You can use your virtual card with your digital wallet to conveniently make purchases, just like with your physical credit cards. The COVID-19 pandemic led to many digital services becoming more robust, and mobile banking alerts are one advantage of these developments. background-color: #707070 !important;
When scheduling a Transfer Instruction or Payment Instruction, the selected processing date must be within the next 365 calendar days. For all purposes hereof, you hereby grant M&T and its service providers a limited power of attorney, and you hereby appoint them as your true and lawful power of attorney-in-fact and agent, with full power of substitution and re-substitution, in any and all capacities, to access third party sites to retrieve information, and subject to the M&T Digital Privacy Notice and applicable law, use such information, as described herein, with the full power and authority to do and perform each and every act and thing required and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. .cc-table-desktop tbody tr:nth-of-type(odd) td {
You should consider a fund's investment objectives, risks, charges and expenses carefully before you invest. For this reason, you should consider password protecting your Mobile Device and/or taking additional security precautions with your phone. Also, if any Access Code is stolen or otherwise compromised, then ALL of the Combined Access Accounts are vulnerable to theft and unauthorized access, including loss of all funds contained in or available through each Combined Access Account. If these PFM Software Directions are in any way unclear, you should contact the manufacturer of your PFM Software for clarification. Checks or items dated more than 6 months prior to the date of deposit. Business Customer and Business Customer's owners agree to notify M&T Bank as provided in this Agreement of any change of owners of equity interests in the Business and of any Administrator change. Disclaimer of Warranties and Limitation of Liability. Changes to MDS. You are licensing to M&T and its service providers any information, data, passwords, usernames, PINs, personally identifiable information or other content you provide through M&T Money Smart. You agree that you will not use Online and Mobile Bill Pay to make payments: (i) to payees located outside the United States; (ii) to taxing authorities or other governmental entities; (iii) required under court order (e.g., child support); or (iv) in connection with any unlawful activity or purpose. If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. Anytime, as described above, you enroll in the Statements and Notices service (and/or adjust the Eligible Account(s) for which you will be receiving Electronic Documents from us electronically or in paper form), you hereby confirm that you, (i) have Equipment and Software necessary to allow you to receive electronically, view, print and/or save the Electronic Documents, including Software that permits you to receive, access and retain "PDF" files (for necessary Equipment and Software, see Section A6 ); (ii) have a valid email address at which to receive your Electronic Documents and/or notice that your Electronic Documents are available for you at the Website; and (iii) agree to discontinue receipt of checks or printed images of canceled checks, if, prior to agreeing to receive your statements electronically, you received checks or printed images of canceled checks with your account statement. text-align: center;
Be careful about overdraft and insufficient funds (NSF) fees. Learn more about the additional details we will need for any Beneficial Owners by clicking. In Case of Errors or Questions About your Electronic Transfers Telephone us at: M&T Bank, P.O. These ads are based on your specific account relationships with us. Weve maintained this reputation for over four decades by demystifying the financial decision-making You may reject changes by discontinuing use of DCS. Relationship-based ads and online behavioral advertising help us do that. Subsequent Administrators may be designated by an individual authorized to transact business on Customer's behalf, including by any authorized signer on an Eligible Account. (This liability is in addition to the payment guarantee for bill payments). In order to re-link or mark as open any non-M&T accounts you previously designated as closed, you will need to reconnect them in each service. You acknowledge that availability of the Electronic Document on the Website or delivery of the notice will constitute delivery of the Electronic Document whether or not you view or print such Electronic Document. 2022 Bank of America Corporation. Nothing in this section should be construed as requiring M&T to accept any check or item for deposit, even if M&T has accepted that type of check or item previously. Customer has the sole responsibility for maintaining the security at Customer's website, within Customer's organization, and of the Access Codes and similar elements of security procedures. We will take reasonable steps to act on your cancellation requests, but we shall not be responsible if we are unable to cancel a Transfer Instruction because we did not have sufficient time to act on the cancellation request. }
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Once the withdrawal has been made from the specified account on a Withdrawal Date, it will not be possible to stop that payment from being made. .cc-fullview-table .fit-table tbody tr:nth-of-type(even) td a{
Box listed in the Customer Service Section N8 in time for us to receive the request at least three (3) Business Days before the next Withdrawal Date. You further acknowledge and agree: Receiving Money; Money Transfers by Network Banks. You agree to safeguard and keep the original item for at least two business days or until your mobile check deposit has posted (whichever is longer). So, if you are a nonprofit that exceeds 100 monthly transactions regularly, consider Bank of America or Truist instead. We may request such supporting documentation, as we deem necessary. There are limits on the amount of money you can send using Zelle. Please note that the last 4 digits of your virtual card will be different than the last 4 digits of your physical card (something to keep in mind if you need to return an item purchased with your virtual card; the receipt for that purchase should display the last 4 digits of your virtual card). The authority of an Authorized User will terminate: (i) when we are notified to terminate that authority as outlined above; (ii) in the case of sole-proprietor Business Accounts, upon our receiving written notice of the death or incapacity of the owner of the Eligible Account from a court of competent jurisdiction or from a source that we consider official and reliable; or (iii) at our sole discretion if the Administrator, Customer, the owner of the Eligible Account or Authorized User breaches any provision of this Agreement. Further, we reserve the right to cancel the M&T Online and Mobile Bill Pay service, the Bank to Bank Transfers service and the Mobile Deposit service without notice if you do not schedule or process a payment, transfer or deposit, respectively, for any three- (3-) month period. We and other financial institutions processing your funds transfers have no responsibility to identify or investigate any discrepancy between names and account numbers. Microsoft and Microsoft Excel are either registered trademarks or trademarks of Microsoft Corporation in the United States and/or other countries. Contact in the event of unauthorized transfer: If you believe that your Access Codes have been lost or stolen or that someone has made payments, transferred, or may transfer money from your Personal Deposit Account without your permission, notify us at ONCE by: Writing us at: M&T Bank, P.O. if you do not have a deposit account with M&T, the agreement governing the Eligible Account involved in the dispute that was opened or originated first in time. }
The encrypted information stored in the microchip embedded in your card or the magnetic stripe on your card is used to authenticate, authorize and process credit card transactions. Please see Section A2 for more information. An M&T ATM Card for Business with the Balance Inquiry Option cannot be used to enroll in Digital Services. For fee information, please refer to Section N of this Agreement for the Digital Services Fee Schedule. You will not transmit an image or images of the same check or item to us more than once and will not deposit or negotiate, or seek to deposit or negotiate, such check or item with any other party. If a solid community relationship is more important to you than having a large bank network, a local bank or credit union is the best option. }
Please refer to the Deposit Agreement and Disclosures for more details. Your obligations under this section survive termination of this Agreement. You acknowledge and agree that delivery of an alert may be delayed, misdirected or prevented by a variety of factors, including factors outside our control (e.g., unavailability of mobile or email service, settings such as "do not disturb" times) and our technical and administrative processes (e.g., for system maintenance and processing customer Instructions). Therefore, either the Administrator or another Authorized User must reschedule any of those payments that should be made. We may change the limitations set forth herein at any time by posting new limits on the Website. If you disconnect an institution in Bank to Bank Transfers, the non-M&T account(s) will be removed from M&T Money Smart. /* SCROLLING STYLES */
M&T may retain one or more independent services providers (service providers) to provide M&T Money Smart or any portion of M&T Money Smart. M&T may require you to complete and submit additional agreements or documentation to enroll in certain Digital Services. We are authorized to obtain payment by charging Customer's Billing Account, or if none is designated or funds in a Billing Account are insufficient, any other account Customer has with M&T (but not if such other account is a trust or other fiduciary account for which Customer serves as a fiduciary, individual retirement account, other tax-deferred retirement account or other account that receives special tax treatment). Contact M&T as soon as you can if you think that your statement is wrong or if you need more information about a transfer listed on the statement. This includes both monthly fees and fees incurred for transactions and cash deposits. Depending on the bank, these alerts can come in the form of an email, text message or push notification or all three. You agree not to copy, disassemble, decompile, or otherwise reverse engineer any part of MDS, including the App. General Risks and Certification of Controls: In certain cases, an Administrator may be able to add his or her Personal Accounts , or other business accounts for which he or she is an authorized signer, to the Online Banking for Business profile. min-width: 90px;
We and Zelle may also monitor such Content to detect and prevent fraudulent activity or violations of the terms and conditions. Refined sugar, as proven by science, has devastating effects on the human body and general health. There are three parts that make up a grain - the bran, the germ and the endosperm. Although M&T does not include information such as full account numbers or Social Security numbers in these communications, you acknowledge that there is a risk of unauthorized access associated with these messages and alerts because the email is not private or secure. If you mark a non-M&T account as closed in M&T Money Smart, upon your next time accessing Bank to Bank Transfers, your non-M&T account(s) will appear as unlinked and any previously scheduled transfers, including recurring transfers, will be cancelled. Additionally, in our Heard at Goldman Sachs series, we offer our take on stories from around Goldman Sachs that can show you how top-level views can impact your life. All fees noted here are in addition to any fees outlined in the account agreements for your Eligible Accounts. We and Zelle are not responsible for, and assume no liability, for any Content, including any loss or damage to any of your Content. By signing up to receive statements and notices online, you acknowledge and agree as follows: This M&T Digital Services Agreement (the "Agreement") governs, as applicable, your use of M&T's Digital Services, which include M&T Online Banking, M&T Online Banking for Business, M&T Online and Mobile Bill Pay (a component of M&T Online Banking), M&T Mobile Banking, M&T Mobile Banking for Business, M&T Mobile Deposit Service, and other online and mobile-based financial services functions which are now available or may be available sometime in the future (collectively, the "Digital Services"). Use of M&T Mobile Banking is subject to the directions, limitations and requirements described in Guides. /* --- FULLVIEW TABLE STYLES --- */
You can learn more about Balance Connect and overdrafts by reviewing these FAQs. While the merger of SunTrust and BB&T to form Truist should be completed, some ATMs may still be branded under one of the former bank names. If you wish to contact us via email regarding DCS or Eligible Accounts, you agree to do so via the secure internal electronic messaging service available through the M&T Online Banking services and not via any messaging feature available through the PFM Software. Your Conduct and Indemnity. This section applies to Personal Accounts that are deposit accounts (referred to in this section as "Personal Deposit Accounts"). Such communications may include, but are not limited to, prerecorded or artificial voice message calls, text messages, and/or calls made by an automatic telephone dialing system. Please refer to Agreement Section M General Provisions for Digital Services. Non-M&T Accounts. Inbound transfers will generally be debited either same day or the next business day and credited to your M&T account within 3 business days. Learn more about setting up custom alerts. Selecting "Yes, confirm" represents your agreement to the terms stated above and will finalize your enrollment into the service. You may unenroll in the Statements and Notices service within Online Banking (described in section 3), or by notifying us via phone or by mail (see Customer Service Section M8). Relationship-based ads and online behavioral advertising help us do that. M&T will notify you via Internal Electronic Messaging, email and/or U.S. mail if your payment does not process on the Withdrawal Date and also if your payment does not process on the second attempt. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, THE ZELLE NETWORK MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SERVICE. For Consumers, disclosure of information about you and your accounts and transactions is governed by M&T's Privacy Notice and M&T's Digital Privacy Notice, as it may be amended from time to time. No. We reserve the right to terminate, modify, add and remove features from MDS at any time in our sole discretion. These estimates are for your convenience only and you must schedule your payments as set forth in this section in order to qualify for the payment guarantee in this Agreement. The biggest drawback for U.S. Bank is its regional availability. We reserve the right to change, suspend or discontinue any or all of M&T Money Smart at any time without prior notice. For some services (e.g., M&T Mobile Banking), after your first login, you may be able to use a fingerprint or other biometric identifier as a Passcode. Matt has more than 10 years of financial experience and more than 20 years of journalism experience. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Large purchase. Alerts help consumers stay aware of their spending habits and account activity, so that they can rest assured knowing they wont miss any suspicious transactions or potential overdrafts. Low balance. In addition, we may (at our discretion) prohibit, restrict or limit your access to M&T Digital Services. Reliance on Instructions. There may be other circumstances when the payment may take longer. Important Notes on Fees: If, in any case, a bill payment that we process is covered with funds from your overdraft protection plan, the terms of that plan, including applicable overdraft transfer fees and/or other fees, will apply. If the person you sent money to has already enrolled with Zelle, either in the Zelle mobile app or with a Network Bank, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked. We provide alerts as a convenience to you for informational purposes only. In addition, financial advisors/Client Managers may continue to use information collected online to provide product and service information in accordance with account agreements. Note, specific services or sub-services under this Agreement may list additional exceptions to our liability for that service context. Changes to DCS. You can earn 25% to 75% bonus rewards on credit cards and get a 5% to 20% higher interest rate on business advantage savings accounts. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. You agree that M&T may, but is not required to, send you certain account messages or alerts to your external email address, texts to your mobile phone number or app notifications. Yes, you can set up an alert that notifies you via email, text message or mobile push that a credit card payment is due, that a charge has been made, that your credit card balance is within a specified amount of your credit limit and much more. You can compare the two accounts to see which is best for your nonprofit business. Please make sure that your Available Balance is sufficient on the Withdrawal Date to accommodate such transaction(s). You do not need to enroll in or activate these Security Alerts. In doing so, you authorize the Bank to transfer funds bi-directionally between the accounts you hold here with the Bank and those that you own at different financial institutions. Internal Disagreement or Vacancy in Administrator Role. This service excludes payments made via M&T Online and Mobile Bill Pay. The first step in the saving process is budgeting. Force Majeure. We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome. .cc-table-desktop span.hyphen {
For Consumers, that account and all other existing and future Eligible Accounts identified with your Social Security number or Taxpayer Identification Number will be automatically available to be accessed through your Digital Services relationship with us. All items received through MDS will be treated as deposits of checks under the applicable deposit account agreement. The Business Customer understands that, if Personal Accounts, Mortgage Accounts, or other business accounts for which the Administrator is an authorized signer are added to M&T Online Banking for Business and/or to other Digital Services intended for the Business Customer (for purposes of this sub-section generically referred to as "M&T Online Banking for Business"), there may be an increased risk of potential loss or Damages, including improper transfers. Any cancellation, termination or refusal, whether or not described above, by us will not affect your liability or obligations under this section for actions we have taken on your behalf, or this Agreement or any other agreements you have with us. The messages or alerts may contain confidential information (for example, that your bill payment was unsuccessful due to insufficient funds). For help or information regarding text messaging, send HELP to MTBANK (682265). Equal Housing Lender. You can access additional services that you are enrolled in, such as M&T Online and Mobile Bill Pay and M&T Mobile Deposit. In the event of the loss, theft, compromise of, or destruction of your Mobile Device which has the M&T Mobile App, you should immediately (i) reset your M&T Online Banking Passcode and (ii) notify your wireless carrier to disable wireless telecommunications service (voice and data) from your lost or stolen Mobile Device. /* COLUMN SIZING and ALIGNMENTS */
In no case shall M&T or any of our service providers be liable for any loss of data, profit, goodwill, or special, punitive, indirect, exemplary or consequential damages of any kind or nature suffered by you arising out of or related to this agreement, the software, the equipment or the digital services whether or not such claim for damages is based on tort or contract or whether we had been advised of the possibility of such damages or should have known of the likelihood of such damages, except as may be explicitly required by the electronic fund transfer act ("efta") and the efta's implementing regulation e or other applicable law. Please include your application ID on the fax cover sheet or in the email subject line.Fax to 800.435.0051Or scan and email to SmallBus.Documents@bankofamerica.com. Bank of America: A standard overdraft fee of $35 per item will apply; a limit of 4 overdrafts per day. Except as otherwise indicated in the Agreement, no third party shall be a beneficiary of this Agreement. You expressly consent to receipt of a text message to confirm your STOP request. Verification codes can be sent to you by email, text message to a mobile phone, or sent as an app notification to an eligible device based on your M&T Online Banking profile contact information. You will immediately notify us if any email address or mobile phone number you have registered is (i) surrendered by you, or (ii) changed by you. .y-axis-3-table tbody tr:nth-of-type(even) td {
If you have a small nonprofit, Chase can also help you with its Business Complete Banking product. Neither we nor the Zelle Network guarantee that you will receive money from other Users by sending a payment request or that you will receive the amount that you request. Only one transfer will be made from each linked backup account to your checking account, even when multiple transactions are covered. If you call, we may require you to confirm your request in writing and transmit it to us within 14 days after the date you called us. In these cases, the money will be returned to the originating account fourteen calendar days after the transfer was initiated. .cc-table-desktop .tbody .tr:nth-of-type(even) .td a,
You agree to update your M&T Online Banking profile if you change your contact information. You may only cancel a payment if the person to whom you sent the money has not yet enrolled in Zelle. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout lifes financial journey. Thanks to no cash deposit or monthly fees with its Community Checking product, Truistis our overall best bank for nonprofits. Non-M&T account information is presented from M&T Money Smart as a suggested connection for Bank to Bank Transfers. .y-axis-3-table .column-6 {
The specific terms and conditions for M&T BizPay are set forth in the addenda for such services, which are incorporated herein and made a part hereof. We have, therefore, provided secure internal electronic messaging forms after you have signed onto the Digital Services platform for you to communicate with us ("Internal Electronic Messaging"). In addition, for Business Accounts, the Administrator will select for each Authorized User, a User ID, and a Passcode. If you are sending money to someone who has not registered as a User with either the Zelle Network or a Network Bank, that person will receive a text or email notification instructing them on how to enroll to receive the money. M&T Bank is a Member FDIC, Equal Housing Lender, and Equal Opportunity Lender. If you are not certain which M&T Bank deposit account(s) you designated as your Designated Settlement Account(s), or if you wish to select additional accounts as Designated Settlement Accounts, contact Wilmington Funds shareholder services at (800) 836-2211. We will disclose information to third parties about your accounts or the transfers you make: That we believe is necessary to document or complete transactions, or, To investigate possible unauthorized transaction(s), or, In order to verify the existence and condition of your Account for a third party, such as a credit bureau, another financial institution or merchant, or, In order to comply with government agency or court orders, or. .y-axis-3-table tr.row-1 th {
100% organic certified beans. Mobile bank alerts, which help customers stay on top of their finances, are one of the advantages unique to mobile banking. However, to the extent that, using the Digital Services, you enter and use Third Party Services, you will be entering a website owned and operated by our third-party service providers, which may have their own privacy statements. font-weight: 700;
If you need a traditional brick-and-mortar checking account and dont reside in one of the states listed above, you might consider Bank of America or Truist. .cc-table-desktop span.hyphen {
The cancellation by you or us will not affect any of your obligations under this Agreement. Neither we nor the Zelle Network assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on behalf of the sender of a request for money. Alerts are designed to be a helpful account management tool but they are not a substitute for other types of information, security and fraud precautions, and account management techniques, including, but not limited to, maintaining a check register, verifying your statements, and being aware of your outstanding payments and available balance. The Z logo may be displayed to other users to aid them in determining which of your U.S. mobile numbers or email addresses should be used to send money with Zelle. For Mortgage Accounts, balance summary and account transaction detail will generally be available when accessed through My Mortgage Info for at least 90 days. Cancellation of Receipt of Text Messages. Types and Limitations on Transfers. Attempts to provide prior notice of scheduled maintenance will be made, but we cannot guarantee that such notice will be provided. Note that checks that have been presented for payment and that are accessible through this service may not actually be, or have been, paid, (e.g., for reasons such as non-sufficient funds in the account or the existence of an outstanding stop payment order concerning the check). The CVV is a security feature of credit cards, and is typically used when you make purchases over the phone or online. border: 1px solid #ddd !important;
Details you'll need to apply online: Name and address of business; Business tax ID number: Business Employer Identification Number (EIN) provided by the IRS in the following 9-digit format XX-XXXXXXX, or, if the LLC is a single member LLC, the EIN of the company or the Social Security Number (SSN) of the single member Date business was established (month/year) Client is solely responsible for the accuracy and completeness of any such Instructions. You will be responsible for all electronic communications, including image transmissions, email and other data (referred to in MDS section as "Communications") entered using the MDS Access Information. Deposit Limits. You may use the M&T Online and Mobile Bill Pay service to make one-time, future-dated, and/or recurring payment transactions from an eligible checking account. Hearst Television participates in various affiliate marketing programs, which means we may get paid commissions on editorially chosen products purchased through our links to retailer sites. Please contact us at the Customer Service Center number provided below in this agreement (Section M8) if you require assistance or have questions. We strive to provide you with information about products and services you might find interesting and useful. ET or on a Saturday, Sunday or federal holiday, we will generally review the Internal Electronic Message on the next Business Day. By using Zelle, you agree and authorize us to initiate credit entries to the bank account you have registered. You acknowledge and agree that, although the primary purpose of alerts is to provide transactional and relationship messages, alerts also may sometimes include some marketing or other content and you agree to receive this marketing and other content. The method of entering Instructions via the PFM Software may also differ from the method of entering Instructions directly through the M&T Online Banking services. .cc-fullview-table .fit-table ul {
Checks or items on which a stop payment order has been issued or for which there are insufficient funds. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence. }. Your Bank of America banking advisor can help guide you to the right account for your needs. .cc-fullview-table .fit-table .column-1 img {
For Personal Accounts, we will make funds available for checks and items received, accepted, and successfully processed through MDS according to our availability disclosure for your Mobile Deposit Account. One easy way to stay on top of potential threats to your accounts including password or username changes is to opt for a profile change alert. (We also offer special types of alerts through My Mortgage Info and the ACH, Wire Transfers, Real-Time Payments Digital Services and Appointment Setting which are not subject to the Alerts Service terms described below.). Once a User initiates a transfer of money to you, using your email address or mobile phone number, registered with Zelle, you have no ability to stop the transfer. Youre asked to contact a phone number that appears to be your banks number. While we adhere to strict This section (also referred to as the Zelle Agreement) sets forth the terms and conditions specific to the Zelle Service offered through M&T Bank (Zelle). Overdraft protection transfers from your credit card are Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. M&T is not responsible for detecting any error in an Instruction provided to M&T by Customer or its Administrator or Authorized Users (including any payment order). This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. You can change your User ID and/or Passcode at any time. We or Zelle may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. You may request money from another User. Security of Your Account Information. When you or anyone you authorize agrees to this Agreement or enrolls in or uses a Digital Service, you agree to the introduction, Preliminary General Provisions, General Provisions for Digital Services, and (as applicable based on the Digital Services in which you enroll in and/or which you use) the Digital Services Fee Schedule within the Agreement as in effect at that time, any addendum to the prior noted sections, as well as those sections of the agreement or addendum that pertain to Digital Services that you are enrolled in or are utilizing. Some transfers may not be processed, timely processed or may need to be frozen if we perceive the transfer may be in violation of United States OFAC sanction programs or other applicable laws. You are permitted to use DCS only as expressly authorized by this section. For fee information, please refer to Section N of this Agreement for the Digital Services Fee Schedule. Checks or items not payable in United States currency. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. For customers who have been enrolled in Zelle for less than or equal to 100 days, the limit is $1,400 within any 24-hour period and the rolling thirty day limit is $3,000. To gain access to the Digital Services, you will need an access passcode ("Passcode"), user identification ("User ID") and other authentication factors that we may require from time to time. To receive statements and notices online, please click Update Delivery Settings in the Accounts menu to complete your enrollment. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF M&T MONEY SMART, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. You also authorize us to request information regarding you and your External Bank Accounts from other third party sources to verify your identity, account ownership, protect against fraud, confirm your pattern of use or exceptional use, comply with applicable law or otherwise as necessary to provide the Bank to Bank Transfers service to you. This information may be used to deliver advertising on our Sites and offline (for example, by phone, email and direct mail) that's customized to meet specific interests you may have. We strongly recommend that you do so by telephoning us at the Customer Service Center number provided below in this Agreement (Section M8), because that is the best way of limiting your losses. iPad is a trademark of Apple Inc., registered in the U.S. and other countries. Concerning Digital Services, this Agreement will control if there are any irreconcilable conflicts between the terms of those agreements and this Agreement. width: 15%;
You agree to securely destroy or otherwise properly dispose of checks and items that have been accepted for deposit through MDS and have cleared to ensure that such checks and items are not represented for payment and, prior to disposal or destruction, to safeguard such checks and items. When considering a business bank account for your nonprofit, you need to calculate how many transactions youll have monthly and annually, how much cash youll deposit, and what other features you need from your account. .y-axis-3-table tr.row-9 td,
Entire Agreement, Waiver. For water resources, it can be groundwater in an aquifer. Definitions. Refer to your account disclosures for more information. You can elect to have statements and notices for Eligible Accounts delivered electronically in one of the following ways: During Online Banking enrollment, you will be presented the option to receive statements and notices online for all of your Eligible Accounts. An overdraft occurs when something is withdrawn in excess of what is in a current account. Image Quality. Sometimes scammers may send an email or text message claiming to be from the bank. M&T will protect and share your information as described in the M&T Privacy Notice. The current list of fees can be found in the Digital Services Fee Schedule (i.e., Section N) of this Agreement. M&T is only responsible for performing the digital services as expressly stated in this agreement. }
Please note that the following provision also applies to Business Customers: If you have a special billing arrangement for fees (e.g., an account that is eligible for earnings credits on balances), Digital Service fees (other than those charged for M&T Flash Funds) will be treated in accordance with such special billing arrangements.
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