you have received these agreements and intend to be
bound by them. You should review other disclosures received by you when you open
your accounts at Carrollton Bank including the charges that may be imposed for
electronic funds transfers or the right to make transfers listed in the fee schedules
accompanying those disclosures. We will automatically deduct the fees (if any) related to
your Online Banking from your Bill Payment Account each month.
Hours of Operation
Online Banking is available 24 hours a day, seven days a week, except during special
maintenance periods. For purposes of transactions, Carrollton Bank's business days are
Monday through Friday, excluding holidays. All Online Banking transaction requests
received after 8:00 p.m. on business days and all transactions which are requested on
Saturdays, Sundays or holidays (on which Carrollton Bank chooses to remain closed),
will be processed on the next business day. Carrollton Bank's business day begins at 9:00
a.m.
Modifications to this Agreement
Carrollton Bank may modify the terms and conditions applicable to Online Banking
and/or Bill Payment and Presentment Service from time to time. These modifications
will be delivered to you by mail (at the address currently shown in our records) or
delivered via e-mail (at the e-mail address you have entered in your online service). The
revised terms and conditions shall be effective at the earliest date allowed by applicable
law. Any notice we send to you via e-mail will be deemed as received three days after it
is sent. We reserve the right to terminate this Agreement and your use of Online Banking
and/or Bill Payment and Presentment in whole or in part at any time without prior notice.
Errors and questions
In case of errors or questions regarding an Online Banking transaction call Carrollton
Bank at 1 (800) 222-6566, extension 7340, 24 hours a day, 7 days a week. In case of
error or questions regarding Bill Payment and Presentment transactions, call the number
provided on your Bill Payment and Presentment service under “Support”, 24 hours a day,
7 days a week or write us at:
Carrollton Bank
Electronic Banking
1740 E Joppa Rd Ste 206
Baltimore, MD 21234-3633
We must hear from you at the specified telephone number or address no later than 60
days after we issue you the FIRST statement on which the problem or error appeared. We
will need:
1. Your name and account number (if any)
2. A description of the error or the transfer in question and an explanation
concerning why you believe it is an error or need more information
3. The dollar amounts of the suspected error and date on which it occurred.
If the report is made orally, we may require that you send the complaint or question in
writing within 10 business days. We will notify you with the results of the investigation
within 10 business days and will correct any error promptly. If more time is needed,
however, we may take up to 45 days to investigate a complaint or question. If this occurs,
we will credit your account within 10 business days for the amount you think is in error.
This will allow you to use the money during the time it takes us to complete our
investigation. If your complaint or question is not received in writing within 10 business
days, we may not credit your account until the investigation is completed.
If an alleged error involves an electronic fund transfer outside a state or territory or
possession of the United States, the applicable time periods for action by us are 20
business days (instead of 10) and 90 calendar days (instead of 45).
If we determine that no error occurred, we will send you a written explanation within
three business days after the investigation has been completed. You may request copies
of the documents that were used in the investigation.
You agree that Carrollton Bank may respond to you by e-mail with regard to any claim of
unauthorized electronic fund transfer related to the Service. Any such electronic mail sent
to you by Carrollton Bank shall be considered received within three (3) days of the date
sent by Carrollton Bank, regardless of whether or not you sign on to the Service within
that time frame.
Our liability for failure to make a transfer
If we do not properly 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 the amount of
any losses or damages incurred by you and resulting directly from such failure. We will
not be liable in the following instances:
1. If through no fault of Carrollton Bank, you do not have enough money in your
account to make the transfer.
2. If circumstances beyond our control (such as fire, flood, power outage, equipment
or technical failure or breakdown) prevents the transfer, despite reasonable
precautions that we have taken.
3. If there is a hold on your account, or if access to your account is blocked, in
accordance with banking policy.
4. If your funds are, subject to legal process or other encumbrance restricting the
transfer.
5. If your transfer authorization terminates by operation of law.
6. If you believe someone has accessed your accounts without your permission and
you fail to notify Carrollton Bank immediately.
7. If you have not properly followed the scheduling instructions on how to make a
transfer included in this Agreement.
8. If we have received incomplete or inaccurate information from you or a third
party involving the account or transfer.
9. If we have a reasonable basis for believing that unauthorized use of your
Password or account has occurred or may be occurring or if you default under this
Agreement, the deposit account agreement, a credit agreement or any other
agreement with us, or if we or you terminate this Agreement.
In the specific instances named above and certain other exceptions stated
elsewhere in this agreement and in other agreements with you we will not be
liable for failing to make a transfer.
If any of the circumstances listed in subparagraph 2 or 8 above shall occur, we
shall assist you with reasonable efforts in taking appropriate corrective action to
reprocess the transaction that may not have been completed or to correct incorrect
transactions that have been processed.
Disclosure of information to third parties
We will disclose information to third parties about your account or the transfers you
make:
1. when it is necessary to complete the 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 or court orders, or other reporting
requirements. Or,
4. if you give us your written permission. Or,
5. to Carrollton Bank affiliated companies.
Information concerning your account history with Carrollton Bank will be shared within
the organization. Other information, including information you have given us as part of
an application for one of our products or services, or information we have received from
a credit bureau or other third party, also may be shared among affiliated companies
within the Carrollton Bank organization. You may direct that information other than your
Carrollton Bank account history not be shared with Carrollton Bank affiliates by e-
mailing us at responsecenter@carrolltonbank.com or calling us at 1-800-222-6566.
Inactivity; Termination
You are responsible for complying with all the terms of this Agreement and with the
terms of the agreement governing the deposit and/or loan accounts which you access
using Online Banking. We can terminate your Online Banking privileges (including the
Bill Payment and Presentment service) under this Agreement without notice to you if you
do not pay any fee required by this Agreement when due or if you do not comply with the
agreement governing your deposit and/or loan accounts or your accounts are not
maintained in good standing. We will promptly notify you if we terminate this
Agreement or your use of the services for any other reason.
If you are not paying a monthly service charge for the Online Banking and/or Bill
Payment and Presentment, we may convert your account to inactive status if you do not
log into Online Banking and/or Bill Payment and Presentment or have any transaction
scheduled through Online Banking and/or Bill Payment and Presentment during any
consecutive 90 day period. If your account is inactive for 90 days and we close your
Online Banking service, you may need to register again for the Service.
To cancel your Online Banking and/or Bill Payment and Presentment service, you must
notify Carrollton Bank and provide your name; address; whether you are discontinuing
Online Banking, Bill Payment and Presentment or both; and the effective date to stop the
service. When Bill Payment and Presentment is terminated, any prescheduled Bill
Payments and Presentments will also be terminated. Your final charge (if any) for the Bill
Payment and Presentment service will be assessed after termination. You may notify
Carrollton Bank to close your Online Banking and/or Bill Payment and Presentment
service by one of the following methods:
1. By sending an e-mail to responsecenter@carrolltonbank.com
2. By calling 1-800-222-6566, extension 7340, 24 hours a day, 7 days a week
3. By writing a letter and either sending it to the following address or giving it to a
Carrollton Bank Associate at any branch location:
Carrollton Bank
Electronic Banking
1740 E Joppa Rd Ste 206
Baltimore, MD 21234-3633
Governing Law
This Agreement is governed by the laws of the State of Maryland and applicable federal
law.
Fee schedule
Carrollton Bank offers the benefits and convenience of Online Banking to you free.
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