Mobiliti Terms

Terms and Conditions: Wayne Bank

Thank you for using Wayne Bank Mobile Banking combined with your handheld’s text messaging capabilities. Message & Data rates may apply. For help, text “HELP” to 96924. To cancel, text “STOP” to 96924 at any time. In case of questions please contact customer service at 800-598-5002 or visit www.waynebank.com.

Wayne Bank Privacy Policy

Terms and Conditions

Program: Wayne Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user’s banking relationship as well as providing a mobile phone number. The mobile phone number’s verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at 800-598-5002, or send a text message with the word “HELP” to this number: 96924. We can answer any questions you have about the program.

To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says “STOP” to this number: 96924. You’ll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless

Mobile Banking may not be available at any time for any reason outside of the reasonable control of Wayne Bank or any service provider.

Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Wayne Bank and its affiliates and service providers, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking (collectively “User Information”). Wayne Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted or required by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Wayne Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use. You agree not to use Mobile Banking in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by {name of Financial Institution} (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of {name of Financial Institution} or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose {name of Financial Institution}, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner the provision of Mobile Banking, the security of Mobile Banking, or other customers of Mobile Banking; or (d) otherwise abuse Mobile Banking.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legal notices_maps.html, or other URLs as may be updated by Google.

Mobile Remote Deposit Capture Terms and Conditions

These terms and conditions are in addition to Wayne Bank’s (“the Bank”) Privacy Policy, Terms of Use/Electronic Banking Services Agreement, Terms and Conditions of Your Account, Truth in Savings Disclosure, Electronic Funds Transfer Disclosure and any other applicable terms and/or disclosures. If there is an inconsistency with the Mobile Remote Deposit Capture Terms and Conditions and any other terms and conditions or disclosure these Mobile Remote Deposit Capture Terms and Conditions shall prevail.

Description of Service: Mobile Remote Deposit Capture provides you (the “depositor”) the ability to take a picture of the front and back of an original paper check and submit the images electronically for deposit to eligible account(s) using a compatible handheld device. This service is provided through Wayne Bank’s downloadable application (“app”). The software is designed using the Check Clearing for the 21st Century Act (Check 21) and its related regulations. Every image submitted for deposit is reviewed electronically for image quality at the point of capture. Once submitted, images are reviewed again by Wayne Bank. If the captured image does not pass image quality review at either point, the deposit will not be processed. Depositor must review the deposit history to ensure the credit was processed for the deposit. Credit to the designated account may take up to two (2) business days to process.

Requirements for the use of Mobile Remote Deposit Capture (“Mobile Capture”) service:

  • To access the Mobile Capture service, depositor must have or acquire and maintain a compatible handheld device, necessary software (app) and hardware (camera), and a wireless plan from a compatible wireless carrier.
  • The depositor must request access and qualify for service and Wayne Bank must approve use of Mobile Capture.
  • Depositor may submit images for deposit to Wayne Bank within the Bank’s established dollar limits (deposit limits). Wayne Bank reserves the right to limit the dollar amount and frequency of deposits submitted through Mobile Capture. If depositor exceeds the dollar limit or frequency established, the Bank may in its sole discretion accept or refuse the check image for deposit. If at any time Wayne Bank accepts a deposit that exceeds the established limits, the Bank has no obligation to do so in the future. Wayne Bank may raise or lower deposit limits at any time, without prior notification.
  • Depositor is responsible for maintaining the security and confidentiality of your mobile device(s), access ID(s), password(s), security questions and answers, account number(s), and any other security or access information used by you to access Mobile Capture. Depositor agrees to prevent unauthorized access or use of the information, files or data that is stored, transmitted, or in use with Mobile Capture. This includes supplying access information to another party. You agree to immediately notify the bank if you become aware of any loss, theft, or unauthorized use of security or access information including mobile devices.

Eligible and Ineligible Items:

Eligible Items

  • Original paper checks not altered
  • Checks drawn on U.S. financial institutions payable in U.S. dollars
  • Checks payable to one or multiple parties deposited to an account with the same name(s)
  • Bank checks (money orders, travelers checks, official checks, cashier’s checks)

Ineligible Items include but are not limited to:

  • Foreign items (drawn on institution outside the U.S.)
  • Savings bonds
  • Bond coupons
  • Checks payable to a third party
  • Altered items
  • Redeposit checks (items previously returned)
  • Illegible items
  • Items with unreadable magnetic ink (MICR)
  • Items previously converted to a substitute check as defined by Availability of Funds and Collections of Checks (Regulation CC)
  • Remotely created checks as defined by Regulation CC
  • Fraudulent items

The depositor and the Bank agree to mutually comply with and be bound by the following without exception: The Check Clearing for the 21st Century Act (Check 21) as implemented under Federal Reserve Regulation CC; ANSI X9.37 standards for image quality; the Board of Governors of the Federal Reserve Board; or any other regulatory agency, clearing house, or association and, as applicable, all other Federal, State or local laws and regulations. The depositor acknowledges and agrees that even if Wayne Bank does not identify an image as ineligible, the image may still be returned to Wayne Bank because, among other reasons, the image is deemed ineligible by the financial institution upon which the check is drawn or any other collecting financial institution. If a deposit accepted by Mobile Capture is not eligible or is changed a notice will be mailed or delivered to the Depositor.

Funds Availability & Regulation CC: Submitting a check image does not constitute receipt of the deposit. Generally, deposits are credited within two (2) business days. It is the depositor’s responsibility to verify receipt of deposit. Deposits submitted on a bank holiday will not be processed until the next business day. Depositor may verify receipt of deposit by reviewing the account statement, by calling customer service at 800-598-5002, or by viewing the account online at waynebank.com. Wayne Bank reserves the right to delay availability of deposited funds in accordance with Regulation CC. If the bank delays availability the depositor will be notified in writing or by electronic means. For any return of a deposited check image, a substitute check and notification will be mailed or delivered to the depositor within two (2) business days of receipt by the Bank.

Depositor warranties and indemnities:

  • Depositor will indemnify, defend, and hold Wayne Bank and its agents from and against all liability, damage or loss arising from any claims, suits, or demands brought by third parties with respect to any check image, substitute check, or original paper check processed through Mobile Capture.
  • The systems and procedures established for providing this service are declared by the depositor to be commercially reasonable and the depositor will defend, indemnify and hold Wayne Bank harmless from and against all liability, damage, and loss arising out of any claims, suits or demands brought by third parties with respect to any substitute checks including, without limitation, those arising out of bank’s keying errors on reject items.
  • Depositor shall not alter any original paper check or check image and agree to review the image to ensure it accurately represents all of the information on the front and back of the original paper check at the time the image is submitted for deposit.
  • Depositor agrees to submit only images that are suitable for processing including, but not limited to, legible items and contain MICR data.
  • Depositor agrees to destroy every original check deposited through Mobile Capture within thirty (30) calendar days of receiving the deposit receipt to the designated account. During this period the original check must be presented to the bank if requested. Prior to destruction, depositor agrees to store the original check in a secure location. The depositor is responsible if an original check is misused following submission of a deposit via Mobile Capture.
  • The Depositor has established adequate internal controls to ensure duplicate files and/or checks are not retransmitted to the Bank and the original paper check will not be re-deposited.
  • Depositor shall not deposit into an account with Wayne Bank or any other financial institution, or otherwise negotiate or transfer to anyone any check (image or paper) that has been previously processed for deposit.
  • Each check image presented for deposit is directly payable to or has been lawfully transferred by endorsement to the Depositor. Signature(s) on each check image are authentic and authorized.
  • Each check image is free from alteration, is properly endorsed by depositor for deposit to the designated account with the same name(s) prior to image capture and the endorsement shall include the words “For Mobile Deposit Only” and depositor’s name(s).
  • Use of Mobile Capture service is for depositor’s own personal, or small business, use in accordance with the terms of this agreement. Depositor shall not make Mobile Capture available or transfer rights to use the Mobile Capture service for the benefit of any third party.
  • Depositor agrees to immediately notify the bank of any errors regarding items deposited through the service, or no later than thirty (30) calendar days after receipt of the account statement containing the error.
  • Depositor will not violate the sanctions enforced by the Office of Foreign Assets Control (OFAC) and will not act at any time on behalf of any party subject to such sanctions.
  • Depositor guarantees that neither the bank nor its facilities are being used by depositor as a conduit to launder money or for any other illicit purposes.

Wayne Bank may at any time, without prior notice, deny access to you, suspend, or discontinue your Mobile Capture capabilities. Wayne Bank also reserves the right to change, at any time without notice, the list of compatible devices, hardware and software requirements, wireless plans or compatible wireless carriers.

An accountholder (referred to as depositor throughout this agreement) is defined as any party associated with or permitted to transact on an account as designated on the signature card. This may include, but is not limited to, individuals, sole proprietors, authorized agents, and officers or members for non-consumer accounts. The accountholder (depositor) is responsible for any deposit processed to their account, even if the deposit is not made by the accountholder.

Payment for services: All fees and charges related to any account accessed with the Mobile Capture service as stated in the applicable service fee schedule for the account(s) will remain in effect when using the Mobile Capture service. The service fees and charges, if any, for the use of the Mobile Capture service are found in the applicable fee schedule. Wayne Bank may at its sole discretion make changes to any related charges or fees by notifying the depositor thirty (30) calendar days prior to the effective date of the change.

DISCLAIMER OF WARRANTIES: DEPOSITOR AGREES USE OF THE MOBILE REMOTE DEPOSIT CAPTURE SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT DEPOSITORS RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WAYNE BANK DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WAYNE BANK MAKES NO PROMISES OR WARRANTIES AND WILL NOT BE RESPONSIBLE FOR ANY FAILURE OR DAMAGE RELATING TO OR CAUSED BY DEPOSITOR’S USE OF A HANDHELD DEVICE, WIRELESS PLAN, OR ANY SOFTWARE OR HARDWARE RELATING TO THE SAME. WAYNE BANK MAKES NO WARRANTY THAT THE MOBILE REMOTE DEPOSIT CAPTURE SERVICE (i) WILL MEET DEPOSITORS REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE, (iii) THAT THE RESULTS OBTAINED FROM THE MOBILE REMOTE DEPOSIT CAPTURE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) THAT ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. IN NO EVENT WILL WAYNE BANK BE LIABLE FOR ANY CONSEQUENTIAL, INCIDENTAL, OR INDIRECT DAMAGE ARISING OUT OF THE USE, MISUSE OR INABILITY TO USE THE MOBILE REMOTE DEPOSIT CAPTURE SERVICE OR FOR ANY LOSS OF DATA, EVEN IF WAYNE BANK HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

Touch ID™ for Mobile Banking.

Touch ID is an optional fingerprint sign-in method for Wayne_Bank Mobile Banking that is currently available for most Apple® devices that have a fingerprint scanner. To use Touch ID, you will need to save your fingerprint by going to “Settings > Touch ID & Passcode” on your Apple device to complete the setup (for more help with fingerprint scanning, contact Apple support at apple.com/support). Fingerprints are stored on your device only and Wayne_Bank never sees or stores your fingerprint information. You acknowledge that by enabling Touch ID, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Wayne_Bank Mobile Banking. Wayne_Bank reserves the right to suspend or disable this feature at any time. Touch ID can only be associated with one Mobile Banking username at a time on a device. If your device doesn’t recognize your fingerprint, you can sign in using your password. To use Touch ID for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Touch ID anytime from the Services menu within Wayne_Bank Mobile Banking.

Apple and Touch ID are trademarks of Apple Inc. Currently, fingerprint sign-in for Wayne_Bank Mobile Banking is only available on compatible iOS devices.

Card Controls Additional Terms.

The following supplemental Terms of Use (“Supplement”) applies to the card controls feature (“Card Controls”) within the Mobile Banking mobile application (“Mobile Banking App”), notwithstanding anything in the Agreement to the contrary. The Supplement only applies to Card Controls. If Card Controls are not available to you, then this Supplement does not apply. To the extent there is any conflict between the terms of the Agreement and this Supplement with respect to Card Controls, then the terms in this Supplement shall apply.

  1. The Card Controls feature is only available for debit cards issued by Wayne_Bank that you register within the Mobile Banking App.
  2. The Card Controls alerts and controls you set through use of the Mobile Banking App may continue to apply, even if you delete the Mobile Banking App or remove it from your mobile device. Please contact Wayne_Bank to discontinue the alerts and controls.
  3. Certain Card Control functionality within the Mobile Banking App may not be available for all transactions. Controls and alerts based on the location of the mobile device where the Mobile Banking App is installed or the location of the merchant where the card is being attempted for use may not apply appropriately to card-not-present transactions or transactions where the actual location of the merchant differs from the merchant’s registered address.
  4. Card Controls may enable access to Wayne_Bank and third parties’ services and web sites, including GPS locator websites, such as Google’s. Use of such services may require Internet access and that you accept additional terms and conditions applicable thereto.
  5. To the extent this Mobile Banking App allows you to access third party services, Wayne_Bank, and those third parties, as applicable, reserve the right to change, suspend, remove, or disable access to any of those services at any time without notice. In no event will we be liable for the removal of or disabling of access to any such services. We may also impose limits on the use of or access to certain services, in any case and without notice or liability.
  6. THE MOBILE BANKING APP, THE SERVICES 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 TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. IN PARTICULAR, WE DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ANY PART OF OUR SERVICE, AND OPERATION OF THE MOBILE BANKING APP OR THE SERVICES MAY BE INTERFERED WITH BY NUMEROUS FACTORS OUTSIDE OF OUR CONTROL. SOME STATES DO NOT ALLOW THE DISCLAIMER OF CERTAIN IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMERS MAY NOT APPLY TO YOU TO THE EXTENT THEY ARE PROHIBITED BY STATE LAW.
  7. Limitation of Liability. YOU ACKNOWLEDGE AND AGREE THAT FROM TIME TO TIME, THE MOBILE BANKING APP AND THE SERVICES MAY BE DELAYED, INTERRUPTED OR DISRUPTED FOR AN INDETERMINATE AMOUNT OF TIME DUE TO CIRCUMSTANCES BEYOND OUR REASONABLE CONTROL, INCLUDING BUT NOT LIMITED TO ANY INTERRUPTION, DISRUPTION OR FAILURE IN THE PROVISION OF THE SERVICES, WHETHER CAUSED BY STRIKES, POWER FAILURES, EQUIPMENT MALFUNCTIONS, INTERNET DISRUPTION OR OTHER REASONS. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY CLAIM ARISING FROM OR RELATED TO THE SERVICES THAT IS CAUSED BY OR ARISES OUT OF ANY SUCH DELAY, INTERRUPTION, DISRUPTION OR SIMILAR FAILURE. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE, BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES, OR LOSS OF GOODWILL OR LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE MOBILE BANKING APP, OR THE SERVICES, OR THE WEBSITES THROUGH WHICH THE MOBILE BANKING APP OR THE SERVICE OFFERED, EVEN IF SUCH DAMAGES WERE REASONABLY FORESEEABLE AND NOTICE WAS GIVEN REGARDING THEM. IN NO EVENT SHALL WE OR OUR AFFILIATES OR LICENSORS OR CONTRACTORS OR THE EMPLOYEES OR CONTRACTORS OF ANY OF THESE BE LIABLE FOR ANY CLAIM, ARISING FROM OR RELATED TO THE MOBILE BANKING APP, THE SERVICES OR THE WEBSITE THROUGH WHICH THE APP OR THE SERVICES IS OFFERED, THAT YOU DO NOT STATE IN WRITING IN A COMPLAINT FILED IN A COURT OR ARBITRATION PROCEEDING WITHIN TWO (2) YEARS OF THE DATE THAT THE EVENT GIVING RISE TO THE CLAIM OCCURRED. THESE LIMITATIONS WILL APPLY TO ALL CAUSES OF ACTION, WHETHER ARISING FROM BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY. OUR AGGREGATE LIABILITY, AND THE AGGREGATE LIABILITY OF OUR AFFILIATES AND LICENSORS AND CONTRACTORS AND THE EMPLOYEES AND CONTRACTORS OF EACH OF THESE, TO YOU AND ANY THIRD PARTY FOR ANY AND ALL CLAIMS OR OBLIGATIONS RELATING TO THIS AGREEMENT SHALL BE LIMITED TO DIRECT OUT OF POCKET DAMAGES UP TO A MAXIMUM OF $500 (FIVE HUNDRED DOLLARS). SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.
  8. Unless our account agreement with you states otherwise, this Agreement shall be governed by and construed in accordance with the laws of the State in which you reside, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

Wayne_Bank Alerts Terms and Conditions

The following Alerts terms and conditions (“Alerts Terms of Use”) only apply to the Alerts feature (as defined below). If Alerts are not available to you, then this Alerts Terms of Use does not apply. To the extent there is any conflict between the terms of the Agreement and this Alerts Terms of Use with respect to Alerts, then the terms in this Alerts Terms of Use shall apply.

Alerts. Your enrollment in Wayne_Bank Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your Wayne_Bank account(s). Alerts are provided within the following categories:

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
  • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the More menu within Wayne_Bank Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts through your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. Wayne_Bank reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery. We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message; (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Wayne_Bank Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device’s number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop Alerts via text message, text “STOP” to 96924 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in Wayne_Bank Online Banking and click the box next to your mobile number for the Alerts you’d like to receive again. For help with SMS text alerts, text “HELP” to 96924. In case of questions please contact customer service at 800-598-5002. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. Wayne_Bank provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Wayne_Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Wayne_Bank, its directors, officers, employees, agents and service providers liable for losses or damages, including attorneys’ fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages.

https://www.norwoodfc.com/index.php/disclosures/2-uncategorised/84-privacy-policy

Privacy and User Information – Data Analytics. You acknowledge that in connection with your use of Mobile Banking, Wayne_Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive data about your usage of the service (such as session length, number of transactions and geolocation), and other data and information provided by you or from other sources in connection with Mobile Banking or the Software. Wayne_Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking, perform analytics to improve the service, and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.

Fingerprint Login for Mobile Banking

Fingerprint Login is an optional fingerprint sign-in method for Wayne_Bank Mobile Banking that may be available for certain Android® mobile devices that have a built-in fingerprint scanner. To use Fingerprint Login, you will need to first save your fingerprint on your mobile device (for more help with fingerprint scanning, contact the manufacturer that supports your mobile device). Fingerprints are stored on your device only and Wayne_Bank never sees or stores your fingerprint information. You acknowledge that by enabling Fingerprint Login, you will allow anyone who has a fingerprint stored on your device access to your personal and payment account information within Wayne_Bank Mobile Banking. Wayne_Bank reserves the right to suspend or disable this feature at any time. Fingerprint Login can only be associated with one Mobile Banking username at a time on a device. If your device does not recognize your fingerprint, you can sign in using your standard login credentials (e.g. password). To use Fingerprint Login for Mobile Banking on multiple devices, you will need to set it up for each device. You can enable or disable Fingerprint Login anytime within Wayne_Bank Mobile Banking.

Android is a trademark of Google Inc.