Mobile Terms & Conditions

Online Banking E-Sign Consent and Disclosure

Eagle Bank and Trust Company of Missouri Online Banking E-Sign Consent and Disclosure (“disclosure”) applies to all communications for those products and services offered or accessible through Online Banking that are not otherwise governed by the terms and conditions of an electronic consent and disclosure.

  1. Definition of Terms: The words “we,” “us,” and “our” mean Eagle Bank and Trust Company of Missouri and the words “you” and “your” means you, the individual(s) who is identified on the account as the owner or authorized signer as the account holder on the account(s). As used in this disclosure, “communication” means any periodic statement, authorization, agreement, disclosure, notice, or other information related to your account, including but not limited to information that we are required by law to provide to you in writing.
  2. Scope of communications to be provided in electronic form: When you select “agree” with respect to an account, you agree that we may provide you with any communications relating to that account in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to:
    • Initial disclosures or agreements for your account or associated payment features.
    • Periodic statements or monthly billing statements for your account.
    • Notices or disclosures about a change in the terms of your account or associated payment feature.
    NOTE: Consenting to receive communications under this Online Banking E-Sign Consent and Disclosure will not automatically enroll you in the Online Statement service or result in the automatic electronic delivery of periodic account statements. You must complete a separate enrollment to stop receiving paper account statements (and any other type of Communications we may include in Online Statements)by U.S. Mail.
  3. Methods of Providing Communications to You in Electronic Form: All communications that we provide to you in electronic form will be provided either (1) via email, (2) by access to a website that we will designate in an email notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a website that we will generally designate in advance for such purpose, or (4) by requesting you download a PDF file containing the communication.
  4. How to Withdraw Consent: You may withdraw your consent to receive communications in electronic form, for any of your accounts, by writing to us at 903 Jeffco Executive Drive, Imperial, MO 63052, or by contacting us at 636-461-3500. We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.
  5. How to Update Your Records: It is your responsibility to provide us with true, accurate, and complete email address, contact, and other information related to this disclosure and your account(s), and to maintain and update us promptly of any changes in this information. You can update such information by writing us at 903 Jeffco Executive Drive, Imperial, MO 63052, or by contacting us at 636- 461-3500.
  6. Hardware and Software Requirements: In order to access, view, and retain electronic communications that we make available to you, you must have:
    • Online Banking requires an internet browser that supports 128-bit encryption and the following are supported;
      Operating System Microsoft Internet Explorer (IE) Browsers Google Chrome Firefox Opera Safari
      Windows Vista 9.0 or newer 2.0 or newer 2.0 or newer 9.0 or newer N/A
      Windows 7 9.0 or newer 2.0 or newer 2.0 or newer 9.0 or newer N/A
      Windows 8 9.0 or newer 2.0 or newer 2.0 or newer 9.0 or newer N/A
      Windows 10 Edge or IE 9.0 or newer 2.0 or newer 2.0 or newer 9.0 or newer N/A
      Mac OS Not Supported 5.0 or newer 2.0 or newer 9.0 or newer 3.0 or newer
    • Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
    • Adobe® Acrobat® Reader® 9.0 or higher;
    • An email account with an Internet Service Provider in order to participate in our electronic communications programs;
    • A personal computer, operating system and telecommunication connection to the internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form from us via a plain text-formatted email or by access to our website using one of the browsers specified above.
  7. Requesting Paper Copies: We will not send you a paper copy of any communications, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, contact us, in person, at any of our banking facilities or by telephone at 636-461-3500. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically. There is a $2.00 fee per statement or $20.00 an hour fee whichever is less expensive for us to print statements.
  8. Communications in Writing: All communications in either electronic or paper format, from us to you, will be considered “in writing.” You should print or download, for your records, a copy of this Consent and Disclosure along with any other communication that is important to you.
  9. Federal Law: You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
  10. Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications, including any applicable discount for receiving Eagle Bank and Trust Company of Missouri Online Statements. We will provide you with notice of any such termination or change as required by law.
  11. Eagle Bank and Trust Company of Missouri’s Online Secure Messaging: Your bank statements will be available to you electronically for 16 months from the date of delivery. You may print or download your bank statements to retain copies of them. A file will be included with your bank statement delivery that will contain a list of all of your banking transactions.
  12. Privacy: Our standard privacy policy will apply to this service. Our Privacy Policy is available on our website at www.eaglebankandtrust.com or upon request. We will mail you a copy.
  13. Security: To protect the security of your banking information, you must not disclose or share your Username and Password with any third parties. In addition, your bank statements will not be forwarded to you through email. You will be notified by email that they are available for you to access on the Eagle Bank and Trust Company of Missouri website through Online Banking.
  14. NO WARRANTY FOR CONTINUOUS OR UNINTERRUPTED SERVICE. Because of the unpredictability of internet service, we do not guarantee continuous or uninterrupted access to your Online Banking through the Eagle Bank and Trust Company of Missouri website. Your provider fees are considered third party fees and are not the responsibility of or controlled by Eagle Bank and Trust Company of Missouri.
  15. Limit of Liability. You agree that in no event will we or our suppliers (or any of our supplier’s shareholders, members, officers, directors or employees) be liable for lost profits or any special, incidental, or consequential damages arising out of or in connection with your use of our service, even if we have been advised of the possibility that such damage will occur. Further you agree that neither we nor our suppliers (or any of our supplier’s shareholders, members, officers, directors, or employees) will be liable for any technical, hardware, or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, computer virus, loss of data, or other similar loss.

    To the extent we may have breached any term of this consent and disclosure, you agree that your sole remedy is to discontinue use of this service. You further agree that our liability to you in any case (whether in contract or tort) will not exceed amounts paid to us within the last 90 days (if any) for this service.
  16. Governing Law. You agree that this Consent and Disclosure is governed by the laws of the State of Missouri in which the main office of the Bank is located, excluding any application of conflicts of law rules or principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of our service shall be appropriate federal or state court located in the city in which the Bank's main office is located.

General Terms & Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS ONLINE BANKING SERVICE.

BY ACCESSING OR USING THIS SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY EAGLE BANK AND TRUST COMPANY OF MISSOURI (for purposes of these terms and conditions the term "Eagle Bank and Trust Company of Missouri" includes Eagle Bank and Trust Company of Missouri’s affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS SERVICE.

YOU AGREE THAT, WHEN YOU USE ONLINE BANKING, YOU REMAIN SUBJECT TO THE TERMS AND CONDITIONS OF YOUR EXISTING AGREEMENTS WITH ANY UNAFFILIATED SERVICE PROVIDERS, INCLUDING, BUT NOT LIMITED TO, YOUR MOBILE SERVICE PROVIDER AND THAT THIS AGREEMENT DOES NOT AMEND OR SUPERSEDE ANY OF THOSE AGREEMENTS. YOU UNDERSTAND THAT THOSE AGREEMENTS MAY PROVIDE FOR FEES, LIMITATIONS AND RESTRICTIONS WHICH MIGHT IMPACT YOUR USE OF ONLINE BANKING (SUCH AS DATA USAGE OR TEXT MESSAGING CHARGES IMPOSED ON YOU BY YOUR MOBILE SERVICE PROVIDER FOR YOUR USE OF OR INTERACTION WITH ONLINE BANKING), AND YOU AGREE TO BE SOLELY RESPONSIBLE FOR ALL SUCH FEES, LIMITATIONS AND RESTRICTIONS. YOU AGREE THAT ONLY YOUR MOBILE SERVICE PROVIDER IS RESPONSIBLE FOR ITS PRODUCTS AND SERVICES. ACCORDINGLY, YOU AGREE TO RESOLVE ANY PROBLEMS WITH YOUR PROVIDER DIRECTLY WITHOUT INVOLVING US.

No Warranties. Although Eagle Bank and Trust Company of Missouri attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the SERVICE, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE SERVICE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE SERVICE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE SERVICE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, EAGLE BANK AND TRUST COMPANY OF MISSOURI ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY SERVICE OPERATED BY A THIRD PARTY.

Finally without limitation as to the foregoing, in regard to Limitation of Liability. IN NO EVENT WILL EAGLE BANK AND TRUST COMPANY OF MISSOURI OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE SERVICE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS SERVICE OR ANY SERVICE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS SERVICE OR ANY OTHER SERVICE, EVEN IF EAGLE BANK AND TRUST COMPANY OF MISSOURI IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of SERVICE. Contents are included in this SERVICE solely for the authorized use of SERVICE users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this SERVICE without the prior written consent of Eagle Bank and Trust Company of Missouri, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this SERVICE, including the graphics, icons and overall appearance of the SERVICE, are the sole and exclusive property of Eagle Bank and Trust Company of Missouri and/or its subsidiaries or affiliates. Certain of Eagle Bank and Trust Company of Missouri’s trademarks and/or servicemarks are also listed below. The posting of the Contents of this SERVICE neither constitutes a waiver of any of Eagle Bank and Trust Company of Missouri’s proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the SERVICE user or to any third party. Contents of this SERVICE are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the SERVICE.

The display of third party trademarks within this SERVICE does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this SERVICE or any SERVICE linked to this SERVICE may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other SERVICEs. Eagle Bank and Trust Company of Missouri may establish links between this SERVICE and one or more SERVICEs operated by third parties. Eagle Bank and Trust Company of Missouri has no control over any such other SERVICEs or the contents therein. The existence of any such links shall not constitute an endorsement by Eagle Bank and Trust Company of Missouri of such SERVICEs, the contents of the SERVICEs, or the operators of the SERVICEs.

Transmissions to and from this SERVICE. Except where expressly indicated otherwise, transmissions to and from this SERVICE or directed to Eagle Bank and Trust Company of Missouri, including emails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Eagle Bank and Trust Company of Missouri. Please do not use email to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 636-461-3590 or write us instead at this address: Eagle Bank and Trust Company of Missouri, 903 Jeffco Executive Drive, Imperial, MO 63052, Attention: Online Banking Department. Any transmission to this SERVICE, including emails shall be deemed and remain the property of Eagle Bank and Trust Company of Missouri. Eagle Bank and Trust Company of Missouri shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a SERVICE user to Eagle Bank and Trust Company of Missouri through this SERVICE.

Modifications. Eagle Bank and Trust Company of Missouri may at any time make modifications, changes, and alterations to the Contents of this SERVICE, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these Terms and Conditions. Your continued use of this SERVICE following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law. These Terms and Conditions shall be governed by and construed in accordance with the law of the state of Missouri, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue. Disputes arising from the use of this SERVICE shall be exclusively subject to the jurisdiction of any federal or state court for the state of Missouri.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by Eagle Bank and Trust Company of Missouri of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact. You may contact Eagle Bank and Trust Company of Missouri by email or by phone.

onlinebanking@eaglebankandtrust.com, 636-461-3590


Customer Specific General Terms and Conditions

General Description of Online Banking Service Agreement

What Does This Agreement Cover

This Agreement between you and Eagle Bank and Trust Company of Missouri governs the use of Online Banking services. These services permit Eagle Bank and Trust Company of Missouri customers (consumers) to perform a number of banking functions on accounts linked to the service through the use of a Personal Computer or mobile smart telephone. Unless indicated otherwise by the context, "linked Eagle Bank and Trust Company of Missouri accounts" or "linked accounts" refers to all of your accounts with Eagle Bank and Trust Company of Missouri or its affiliates that you have linked to the Online Banking service.

Accepting the Agreement

When you use any of the Online Banking services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.

Relation to Other Agreements

Your use of OnlineBanking services may also be affected by the agreements between us for your linked Eagle Bank and Trust Company of Missouri accounts. When you link an account to OnlineBanking services, you do not change the agreements you already have with us for that account. Similarly, when you use Online Banking services, you do so under the Terms and Conditions we gave you in the agreement. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with OnlineBanking services.

Online Banking Services

Standard Enrollment – User Identification (ID) and Password

  • After submitting your application, we will establish you manually for Online Banking. After you are established, you will receive an invite email from us. You must respond to this invite within 3 (three) days.
  • Please allow 2 business days to receive your invite email after submitting your application.
  • After clicking on the link, within the email, you will be asked for your Security Code; this answer will be provided to you by Eagle Bank and Trust Company of Missouri.
  • You will be prompted to establish a Username; the Username must be at least four (4) and no more than twenty (20) alpha/numeric characters.
  • You will next create a password that must contain a minimum of 8 (eight) characters with a maximum of 20 (twenty) characters; both upper and lower case letters, 1 (one) number and 1 (one) special character are required. Your password is case and format sensitive.
  • You will be required to establish 3 (three) Challenge Questions along with a Personal Greeting and Image.
  • You will be required to change your Password every 180 (one hundred eighty) days.
  • You will be locked out after 5 (five) unsuccessful log in attempts.
  • If you forget your Username and/or Password you can click on the forgotten links and follow the necessary steps. As a result, you will receive an email that contains a link to complete the request. The link is valid for 1 (one) day.
  • You may also contact us, for assistance, at 636-461-3590.
  • If you make your Username and Password available to others, to act on your behalf, you are responsible for all activity authorized by your Username and Password.
  • Sessions will expire after 30 minutes.

Self-Enrollment - User Identification (ID) and Password

  • After completing the application, you will be prompted to answer four Out of Wallet Security Questions. The Out of Wallet Security Questions are based upon your credit history. You will need to answer 3 of the 4 Out of Wallet Security Questions correctly to proceed with your registration.
  • After successfully answering the Out of Wallet Security Questions you will be prompted to create a Username and Security Code. The Security Code is required upon initial setup.
  • If you do not have credit history, you will need to complete the standard enrollment.
  • You will receive and invite email from us. You must respond to this invite within 3 (three) days.
  • After clicking on the link within the email, will you will be asked for your Security Code.
  • You will be prompted to establish a Username; the Username must be at least four (4) and no more than twenty (20) alpha/numeric characters.
  • You will next create a password that must contain a minimum of 8 (eight) characters with a maximum of 20 (twenty) characters; both upper and lower case letters, 1 (one) number and 1 (one) special character are required. Your password is case and format sensitive.
  • You will be required to establish 3 (three) Challenge Questions along with a Personal Greeting and Image.
  • You will be required to change your password every 180 (one hundred eighty) days.
  • You will be locked out after 5 (five) unsuccessful log in attempts.
  • If you forget your Username and/or Password you can click on the forgotten links and follow the necessary steps. As a result, you will receive an email that contains a link to complete the request. The link is valid for 1(one) day.
  • You may also contact us, for assistance, at 636-461-3590.
  • If you make your Username and Password available to others, to act on your behalf, you are responsible for all activity authorized by your Username and Password.
  • Sessions will expire after 30 minutes.
  • Any Business accounts that are included on a Self-Enrollment application will be removed.

Unless you notify us as provided in this agreement, you acknowledge that we are entitled to rely on the use of your Username and Password as your authorization for any transaction through Online Banking. You are responsible for all transactions you initiate or authorize using Online Banking. If you permit any other person to use the services provided by Online Banking or your Username and Password, you will have authorized that person to access your accounts and you are responsible for any transaction that person initiates or authorizes from your accounts.

Online Banking for Consumers

You may use Online Banking to:

  • View current balance information for your linked Eagle Bank and Trust Company of Missouri accounts.
  • Review available transactions for your linked accounts.
  • View branch locations.
  • View contact telephone numbers and additional contact details.
  • View account alerts and notifications.
  • View public information such as ‘about us’ and contact information.
  • Perform basic services such as changing your Online Banking Password and personalizing your Online Banking profile.
  • Transfer funds between your linked internal Eagle Bank and Trust Company of Missouri accounts on a one-time basis or schedule a transfer for a future date. This includes, transferring money as a payment to a linked installment loan.
  • Transfer funds from your linked Eagle Bank and Trust Company of Missouri personal account(s)to an external bank account you have access to at another Financial Institution.
  • Pay bills and external payees as defined by the capabilities of the bill pay services.

Some of the above services may not be available for certain accounts.

Description of Online Banking Services

Account Transfers

  • Processing of Transfer Requests
    • Transfers can be made on a one-time basis. One-time transfers may be immediate or scheduled for a future date.
    • One-time immediate transfers can be made from a linked Eagle Bank and Trust Company of Missouri personal checking, savings, money market or line of credit accounts to most linked Eagle Bank and Trust Company of Missouri personal accounts.
    • Scheduled transfers can be made between a linked Eagle Bank and Trust Company of Missouri personal checking, savings, money market or loan accounts to most linked Eagle Bank and Trust Company personal accounts.
    • Transfers can be made from a linked Eagle Bank and Trust Company of Missouri personal checking, savings, money market or line of credit account to most personal or checking, savings, or money market accounts of other Eagle Bank and Trust Company of Missouri.
  • Transfers from a deposit account are immediately reflected in the account's memo balance. Transfers from a line of credit account are immediately reflected in the account's available credit amount.
  • Scheduled Transfers
    • Transfers scheduled for a weekend, Federal Holiday or a non-bank business day will be processed on the next bank business day. All other scheduled and recurring transfers will be processed from the funding account at the beginning of the business day requested.
  • Transfers to Credit Accounts
    • Funds transferred as a payment to a line of credit, installment loan or mortgage account before 11:59 p.m. Central Time will be credited with the date the payment is submitted. Transfer payments submitted after 11:59 p.m. Central Time will be credited with the next day's date. Updates to account balances, funds availability, and transaction posting may take up to 2 bank business days.
  • Transfers to Deposit Accounts
    • Transfers to an Eagle Bank and Trust Company of Missouri checking account made after 5:00 p.m. Central Time will not be included in the balance we use to pay transactions that night. This process may impact when fees apply to your account. Credits can help you avoid overdrafts, returned items and related fees. However, debits may cause you to incur overdrafts, returned items and related fees. Please note that although these transfers are included in the balance we use to pay transactions that night, they will appear with our next business day's date in the deposit account transaction history.
    • Please note, transfers to any deposit account on a weekend or Federal holiday, will appear with our next business day's date in the deposit account transaction history.
    • All transfers submitted to a deposit account (such as checking, savings, money market) are immediately reflected in the account’s memo balance.
    • External Account Transfers allow you to transfer funds between checking and savings accounts at Eagle Bank and Trust Company of Missouri and a checking and savings accounts at other financial institutions that you have access to.
    • External transfer made prior to 4:00 pm Central Time should be included in the balance of the depositing account the business following day, excluding weekends and Federal Holidays.
    • External transfers, whether incoming or outgoing, have a standard daily transfer limit of $1,000.
    • The cutoff for External Transfers is 4:00 pm Central Time whether withdrawing or depositing from another institution. External Transfers made after 4:00 pm Central Time will be processed the following business day excluding weekends and Federal Holidays.
Limitations and Dollar Amounts for Internal Transfers and Bill Payments

Transfers and Payments made using Online Banking are subject to the following limitations:

  • Bill payments can be for any amount between $0.01 and $9,999.99.
  • One-time immediate transfers between linked Eagle Bank and Trust Company of Missouri accounts can be for any amount between $0.01 and $99,999,999.99.
  • Scheduled transfers between linked Eagle Bank and Trust Company of Missouri accounts can be for any amount between $0.01 and $99,999,999.99.
  • All transfer limits are subject to temporary reductions to protect the security of customer accounts and/or the transfer system.
  • At Eagle Bank and Trust Company of Missouri’s discretion, we may refuse to process any transaction that exceeds any of the above limits. In this case, you are responsible for making alternate transfer arrangements.
  • Bill Payments are processed at 3:00 p.m. Central Time Monday – Friday, excluding Federal Holidays.
  • All transfers submitted prior to 5:00 p.m. Central Time Monday – Friday will be processed same business day. All transfers submitted after 5:00 p.m. Central Time, Monday – Friday, on weekends and Federal Holidays will be processed the next business day.
  • External Transfers submitted prior to 4:00 p.m. Central Time Monday – Friday, excluding Federal Holidays, will be processed the same business day and credited to your External Financial Institution account on the next business day. External Transfers whether incoming or outgoing, have a standard daily limit of $1,000.
Transfer/Payment Authorization and Sufficient Available Funds
  • You authorize Eagle Bank and Trust Company of Missouri to withdraw, debit or charge the necessary funds from your designated account in order to complete all of your designated transfers and payments.
  • You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available in your accounts at the time of the withdrawal.
  • The completion of a transfer or payment is subject to the availability of sufficient funds (including any overdraft protection plans) at the time the transaction is posted. If enough funds to complete the transfer or payment are not available, we may either (i) complete the transaction and overdraw the account or (ii) refuse to complete the transaction. In either case, we may charge a non-sufficient funds (NSF), returned item, overdraft, or similar fee. Please refer to the applicable account agreement and fee schedule for details. If you schedule a payment from an account maintained at another financial institution and there are insufficient funds in that account, you may be charged a fee by that financial institution.
  • At our option, we may make a further attempt to issue the payment or process the transfer request.
  • Eagle Bank and Trust Company of Missouri is under no obligation to inform you if it does not complete a payment or transfer because there are non-sufficient funds or credit in your account to process the transaction. In this case, you are responsible for making alternate arrangements or rescheduling the payment or transfer.
Canceling Transfers and Payments
  • Bill Payments
    • You cannot cancel a one-time immediate transfer after it has been submitted in Online Banking and the information has been transmitted to us.
    • In order to cancel a payment, you must sign into Eagle Bank and Trust Company of Missouri’s Online Banking and select the Cancel option within Bill Payment. You will then be able to select the Bill Payment to cancel. Future-dated payments can be cancelled provided the bill payment is in a pending status. Cleared and completed payments cannot be cancelled.
    • Future-dated transfers can be cancelled prior to midnight Central Time on the bank business day prior to the date the transfer is scheduled to be made. If the status of the transfer is In Process or Processed, you can no longer cancel it. After you cancel a future-dated transfer, the status changes to Cancelled. Cancelled transfers remain under Transfers.
  • External Transfers
    • External Transfers can be deleted or modified once submitted prior to 4:00 p.m. Central Time. If the transfer has not been deleted or modified prior to 4:00 p.m. Central Time the transfer will be sent to the external Financial Institution.

Alternative Method

Note: The easiest and most convenient way to cancel a payment or transfer is through the method described above. However, you may request to cancel a scheduled or future-dated transfer by contacting us at:
Online Banking Department 636-461-3590

We must receive your request three (3) bank business days or more before the payment or transfer is scheduled for processing. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you call or write to cancel a payment or transfer that is pending, you will be charged for a stop payment in accordance with the agreement for the appropriate linked account.


Other Terms and Conditions

Equipment and Technical Requirements

You are responsible for maintaining all internet connections, browsers, hardware and software that are necessary to access Online Banking. We will not be responsible for any errors, deletions or failures that occur as a result of any malfunction of your device or software, nor will we be responsible for any malware that affects your device or the software while using Online Banking. Any costs or fees associated with obtaining devices and internet access are solely your responsibility.

The Online Banking service requires a web enabled device using an internet browser that supports 128-bit encryption.

Security Procedures

Each individual who has access to Eagle Bank and Trust Company of Missouri’s Online Banking services, including each individual named on joint accounts, must designate a Username and Password. Your Username must be at least four (4) and no more than twenty (20) alpha/numeric characters. Your password must be a minimum of eight (8) characters which must consist of at least one numeric character and at least one capital alpha character, one lowercase alpha character, and one non alpha/numeric character. For example, your Password may be: 123Signup. You will be prompted to change your password every 180 days. However, you may change your password at any time.

You must keep your Username and Password confidential; you agree not to disclose or make available your Username and Password to anyone. Further, you understand that you are responsible for the safekeeping of your Username and Password, and you agree to change your Username and Password when it becomes known to anyone else. You may change your Username and Password at any time by selecting “Settings” within the Online Banking service.

The security procedures described above are not implemented for the purpose of detecting errors in your instructions. You represent that you have considered the security procedures of the Online Banking service and find that the security procedures are commercially reasonable for verifying that a transfer or other communication purporting to have been issued by you is, in fact, yours. In reaching this determination, you have considered the size, type, and frequency of transfers or other communications that you anticipate issuing within the Bank. You agree to be bound by any instruction issued by you, and received and verified by us in accordance with these security procedures. In addition, you agree to indemnify and hold us harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

If these Online Banking security procedures are not, in your judgment, commercially reasonable, you must inform us within 30 days of registering for the service. If the size, type, or frequency of your transfers change, and the result is that the Online Banking security procedures cease to be commercially reasonable, you must also inform us within 30 days of such change. In either such case, we will terminate your access to Online Banking.

Monthly Service Charge

Except as otherwise provided in this Agreement or your applicable account agreements and schedule of fees, there is no monthly service charge for accessing your linked accounts with the Online Banking service.

Other Charges

In addition to the fees already described in this Agreement, you should note that depending on how you access Online Banking you might incur charges for:

  • Normal account fees and service charges.
  • Any Internet Service Provider fees.
  • Purchase of computer programs such as Personal Financial Management (PFM) software.
  • Payments or transfers made through Online Banking services from a savings or money market account may result in an excess transaction fee. See your savings or money market account for details.
  • Additionally, fees may be assessed for added self-service features available through Online Banking customer service, such as stop payment requests, check copy orders and account statement copy orders. For additional information, please see the applicable Deposit Agreement.
  • An NSF-fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a personal check, on the date when the check is presented to us for payment.
  • We may charge you a research fee of $20.00 per hour for an inquiry about a transaction that occurred more than 180 days before the date you make the inquiry. This fee will be waived if we determine that an error occurred.
  • Any SMS fees associated with your cellular provider with the enabling and use of Text Alerts within internet banking.
Service Hours

Online Banking services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. Our Online Banking Support is available from 7:30 a.m. to 5:30 p.m. Central Time Monday-Friday excluding Federal Holidays. You may also write us at:
903 Jeffco Executive Drive, Imperial, MO 63052

Business Days

For Online Banking services, our business days are Monday through Friday, excluding Federal Holidays.

Participation By Payees

Occasionally a Payee may choose not to participate in Bill Pay, or may require additional information before accepting payments. We will work with these Payees to encourage them to accept an electronic or check payment from the Bank. If we are unsuccessful, or if we determine that the Payee cannot process payments in a timely manner, we may decline future payments to this Payee. In the unlikely event that this occurs, we will promptly send you a notice. Any obligations that you wish to pay through Online Banking with Bill Pay must be payable in U.S. dollars to a Payee located in the United States. We reserve the right to restrict categories of Payees to whom payments may be made using the service. You should not use the service to make:

  • Tax payments
  • Court-ordered payments
  • Payments to settle securities transactions
Canceling Your Online Banking

If you choose to cancel your Online Banking services, any unprocessed Bill Payments and/or Transfers will be cancelled. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service. Eagle Bank and Trust Company of Missouri will cancel any scheduled payments within two (2) bank business days from the date we receive your request to discontinue the service. If you close your primary checking account, or if it's no longer linked to your service, your Online Banking service will end, and any unprocessed payments will be cancelled. If you cancel your Online Banking services, transfers will also be cancelled.

Joint Accounts

When your Online Banking service is linked to one or more joint accounts, we must correspond with the person associated with the user profile.

Changes to Agreement

We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronic message. If you initiate any transfer of funds or bill payment through your Online Banking after the effective date of a change, you indicate your agreement to the change.

Cancellation

Your Online Banking remains in effect until it is terminated by you or Eagle Bank and Trust Company of Missouri. You may cancel your service at any time by notifying us of your intent to cancel in writing or by calling the Online Banking Department at 636-461-3590. This cancellation applies to your Online Banking services, and does not terminate your Eagle Bank and Trust Company of Missouri deposit or credit accounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service.

We may terminate your participation in Online Banking services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

Use of External Email Address

With Online Banking services, we may send messages to your external email address and notify you that responses to your payment inquiries or customer service inquiries are available, or as otherwise described within the Online Banking services. If you subscribe to the eBill service, we may also use external email to notify you that you have new bills. We cannot act on instructions sent by you from an external email address. You should notify the Online Banking Department either in writing or by calling to provide instructions to the Eagle Bank and Trust Company of Missouri. If, for any reason, your external email address changes or becomes disabled, please contact the Eagle Bank and Trust Company of Missouri immediately so that we can continue to provide you with automated messages. You may notify us of any changes to your external email address through the Support tab within your Online Banking service.

Transfers From Savings and Money Market Deposit Accounts

Federal regulations and the deposit agreement impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings and money market deposit account. You can make no more than a total of six (6) automatic or preauthorized transfers, telephone transfers, or Online Banking transfers or payments from a savings or money market deposit account each monthly statement cycle (each month for savings accounts with a quarterly statement cycle). If you exceed these limits on more than an occasional basis, we may convert your account to another type of account and your account may no longer earn interest.

Each transfer or payment through the Online Banking services from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each statement period. We recommend that you not use a money market deposit account as your bill payment account because of these limits on transfers. Please review the deposit agreement for your account for more information.

Contact by Eagle Bank and Trust Company of Missouri or Affiliated Parties

No Eagle Bank and Trust Company of Missouri employee, nor any company affiliated with Eagle Bank and Trust Company of Missouri will contact you via email or phone requesting your Online Banking Username or Password. If you are contacted by anyone requesting this information, please contact us immediately.

Disclosure of Account Information

We may disclose information to third parties about you or your transactions in the following instances:

  • When it's necessary for completing transfers or bill payments, or to investigate or resolve a problem related to a transfer or payment
  • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  • To comply with a government agency or court orders, or in connection with fraud prevention or an investigation
  • If you give us your permission
  • On a closed account, if we reasonably believe you have mishandled it
Account Statements

We report your Online Banking transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, and the date and amount of the transaction will appear on your statement.

Electronic Funds Transfer Act

Indicated below are types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account. Please read these Terms and Conditions carefully because it tells you your rights and obligations for the transactions listed. You should keep these Terms and Conditions for future reference.

Electronic Funds Transfers Initiated by Third Parties.

You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
  • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Touch Tone Teller Telephone Transfers – types of transfers

You may access your account by telephone 24 hours a day at 1-877-965-1110 using your personal identification number, a touch tone phone, and your account number(s), to:

  • Transfer funds between checking and savings
  • Make payments from checking or savings to loan accounts with us
  • Get information about:
    • The account balance of checking or savings accounts
ATM Transfers – types of transfers and dollar limitations

You may access your account(s) by ATM using your VISA Check Card and personal identification number, to:

  • Make deposits to checking or savings account(s)
  • Get cash withdrawals from checking or savings account(s)
    • You may withdraw no more than $1000.00 per day at ATMs we own or operate
  • Transfer funds between checking and savings account(s)
  • Get information about:
    • The account balance of your checking or savings account

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Visa Debit Card Point-of-Sale Transactions

You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions – dollar limitations and charges

Using your card:

  • You may not exceed $3,000.00 in signature based transactions per day and $1,000.00 for PIN based transactions per day
  • We will charge you $5.00 for a replacement card
Currency Conversion and International Transactions
  1. For point-of-sale (merchant) transactions using VISA Network and ATM transactions using NYCE and PULSE networks. When you use your VISA Debit Card for this type of transaction and it settles in a currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

    Visa USA charges us a .8% International Service Assessment on all international transactions, if there is no currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. As a result, we will charge you a .8% international transaction fee on all international transactions if there is no currency conversion. If there is a currency conversion, we will charge you an international transaction fee of 1% of the transaction. An international transaction is a transaction where the country of the merchant is outside the USA.
  2. For ATM transactions using Cirrus network. When you use your VISA Debit Card for this type of transaction and it settles in a currency other than US Dollars, MasterCard/Cirrus will convert the charge into a US Dollar amount. The MasterCard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard/Cirrus. The exchange rate MasterCard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

    MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we will charge you a currency conversion fee of .2% of the transaction if there is a currency conversion and a cross-border transaction fee of .9% of the transaction. The cross-border transaction fee is charged on all cross- border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.
Advisory Against Illegal Use.

You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Please see your cardholder agreement for additional information relating to the use of your VISA Check Card.

Non-Visa Debit Transaction Processing.

We have enabled Non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a Non-Visa Network) without using a PIN.

The Non-Visa debit network(s) for which such transactions are enabled are: NYCE and PULSE networks. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, swiping the card through a point-of-sale terminal or bill payment.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to Non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a Non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

Transaction Notification if you opt in, you may receive notification of each debit card transaction. You must go to the VISA website to sign up for transaction notifications. To opt in, go to VISA Purchase Alerts at https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html. Select the type of alert you want to receive, either e-mail or SMS. VISA and Eagle Bank do not charge for this service but your third party provider may charge for the text/SMS messages. Please consult your carrier’s plan.

Online Banking Computer Transfers – types of transfers

You may access your account(s) by personal computer 24 hours a day by logging onto our website at www.eaglebankandtrust.com and using your login credentials, to:

  • Transfer funds between your checking and savings
  • Make payments from your checking or savings to loan accounts with us
  • Transfer funds between your account(s) at Eagle Bank and Trust Company of Missouri to an account you own at another Financial Institution
  • Make payments from your checking to third parties using the Bill Pay feature
  • Get information about:
    • The account balance of checking, savings, loan, CD, and IRA accounts
    • Deposits and Withdrawals to checking or savings accounts

Internal Transfers submitted prior to 5:00 p.m. Central Time Monday – Friday, excluding Federal Holidays, will be processed the same business day. Internal transfers after 5:00 p.m. Central Time, Monday – Friday, weekends, and Federal Holidays will be processed the next business day.

External Transfers submitted prior to 4:00 P.M. Central Standard Time Monday-Friday will be processed the same business day and credited or debited from the External Account the following business day. External transfers made after 4:00 P.M. CST, weekends and federal holidays will be processed the next business day.

Limitations on frequency of transfers.

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • For security reasons, there are other limits on the number of transfers you can make by ATM.
FEES
  • We do not charge for direct deposits to any type of account.
  • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION
  • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminals. However, you may not get a receipt if the amount of the transfer is $15 or less.
  • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money.
  • Periodic statements.
    • You will get a monthly statement from us for your transaction and MMDA accounts.
    • You will get a monthly statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get your statement at least quarterly.
PREAUTHORIZED PAYMENTS
  • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
    • Call us at 636-461-3500 or write us 903 Jeffco Executive Drive Imperial MO 63052 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
    • We will charge you $30.00 for each stop-payment order you give.
  • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we may be liable for your losses or damages.
FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If you have an overdraft line and the transfer would go over the credit limit.
  • If the automated teller machine where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control (such as fire, flood, or civil unrest) prevent the transfer, despite reasonable precautions that we have taken.
  • There may be other exceptions stated in our agreement with you.
CONFIDENTIALITY

We will disclose information to third parties about the account or the transfers you make:

  • where it is necessary for completing transfer; or
  • in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  • in order to comply with government agency or court orders; or
  • as explained in the separate Privacy Disclosure
  1. Consumer Liability. Tell us AT ONCE if you believe your card, code and/or password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

    If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, code and/or password, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

    Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

    If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we will extend the time periods.

    Additional Limit on Liability for VISA Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA. Visa is a registered trademark of Visa International Service Association.
  2. Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in these Terms and Conditions. You should also call the number or write to the address listed in these Terms and Conditions if you believe a transfer has been made using the information from your check without your permission.

    When you give someone your Online Banking Username and Password, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.

    Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

    For your protection, Log Out after every Online Banking session and close your browser.

    If you are concerned about unauthorized debit card use, you can sign up for Transaction Notification. If you opt in, you may receive notification of each debit card transaction. You must visit the VISA website to sign up for transaction notifications. To opt in, go to VISA Purchase Alerts at https://usa.visa.com/pay-with-visa/featured-technologies/purchase-alerts.html. Select the type of alert you want to receive, either email or SMS. VISA and Eagle Bank and Trust Company of Missouri do not charge for this service but your third party provider may charge for the text/SMS messages. Please consult your carrier’s plan.
ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in these Terms and Conditions, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. 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.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for VISA Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

For accounts: If you are calling from outside of the continental U.S., call us Monday – Friday 8:00 a.m. – 5:00 p.m. Central Time at: 636-461-3500 or write to us at:

EAGLE BANK AND TRUST COMPANY OF MISSOURI CUSTOMER SERVICE DEPARTMENT
903 Jeffco Executive Drive
Imperial, MO 63052
Business Days: Monday through Friday
Excluding Federal Holidays
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your account on time, or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. For instance, we will not be liable:

  • under your overdraft protection plan, or credit to cover the transaction or transfer
  • If Online Banking services weren't working properly, and you knew about the malfunction when you started the transaction or transfer
  • If circumstances beyond our control (such as fire, flood, or civil unrest) prevented the transaction or transfer, despite reasonable precautions we've taken
  • If there are postal delays or processing delays by the Payee

There may be other exceptions not specifically mentioned.


Mobile Banking Esign Consent and Disclosure

Eagle Bank and Trust Company of Missouri’s Mobile Banking E-Sign Consent and Disclosure (“disclosure”) applies to all communications for those products and services offered or accessible through Mobile Banking that are not otherwise governed by the terms and conditions of an electronic consent and disclosure.

  1. Definition of Terms: The words “we,” “us,” and “our” means Eagle Bank and Trust Company of Missouri and the words “you” and “your” means you, the individual(s) who is identified on the account as the owner or authorized signer as the account holder on the account(s). As used in this disclosure, “communication” means any periodic statement, authorization, agreement, disclosure, notice, or other information related to your account, including but not limited to information that we are required by law to provide to you in writing.
  2. Scope of communications to be provided in electronic form: When you select “agree” with respect to an account, you agree that we may provide you with any communications relating to that account in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below.

    NOTE: Consenting to receive communications under this Mobile Banking E-Sign Consent and Disclosure will not automatically enroll you in the Online Statement service or result in the automatic electronic delivery of periodic account statements. You must complete a separate enrollment to stop receiving by U.S. Mail paper account statements (and any other types of Communications we may include in Online Statements).
  3. Method of Providing Communications to You in Electronic Form: All communications that we provide to you in electronic form will be provided either (1) via email, (2) by access to a website that we will designate in an email notice we send to you at the time the information is available, or (3) to the extent permissible by law, by access to a web site that we will generally designate in advance for such purpose, or (4) by requesting your download a PDF file containing the communication.
  4. How to Withdraw Consent: You may withdraw your consent to receive communications in electronic form by writing to us at 903 Jeffco Executive Drive, Imperial, MO 63052, or by contacting us at 636- 461-3500. We may treat your provision of an invalid email address or the subsequent malfunction of a previously valid address as a withdrawal of your consent to receive electronic communications. We will not impose any fee to process the withdrawal of your consent to receive electronic communication, however, your access and use of Eagle Bank and Trust Company of Missouri’s Mobile Banking will be terminated. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.
  5. How to Update Your Records: It is your responsibility to provide us with true, accurate, and complete e-mail address, contact, and other information related to this Disclosure and your account(s), and to maintain and update us promptly of any changes in this information. You can update such information by writing us at 903 Jeffco Executive Drive, Imperial, MO 63052, or by contacting us at 636- 461-3500.
  6. Hardware and Software Requirements: In order to access, view, and retain electronic communications that we make available to you, you must have:
    • An iPhone or iPad with iOS 8.2 and higher or an Android Phone with version 4.0 or higher
  7. Requesting Paper Copies: We will not send you a paper copy of any communications, unless you request it or we otherwise deem it appropriate to do so. You can obtain a paper copy of an electronic communication by printing it yourself or by requesting that we mail you a paper copy, provided that such request is made within a reasonable time after we first provided the electronic communication to you. To request a paper copy, contact us in person at any of our banking facilities or by telephone at 636-461-3500. We reserve the right, but assume no obligation, to provide a paper (instead of electronic) copy of any communication that you have authorized us to provide electronically. The fee for the bank mailing a paper copy is $2.00 per statement or $20.00 per hour, whichever is less expensive. These fees are subject to change and you will be notified of such change.
  8. Communications in Writing: All communications in either electronic or paper format from us to you will be considered “in writing.” You should print or download for your records a copy of this Disclosure and any other communication that is important to you.
  9. Federal Law: You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction affecting interstate commerce that is subject to the Federal Electronic Signatures in Global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
  10. Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
  11. Privacy: Our privacy policy (that has been previously provided to you) will apply to this service.
  12. Security: To protect the security of your banking information, you must not disclose or share your Username and Password with any third parties. For your protection, log out after every Mobile Banking session.
  13. NO WARRANTY FOR CONTINUOUS OR UNINTERRUPTED SERVICE. Because of the unpredictability of the cellular service, we do not guarantee continuous or uninterrupted access to your bank accounts through Eagle Bank and Trust Company of Missouri’s Mobile Banking.
  14. Limit of Liability. You agree that in no event will we or our suppliers (or any of our supplier’s shareholders, members, officers, directors or employees) be liable for lost profits or any special, incidental, or consequential damages arising out of or in connection with your use of our service, even if we have been advised of the possibility that such damage will occur. Further you agree that neither we nor our suppliers (or any of our supplier’s shareholders members, officers, directors, or employees) will be liable for any technical, hardware, or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, computer virus, loss of data, or other similar loss.

    To the extent we may have breached any term of this consent and agreement, you agree that your sole remedy is to discontinue use of this service. You further agree that our liability to you in any case (whether in contract or tort) will not exceed amounts paid to us within the last 90 days (if any) for this service.
  15. Governing Law. You agree that this Consent and Agreement is governed by the laws of the State in which the main office of the Bank is located, excluding any application of conflicts of law rules or principles. You agree that the sole jurisdiction and venue for any litigation arising from your use of our service shall be appropriate federal or state court located in the city in which the Bank's main office is located.

General Terms & Conditions

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS MOBILE SMART APPLICATION.

BY ACCESSING OR USING THIS SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL, AS THEY MAY BE MODIFIED BY EAGLE BANK AND TRUST COMPANY OF MISSOURI (for purposes of these terms and conditions the term "Eagle Bank and Trust Company of Missouri" includes Eagle Bank and Trust Company of Missouri’s affiliates, as applicable) FROM TIME-TO-TIME AND POSTED ON THIS SERVICE.

YOU AGREE THAT, WHEN YOU USE MOBILE BANKING, YOU REMAIN SUBJECT TO THE TERMS AND CONDITIONS OF YOUR EXISTING AGREEMENTS WITH ANY UNAFFILIATED SERVICE PROVIDERS, INCLUDING, BUT NOT LIMITED TO, YOUR MOBILE SERVICE PROVIDER AND THAT THIS AGREEMENT DOES NOT AMEND OR SUPERSEDE ANY OF THOSE AGREEMENTS. YOU UNDERSTAND THAT THOSE AGREEMENTS MAY PROVIDE FOR FEES, LIMITATIONS AND RESTRICTIONS WHICH MIGHT IMPACT YOUR USE OF MOBILE BANKING (SUCH AS DATA USAGE OR TEXT MESSAGING CHARGES IMPOSED ON YOU BY YOUR MOBILE SERVICE PROVIDER FOR YOUR USE OF OR INTERACTION WITH MOBILE BANKING), AND YOU AGREE TO BE SOLELY RESPONSIBLE FOR ALL SUCH FEES, LIMITATIONS AND RESTRICTIONS. YOU AGREE THAT ONLY YOUR MOBILE SERVICE PROVIDER IS RESPONSIBLE FOR ITS PRODUCTS AND SERVICES. ACCORDINGLY, YOU AGREE TO RESOLVE ANY PROBLEMS WITH YOUR PROVIDER DIRECTLY WITHOUT INVOLVING US.

No Warranties. Although Eagle Bank and Trust Company of Missouri attempts to provide accurate information, names, images, pictures, logos, icons, documents, and materials (collectively, the "Contents") on the SERVICE, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE SERVICE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE SERVICE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE SERVICE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, EAGLE BANK AND TRUST COMPANY OF MISSOURI ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY SERVICE OPERATED BY A THIRD PARTY.

Finally without limitation as to the foregoing, in regard to Limitation of Liability. IN NO EVENT WILL EAGLE BANK AND TRUST COMPANY OF MISSOURI OR ITS SUBSIDIARIES, AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE SERVICE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS SERVICE OR ANY SERVICE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS SERVICE OR ANY OTHER SERVICE, EVEN IF EAGLE BANK AND TRUST COMPANY OF MISSOURI IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Use of SERVICE. Contents are included in this SERVICE solely for the personal use of SERVICE users. You may not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of this SERVICE without the prior written consent of Eagle Bank and Trust Company of Missouri, which may be withheld in its sole discretion.

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of this SERVICE, including the graphics, icons and overall appearance of the SERVICE, are the sole and exclusive property of Eagle Bank and Trust Company of Missouri and/or its subsidiaries or affiliates. Certain of Eagle Bank and Trust Company of Missouri’s trademarks and/or service marks are also listed below. The posting of the Contents of this SERVICE neither constitutes a waiver of any of Eagle Bank and Trust Company of Missouri’s proprietary rights or any other party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the SERVICE user or to any third party. Contents of this SERVICE are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the SERVICE.

The display of third party trademarks within this SERVICE does not grant a license of any kind to the reader. Any downloading of material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any downloading of Contents of this SERVICE or any SERVICE linked to this SERVICE may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other SERVICEs. Eagle Bank and Trust Company of Missouri may establish links between this SERVICE and one or more SERVICEs operated by third parties. Eagle Bank and Trust Company of Missouri has no control over any such other SERVICEs or the contents therein. The existence of any such links shall not constitute an endorsement by Eagle Bank and Trust Company of Missouri of such SERVICEs, the contents of the SERVICEs, or the operators of the SERVICEs.

Transmissions to and from this SERVICE. Except where expressly indicated otherwise, transmissions to and from this SERVICE or directed to Eagle Bank and Trust Company of Missouri, including emails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by the appropriate business unit at Eagle Bank and Trust Company of Missouri. Please do not use email to send us communications which contain confidential information, which we require to be in writing, or which need our immediate attention. Please call 636-461-3590 or write us instead at this address: Eagle Bank and Trust Company of Missouri, 903 Jeffco Executive Drive, Imperial, MO 63052, Attention: Mobile Banking Department. Any transmission to this SERVICE, including emails shall be deemed and remain the property of Eagle Bank and Trust Company of Missouri. Eagle Bank and Trust Company of Missouri shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a SERVICE user to Eagle Bank and Trust Company of Missouri through this SERVICE.

Modifications. Eagle Bank and Trust Company of Missouri may at any time make modifications, changes, and alterations to the Contents of this SERVICE, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this SERVICE following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Governing law. These Terms and Conditions shall be governed by and construed in accordance with the law of the state of Missouri, without regard to the conflict of laws thereof, and to the laws of the United States.

Venue. Disputes arising from the use of this SERVICE shall be exclusively subject to the jurisdiction of any federal or state court for the state of Missouri.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by Eagle Bank and Trust Company of Missouri of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.

Service Contact. You may contact Eagle Bank and Trust Company of Missouri by email or by phone.

mobilebanking@eaglebankandtrust.com, 636-461-3590


Customer Specific General Terms and Conditions

General Description of Mobile Banking Service Agreement

What Does This Agreement Cover

This Agreement between you and Eagle Bank and Trust Company of Missouri governs the use of Mobile Banking services. These services permit Eagle Bank and Trust Company of Missouri customers (consumers) to perform a number of banking functions on accounts linked to the service through the use of a mobile device or mobile smart telephone. Unless indicated otherwise by the context, "linked Eagle Bank and Trust Company of Missouri accounts" or "linked accounts" refers to all of your accounts with Eagle Bank and Trust Company of Missouri or its affiliates that you have linked to this Mobile Banking service.

Accepting the Agreement

When you use any of the Mobile Banking services described in this Agreement, or authorize others to use them, you agree to the terms and conditions of the entire Agreement.

Relation to Other Agreements

Your use of Mobile Banking services may also be affected by the agreements between us for your linked Eagle Bank and Trust Company of Missouri accounts. When you link an account to Mobile Banking services, you do not change the agreements you already have with us for that account. Similarly, when you use Mobile Banking services, you do so under the Terms and Conditions we gave you in the agreement. You should review those agreements for any applicable fees, for limitations on the number of transactions you can make, and for other restrictions that might impact your use of an account with Mobile Banking services.


Mobile Banking Services

Mobile Banking for Consumers

You may use Mobile Banking to:

  • View current balance information for your linked Eagle Bank and Trust Company of Missouri accounts.
  • Review available transactions for your linked accounts.
  • View branch locations.
  • View contact telephone numbers and additional contact details.
  • View account alerts and notifications.
  • View public information such as ‘about us’ and contact information.
  • Perform basic services such as changing your Mobile Banking Password and personalizing the mobile smart application.
  • Transfer funds between your linked internal Eagle Bank and Trust Company of Missouri accounts on a one-time basis or schedule a transfers for a future date. This includes, transferring money as a payment to a linked installment loan.
  • Transfer funds from your linked Eagle Bank and Trust Company of Missouri personal account(s) to an external account you own at another Financial Institution.
  • Pay bills and external payees as defined by the capabilities of the mobile bill pay services.
  • Deposit permitted items through Mobile Deposit Capture.
  • Turn your debit card on and off.

Some of the above services may not be available for certain accounts.


Description of Mobile Banking Services

Mobile Banking Transfers – types of transfers

You may access your account(s) 24 hour(s) a day through your iPhone, iPad or Android app and using your login credentials, to:

  • Transfer funds between your checking and savings
  • Make payments from your checking or savings to loan accounts with us
  • Transfer funds between your account(s) at Eagle Bank and Trust Company of Missouri to an account you own at another Financial Institution
  • Make payments from your checking to third parties using the Bill Pay feature
  • Get information about:
    • The account balance of checking, savings, loan, CD, and IRA accounts
    • Deposits and Withdrawals to checking or savings accounts

Internal transfers submitted prior to 5:00 p.m. Central Time Monday – Friday, excluding Federal Holidays, will be processed the same business day. Internal transfers after 5:00 p.m. Central Time, Monday – Friday, weekends, and Federal Holidays will be processed the next business day.

External transfers submitted prior to 4:00 P.M. Central Standard Time Monday-Friday will be processed the same business day. External transfers made after 4:00 P.M. CST, weekends and federal holidays will be processed the next business day. External Transfers have a $1,000 standard daily limit.

Internal Account Transfers
  • Processing of Transfer Requests
    • Transfers can be made on a one-time basis. One-time transfers may be immediate or scheduled for a future date.
    • One-time immediate transfers can be made from a linked Eagle Bank and Trust Company of Missouri checking, savings, money market or line of credit to most linked Eagle Bank and Trust Company of Missouri accounts.
    • Scheduled transfers can be made between a linked Eagle Bank and Trust Company of Missouri checking, savings, money market or loan accounts.
    • Transfers can be made from a linked Eagle Bank and Trust Company of Missouri personal or checking, savings, money market or line of credit account to most personal or checking, savings, or money market accounts of other Eagle Bank and Trust Company of Missouri.
  • Transfers from a deposit account are immediately reflected in the account's memo balance. Transfers from a line of credit account are immediately reflected in the account's available credit amount.
  • Scheduled Transfers
    • Transfers scheduled for a weekend, Federal Holiday or a non-bank business day will be processed on the next bank business day. All other scheduled and recurring transfers will be processed from the funding account at the beginning of the business day requested.
  • Transfers to Credit Accounts
    • Funds transferred as an internal payment to a line of credit, installment loan or mortgage account before 11:59 p.m. Central Time will be credited with the date the payment is submitted. Transfer payments submitted after 11:59 p.m. Central Time will be credited with the next day's date. Updates to account balances, funds availability, and transaction posting may take up to 2 bank business days.
  • Transfers to Deposit Accounts
    • Internal Transfers to an Eagle Bank and Trust Company of Missouri checking account made after 5:00 p.m. Central Time will not be included in the balance we use to pay transactions that night. This process may impact when fees apply to your account. Credits can help you avoid overdrafts, returned items and related fees. However, debits may cause you to incur overdrafts, returned items and related fees. Please note that although these transfers are included in the balance we use to pay transactions that night, they will appear with our next business day's date in the deposit account transaction history.
    • Please note, transfers to any deposit account on a weekend or Federal holiday, will appear with our next business day's date in the deposit account transaction history.
    • All transfers submitted to a deposit account (such as checking, savings, money market) are immediately reflected in the account’s memo balance.
  • External Transfers
    • External Account Transfers allow you to transfer funds between checking and savings accounts at Eagle Bank and Trust Company of Missouri and your checking and savings accounts at other financial institutions.
    • External transfer made prior to 4:00 pm Central Time should be included in the balance of the depositing account the following day. External transfers have a 4:00 pm Central Time cutoff for a next business day transfer.
    • External transfers, whether incoming or outgoing, have a standard daily transfer limit of $1,000.
Limitations and Dollar Amounts for Transfers and Bill Payments

Transfers and Payments made using Mobile Banking are subject to the following limitations:

  • Bill payments can be for any amount between $0.01 and $9,999.99.
  • One-time immediate transfers between linked Eagle Bank and Trust Company of Missouri accounts can be for any amount between $0.01 and $99,999,999.99.
  • Scheduled transfers between linked Eagle Bank and Trust Company of Missouri accounts can be for any amount between $0.01 and $99,999,999.99.
  • All transfer limits are subject to temporary reductions to protect the security of customer accounts and/or the transfer system.
  • At Eagle Bank and Trust Company of Missouri’s discretion, we may refuse to process any transaction that exceeds any of the above limits. In this case, you are responsible for making alternate transfer arrangements.
  • Bill Payments are processed at 3:00 p.m. Central Time Monday – Friday, excluding Federal Holidays and weekends. Bill Payments submitted after 3:00 p.m. Central Time will be processed the following business day.
  • All internal transfers submitted prior to 5:00 p.m. Central Time Monday – Friday will be processed the same business day. All internal transfers submitted after 5:00 p.m. Central Time, Monday – Friday, on weekends and Federal Holidays will be processed the next business day.
  • External Transfers submitted prior to 4:00 p.m. Central Time Monday – Friday, excluding Federal Holidays, will be processed the same business day and credited to the External Financial Institution account on the next business day. External Transfers whether incoming or outgoing, have a standard daily limit of $1,000.
Transfer/Payment Authorization and Sufficient Available Funds
  • You authorize Eagle Bank and Trust Company of Missouri to withdraw, debit or charge the necessary funds from your designated account in order to complete all of your designated transfers and payments.
  • You agree that you will instruct us to make a withdrawal only when a sufficient balance is or will be available in your accounts at the time of the withdrawal.
  • The completion of a transfer or payment is subject to the availability of sufficient funds (including any overdraft protection plans) at the time the transaction is posted. If enough funds to complete the transfer or payment are not available, we may either (i) complete the transaction and overdraw the account or (ii) refuse to complete the transaction. In either case, we may charge a non-sufficient funds (NSF), returned item, overdraft, or similar fee. Please refer to the applicable account agreement and fee schedule for details. If you schedule a payment from an account maintained at another financial institution and there are insufficient funds in that account, you may be charged a fee by that financial institution.
  • At our option, we may make a further attempt to issue the payment or process the transfer request.
  • Eagle Bank and Trust Company of Missouri is under no obligation to inform you if it does not complete a payment or transfer because there are non-sufficient funds or credit in your account to process the transaction. In this case, you are responsible for making alternate arrangements or rescheduling the payment or transfer.
Canceling Transfers and Payments
  • Bill Payments
    • In order to cancel a payment, you must sign into Eagle Bank and Trust Company of Missouri’s Mobile Banking and select the Cancel option within Bill Payment. You will then be able to select the Bill Payment to cancel.
    • Future-dated payments can be cancelled provided the bill payment is in a pending status. Cleared and completed payments cannot be cancelled.
  • Transfers
    • You cannot cancel a one-time immediate transfer after it has been submitted in Mobile Banking and the information has been transmitted to us.
    • Future-dated transfers can be cancelled prior to midnight Central Time on the bank business day prior to the date the transfer is scheduled to be made. If the status of the transfer is In Process or Processed, you can no longer cancel it. After you cancel a future-dated transfer, the status changes to Cancelled. Cancelled transfers remain under Transfers.
  • External Transfers
    • External Transfers can be deleted or modified once submitted prior to4:00 p.m. Central Time. If the transfer has not been deleted or modified prior to 4:00 p.m. Central Time the transfer will be sent to the external Financial Institution.

Alternative Method

Note: The easiest and most convenient way to cancel a payment or transfer is through the method described above. However, you may request to cancel a scheduled or future-dated transfer by contacting us at:

Mobile Banking Department 636-461-3590

We must receive your request three (3) bank business days or more before the payment or transfer is scheduled for processing. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If you call or write to cancel a payment or transfer that is pending, you will be charged for a stop payment in accordance with the agreement for the appropriate linked account.


Other Terms and Conditions

Equipment and Technical Requirements

You are responsible for maintaining all internet connections, browsers, hardware and software that are necessary to access Mobile Banking. We will not be responsible for any errors, deletions or failures that occur as a result of any malfunction of your mobile device or software, nor will we be responsible for any malware or virus that affects your mobile device or the software while using Mobile Banking. Any costs or fees associated with obtaining mobile devices and internet access are solely your responsibility.

The Mobile Banking application requires a web enabled mobile device. The Android mobile banking application requires version 4.0 or higher. The iPhone and iPad application require iOS 8.2 or higher.

Security Procedures

Each individual who has access to Eagle Bank and Trust Company of Missouri’s Mobile Banking services, including each individual named on joint accounts, must designate a Username and Password. Your Username must be at least four (4) and nor more than twenty (20) alpha/numeric characters. Your password must be a minimum of eight (8) characters which must consist of at least one numeric character and at least one capital alpha character, one lowercase alpha character, and one non alpha/numeric character. For example, your Password may be: 123Signup. You will be prompted to change your password every 180 days. However, you may change your password at any time.

You must keep your Username and Password confidential; you agree not to disclose or make available your Username and Password to anyone. Further, you understand that you are responsible for the safekeeping of your Username and Password, and you agree to change your Username and Password when it becomes known to anyone else. You may change your Password at any time by selecting “Change Password” in the “New Mobile User” section of the login screen or within the Settings option.

The security procedures described above are not implemented for the purpose of detecting errors in your instructions. You represent that you have considered the security procedures of the Mobile Banking service and find that the security procedures are commercially reasonable for verifying that a transfer or other communication purporting to have been issued by you is, in fact, yours. In reaching this determination, you have considered the size, type, and frequency of transfers or other communications that you anticipate issuing within the Bank. You agree to be bound by any instruction issued by you, and received and verified by us in accordance with these security procedures. In addition, you agree to indemnify and hold us harmless from and against any loss suffered or liability incurred by, or arising from, the execution of instructions in good faith and in compliance with such security procedures.

If these Mobile Banking security procedures are not, in your judgment, commercially reasonable, you must inform us within 30 days of registering for the service. If the size, type, or frequency of your transfers change, and the result is that the Mobile Banking security procedures cease to be commercially reasonable, you must also inform us within 30 days of such change. In either such case, we will terminate your access to Mobile Banking.

Monthly Service Charge

Except as otherwise provided in this Agreement or your applicable account agreements and schedule of fees, there is no monthly service charge for accessing your linked accounts with the Mobile Banking service.

Other Charges

In addition to the fees already described in this Agreement, you should note that depending on how you access Mobile Banking you might incur charges for:

  • Normal account fees and service charges.
  • Any Internet Service Provider fees.
  • Purchase of computer programs such as Personal Financial Management (PFM) software.
  • Payments or transfers made through Mobile Banking services from a savings or money market account may result in an excess transaction fee. See your savings or money market account for details.
  • Additionally, fees may be assessed for added self-service features available through Mobile Banking customer service, such as stop payment requests, check copy orders and account statement copy orders. For additional information, please see the applicable Deposit Agreement.
  • An NSF-fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a personal check, on the date when the check is presented to us for payment.
  • We may charge you a research fee of $20.00 per hour for an inquiry about a transaction that occurred more than 180 days before the date you make the inquiry. This fee will be waived if we determine that an error occurred.
Service Hours

Mobile Banking services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. Our Mobile Banking Department is available from 7:30 a.m. to 5:30 p.m. Central Time Monday-Friday excluding Federal Holidays. The phone number for mobile banking assistance is 636-461-3590. If you would like to email us the address is onlinebanking@eaglebankandtrust.com. You may also write us at:

903 Jeffco Executive Drive, Imperial, MO 63052

Business Days

For Mobile Banking services, our business days are Monday through Friday, excluding Federal Holidays.

Participation By Payees

Occasionally a Payee may choose not to participate in Bill Pay, or may require additional information before accepting payments. We will work with these Payees to encourage them to accept an electronic or check payment from the Bank. If we are unsuccessful, or if we determine that the Payee cannot process payments in a timely manner, we may decline future payments to this Payee. In the unlikely event that this occurs, we will promptly send you a notice. Any obligations that you wish to pay through Mobile Banking with Bill Pay must be payable in U.S. dollars to a Payee located in the United States. We reserve the right to restrict categories of Payees to whom payments may be made using the service. You should not use the service to make:

  • Tax payments
  • Court-ordered payments
  • Payments to settle securities transactions
Canceling Your Mobile Banking

If you choose to cancel your Mobile Banking services, any unprocessed Bill Payments and/or Transfers will be cancelled. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service. Eagle Bank and Trust Company of Missouri will cancel any scheduled payments within two (2) bank business days from the date we receive your request to discontinue the service. If you close your primary checking account, or if it's no longer linked to your service, your Mobile Banking service will end, and any unprocessed payments will be cancelled. If you cancel your Mobile Banking services, transfers will also be cancelled.

Joint Accounts

When your Mobile Banking service is linked to one or more joint accounts, we must correspond with the person associated with the user profile.

Changes to Agreement

We may change this agreement at any time. For example, we may add, delete or amend terms or services. We will notify you of such changes by mail or electronic message. If you initiate any transfer of funds or bill payment through your Mobile Banking after the effective date of a change, you indicate your agreement to the change.

Cancellation

Your Mobile Banking remains in effect until it is terminated by you or Eagle Bank and Trust Company of Missouri. You may cancel your service at any time by notifying us of your intent to cancel in writing or by calling the Mobile Banking Department at 636-461-3590. This cancellation applies to your Mobile Banking services, and does not terminate your Eagle Bank and Trust Company of Missouri deposit or credit accounts. We recommend that you cancel any scheduled payments prior to notifying us that you are discontinuing the service.

We may terminate your participation in Mobile Banking services for any reason, including inactivity, at any time. We will try to notify you in advance, but we are not obliged to do so.

Use of External Email Address

With Mobile Banking services, we may send messages to your external email address and notify you that responses to your payment inquiries or customer service inquiries are available, or as otherwise described within the Mobile Banking services. If you subscribe to the eBill service, we may also use external email to notify you that you have new bills. We cannot act on instructions sent by you from an external email address. You should notify the Mobile Banking Department either in writing or by calling to provide instructions to the Eagle Bank and Trust Company of Missouri. If, for any reason, your external email address changes or becomes disabled, please contact the Eagle Bank and Trust Company of Missouri immediately so that we can continue to provide you with automated messages. You may notify us of any changes to your external email address by contacting the Mobile Banking Department at 636-461-3590.

Transfers From Savings and Money Market Deposit Accounts

Federal regulations and the deposit agreement impose limits on the number of certain types of withdrawals and transfers you can make each month from a savings and money market deposit account. You can make no more than a total of six (6) automatic or preauthorized transfers, telephone transfers, or Mobile Banking transfers or payments from a savings or money market deposit account each monthly statement cycle (each month for savings accounts with a quarterly statement cycle). If you exceed these limits on more than an occasional basis, we convert your account to another type of account and your account may no longer earn interest.

Each transfer or payment through the Mobile Banking services from your savings or money market deposit account is counted as one of the six limited transfers you are permitted each statement period. We recommend that you not use a money market deposit account as your bill payment account because of these limits on transfers. Please review the deposit agreement for your account for more information.

Contact by Eagle Bank and Trust Company of Missouri or Affiliated Parties

No Eagle Bank and Trust Company of Missouri employee, nor any company affiliated with Eagle Bank and Trust Company of Missouri will contact you via email or phone requesting your Mobile Banking Username or Password. If you are contacted by anyone requesting this information, please contact us immediately.

Disclosure of Account Information

We may disclose information to third parties about you or your transactions in the following instances:

  • When it's necessary for completing transfers or bill payments, or to investigate or resolve a problem related to a transfer or payment
  • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant
  • To comply with a government agency or court orders, or in connection with fraud prevention or an investigation
  • If you give us your permission
  • On a closed account, if we reasonably believe you have mishandled it
Account Statements

We report your Mobile Banking transactions on the monthly statements for your linked accounts. A description of each transaction, including whom you paid, and the date and amount of the transaction will appear on your statement.

Electronic Funds Transfer Act

Indicated below are types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account. Please read these Terms and Conditions carefully because it tells you your rights and obligations for the transactions listed. You should keep these Terms and Conditions for future reference

Electronic Funds Transfers Initiated by Third Parties.

You may authorize a third party to initiate electronic funds transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to:

  • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or savings account(s).
  • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s).
  • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills.
  • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds.
Touch Tone Teller Telephone Transfers – types of transfers

You may access your account by telephone 24 hours a day at 1-877-965-1110 using your personal identification number, a touch tone phone, and your account numbers, to:

  • Transfer funds between checking and savings
  • Make payments from checking or savings to loan accounts with us
  • Get information about:
    • The account balance of checking or savings accounts
ATM Transfers – types of transfers and dollar limitations

You may access your account(s) by ATM using your VISA Check Card and personal identification number, to:

  • Make deposits to checking or savings account(s)
  • Get cash withdrawals from checking or savings account(s)
    • You may withdraw no more than $1000.00 per day at ATMs we own or operate
  • Transfer funds between checking and savings account(s)
  • Get information about:
    • The account balance of your checking or savings account

Some of these services may not be available at all terminals.

Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers.

Types of Visa Debit Card Point-of-Sale Transactions

You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale Transactions – dollar limitations and charges

Using your card:

  • You may not exceed $3,000.00 in signature based transactions per day and $1,000.00 for PIN based transactions per day
  • We will charge you $5.00 for a replacement card
Currency Conversion and International Transactions

(c) For point-of-sale (merchant) transactions using VISA Network and ATM transactions using NYCE and PULSE networks. When you use your VISA Debit Card for this type of transaction and it settles in a currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date.

Visa USA charges us a .8% International Service Assessment on all international transactions, if there is no currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. As a result, we will charge you a .8% international transaction fee on all international transactions if there is no currency conversion. If there is a currency conversion, we will charge you an international transaction fee of 1% of the transaction. An international transaction is a transaction where the country of the merchant is outside the USA.

(d) For ATM transactions using Cirrus network. When you use your VISA Debit Card for this type of transaction and it settles in a currency other than US Dollars, MasterCard/Cirrus will convert the charge into a US Dollar amount. The MasterCard/Cirrus currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard/Cirrus. The exchange rate MasterCard/Cirrus uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account.

MasterCard/Cirrus charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard/Cirrus charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we will charge you a currency conversion fee of .2% of the transaction if there is a currency conversion and a cross-border transaction fee of .9% of the transaction. The cross-border transaction fee is charged on all cross- border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder.

Advisory Against Illegal Use.

You agree not to use your card(s) for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Please see your cardholder agreement for additional information relating to the use of your VISA Check Card.

Non-Visa Debit Transaction Processing

We have enabled Non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a Non-Visa Network) without using a PIN.

The Non-Visa debit network(s) for which such transactions are enabled are: NYCE and PULSE networks. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, swiping the card through a point-of-sale terminal or bill payment.

Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN.

The provisions of your agreement with us relating only to Visa transactions are not applicable to Non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network.

*Visa Rules generally define PIN-Debit Network as a Non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

Online Banking Computer Transfers – types of transfers

You may access your account(s) by computer 24 hours a day by logging onto our website at www.eaglebankandtrust.com and using your login credentials, to:

  • Transfer funds between your checking and savings
  • Make payments from your checking or savings to loan accounts with us
  • Transfer funds between your account(s)at Eagle Bank and Trust Company of Missouri to an account you own at another Financial Institution
  • Make payments from your checking account to third parties using the Bill Pay feature
  • Get information about:
    • The account balance of checking, savings, loan, CD, and IRA accounts
    • Deposits and Withdrawals to your checking or savings accounts

Internal transfers submitted prior to 5:00 p.m. Central Time Monday – Friday, excluding Federal Holidays, will be processed the same business day. Internal transfers after 5:00 p.m. Central Time, Monday – Friday, weekends, and Federal Holidays will be processed the next business day.

External Transfers submitted prior to 4:00 p.m. Central Time Monday – Friday will be processed the same business day and credited to the External Financial Institution on the next business day.

Mobile Banking Transfers – types of transfers

You may access your account(s) 24 hour(s) a day through our iPhone, iPad or Android app and using your login credentials, to:

  • Transfer funds between your checking and savings
  • Make payments from your checking or savings to loan accounts with us
  • Make payments from your checking to third parties using the Bill Pay feature
  • Transfer funds between your account(s) at Eagle Bank and Trust Company of Missouri to an account you own at another Financial Institution
  • Get information about:
    • The account balance of checking, savings, loan, CD, and IRA accounts
    • Deposits and Withdrawals to checking or savings accounts

Transfers submitted prior to 5:00 p.m. Central Time Monday – Friday will be processed the same business day. Transfers after 5:00 p.m. Central Time, Monday – Friday, weekends, and Federal Holidays will be processed the next business day.

External Transfers submitted prior to 4:00 p.m. Central Time Monday – Friday will be processed the same business day and credited to the External Financial Institution on the next business day. External transfers made after 4:00 P.M. CST, weekends and federal holidays will be processed the next business day.

Limitations on frequency of transfers.

In addition to those limitations on transfers elsewhere described, if any, the following limitations apply:

  • For security reasons, there are other limits on the number of transfers you can make by ATM.
FEES
  • We do not charge for direct deposits to any type of account.
  • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees.

When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

DOCUMENTATION
  • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminals. However, you may not get a receipt if the amount of the transfer is $15 or less.
  • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, the person or company making the deposit will tell you every time they send us the money.
  • Periodic statements.
    • You will get a monthly statement from us for your transaction and MMDA accounts.
    • You will get a monthly statement from us for your savings accounts, unless there are no transfers in a particular month. In any case, you will get your statement at least quarterly.
PREAUTHORIZED PAYMENTS
  • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:
    • Call or write us at the telephone number or address listed in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.
    • We will charge you $30.00 for each stop-payment order you give.
  • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)
  • Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.

FINANCIAL INSTITUTION’S LIABILITY

Liability for failure to make transfers

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If you have an overdraft line and the transfer would go over the credit limit.
  3. If the automated teller machine where you are making the transfer does not have enough cash.
  4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  5. If circumstances beyond our control (such as fire, flood, or civil unrest) prevent the transfer, despite reasonable precautions that we have taken.
  6. There may be other exceptions stated in our agreement with you.
CONFIDENTIALITY

We will disclose information to third parties about the account or the transfers you make:

(5) where it is necessary for completing transfer; or
(6) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
(7) in order to comply with government agency or court orders; or
(8) as explained in the separate Privacy Disclosure

UNAUTHORIZED TRANSFERS

(a) Consumer Liability. Tell us AT ONCE if you believe your card, code and/or password has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your card and/or code, you can lose no more than $50 if someone used your card and/or code without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, code and/or password, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason (such as a long trip or a hospital stay) keeps you from telling us, we will extend the time periods.

Additional Limit on Liability for VISA Debit Card. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA Debit Card. This additional limit on liability does not apply to ATM transactions outside of the U.S., to ATM transactions not sent over Visa or Plus networks, or to transactions using your Personal Identification Number which are not processed by VISA. Visa is a registered trademark of Visa International Service Association.

(c) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in these Terms and Conditions. You should also call the number or write to the address listed in these Terms and Conditions if you believe a transfer has been made using the information from your check without your permission.

When you give someone your Mobile Banking credentials, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after the time you notify us are considered unauthorized.

Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions.

For your protection, Log Out after every Mobile Banking session.

ERROR RESOLUTION NOTICE

In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in these Terms and Conditions, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. 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.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (5 business days for VISA Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of- sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for VISA Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.

We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

You may ask for copies of the documents that we used in our investigation.

For accounts: If you are calling from outside of the continental U.S., call us Monday – Friday 8:00 a.m. – 5:00 p.m. Central Time at: 636-461-3500 or write to us at:

EAGLE BANK AND TRUST COMPANY OF MISSOURI
CUSTOMER SERVICE DEPARTMENT
903 Jeffco Executive Drive
Imperial, MO 63052
Business Days: Monday through Friday
Excluding Federal Holidays
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST

Our Liability for Failure to Complete Transactions

If we do not complete a transaction to or from your account on time, or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. For instance, we will not be liable:

  • under your overdraft protection plan, or credit to cover the transaction or transfer
  • If Mobile Banking services weren't working properly, and you knew about the malfunction when you started the transaction or transfer
  • If circumstances beyond our control (such as fire, flood, or civil unrest) prevented the transaction or transfer, despite reasonable precautions we've taken
  • If there are postal delays or processing delays by the Payee

There may be other exceptions not specifically mentioned.


Eagle Bank and Trust Company of Missouri’s Personal Mobile Check Deposit Service Terms and Conditions

The Personal Mobile Check Deposit Service Terms and Conditions (this agreement) contains the terms and conditions for the use of certain mobile check deposit services. Your use of the Services constitutes your acceptance of this agreement, which is effective as of the date you first elect to use the service. Other agreements you have entered into with Eagle Bank and Trust Company of Missouri (the bank, us, we or our) that govern your deposit account, including terms and conditions, deposit account agreement, Funds Availability disclosure and Customer Online Banking Agreement are incorporated by reference and made a part of this agreement. In the event of a conflict or inconsistency between the Deposit Agreements, this agreement, the terms of this agreement will control.

This service is not available to Money Service Business, owners or lessors, privately owned automated teller machines (ATMs) and Non-Bank Financial Institutions.

General Terms/Services

The Personal Mobile Check Deposit services ("Services") are designed to allow you to make deposits to your checking or savings accounts electronically through the use of a mobile device by delivering the images and associated deposit information to Eagle Bank and Trust Company of Missouri’s designated processor.

Acceptance of these Terms

Your use of the Services constitutes your acceptance of this Agreement. This Agreement is subject to change from time to time. We will notify you of any material change with a new Terms and Conditions at login to Mobile Banking. You will be prompted to accept or reject any material change to the Terms and Conditions the next time you use the Service after Eagle Bank and Trust Company of Missouri has made the change. Your acceptance of the revised terms and conditions along with the continued use of the Services will indicate your consent to be bound by the revised Terms and Conditions. Further, Eagle Bank and Trust Company of Missouri reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Services. Your continued use of the Services will indicate your acceptance of any such changes to the Services.

Limitations of Service

When using the Services, you may experience technical or other difficulties. Eagle Bank and Trust Company of Missouri is not responsible for any technical or other difficulties or any resulting damages that you may incur. Some of the Services may have qualification requirements, and we reserve the right to change the qualifications at any time without prior notice. We reserve the right to change, suspend or discontinue the Services, in whole or in part, or your use of the Services, in whole or in part, immediately and at any time without prior notice to you.

Service Hours

Mobile Check Deposit services are available 365 days a year and 24 hours a day, except during system maintenance and upgrades. Our Mobile Banking Department is available from 7:30 a.m. to 5:30 p.m. Central Time Monday-Friday excluding Federal Holidays, and can be contacted at 636-461-3590.

Fees

With the AmaZing Rewards – Elite account you are entitled to free Mobile Deposits. With all other accounts, you are entitled to two free Mobile Deposits per statement cycle. All deposits beyond the 2 free will incur a charge of $0.50 per deposit. You will see the fees assessed on your monthly bank statement.

Permitted Items

You agree to deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Eagle Bank and Trust Company of Missouri is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code.

We reserve the right to prohibit you from utilizing the Service for checks drawn on your accounts or drawn on the accounts of any of your household members.

You agree that you will not deposit any of the following types of checks or other items which shall be considered ineligible items:

  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into.
  • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
  • Checks payable jointly, unless deposited into an account in the name of all payees.
  • Checks previously converted to a substitute check, as defined in Reg. CC.
  • Checks drawn on a financial institution located outside the United States.
  • Checks that are remotely created checks, as defined in Reg. CC.
  • Checks previously converted to a substitute check, as defined in Reg CC.
  • Checks not payable in United States currency.
  • Checks dated more than 6 months prior to the date of deposit
  • Checks or items prohibited by Eagle Bank and Trust Company of Missouri’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Eagle Bank and Trust Company of Missouri’s account.
  • Checks payable on sight or payable through drafts, as defined in Reg. CC.
  • Checks with any endorsement on the back other than that specified in this agreement.
  • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution.
  • Checks or items that are drawn or otherwise issued by the U.S. Treasury Department.
  • Checks or items which are missing a sequence number and pre-printed address or account number of the account holder, which are sometime referred to as “Counter Checks”.
  • Savings Bonds
  • Canadian Checks
Endorsements and Procedures

You agree to endorse any item transmitted through the Services with "For Mobile Deposit Only” along with your signature on the endorsement line of the check to indicate that this item will only be deposited electronically. Eagle Bank and Trust Company of Missouri may refuse to accept items which are not endorsed in this manner. You agree to follow any and all other procedures and instructions for use of the Services required by Eagle Bank and Trust Company of Missouri.

Rejected Items

Deposit items which have been rejected may be resubmitted electronically. Ineligible deposit items or rejected deposit items containing the restrictive endorsement of “For Mobile Deposit Only” may be deposited at the teller line of any branch location. Acceptance of any such rejected deposit items containing the specified endorsement are at the sole discretion of Eagle Bank and Trust Company of Missouri.

Notice of Return Deposit

Returned Deposits: You specifically agree that we shall have no obligation whatsoever (including without limitation, to process, repair, return or represent) in connection with any failure of a permitted item, Electronic item, file or deposit to meet any specifications or requirement provided by us to you.

Representment: If we have credited your account for an Electronic item that is subsequently returned to us unpaid, we reserve the right to deduct the amount of the returned electronic item from your account, as well as any applicable fees. We may, solely at our option and without undertaking an obligation to do so, re-deposit the returned electronic item and deduct the applicable fee from your account and you shall hold us harmless for any and all fee or losses associated therewith. If we choose to re-deposit the returned electronic item, you agree that you have consented to this action and further agree that we have not waived or forfeited our right to deduct the amount of the returned check from your account by exercising the option to re-deposit.

Time and Manner of Return: You agree that you shall accept a returned deposit made via the Service at any time in the event such return was caused by or resulted from your failure to comply with this agreement. In the event of a return, you agree that such return may be made in any legally acceptable form (including without limitation, image, image replacement document). You may present the permitted item for deposit, in connection with a returned deposit, only by delivery of the tangible permitted item and only upon our prior written approval.

Receipt of Items

We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We are not responsible for items we do not receive or for images that are dropped during transmission. Receipt does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item.

Availability of Funds

You agree that items deposited using the Services may be delayed. In general, if an image of an item you transmit through the Service is received and accepted before 5:00 p.m. Central Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Funds deposited using the Services will generally be made available the next business day from the day of deposit; Eagle Bank and Trust Company of Missouri may, however, delay availability of funds based on such factors as Eagle Bank and Trust Company of Missouri, in its sole discretion, deems relevant. If we delay availability, you will be provided a written notice informing you when the funds will be available.

Deposited Funds on “Hold”

We may place a “hold” on your account for the amount of a deposited check to ensure that there are sufficient funds to cover the check amount if the deposited check is returned unpaid. If we do place a hold on your deposit, you will be notified of the dates the funds will be available for the payment of checks or withdrawals.

Disposal of Transmitted Items

Upon your receipt of a confirmation from Eagle Bank and Trust Company of Missouri that we have received an image that you have transmitted, you agree to prominently mark the item as “Electronically Presented” and to never re-present the item. You agree to retain the check for at least 30 calendar days from the date of the image transmission. After 30 days, you agree to destroy the check that you transmitted as an image, mark it "VOID", or otherwise render it incapable of further transmission, deposit, or presentment. Cross-cut shredding is strongly recommended for check destruction. During the time the retained check is available, you agree to promptly provide it to Eagle Bank and Trust Company of Missouri upon request.

Deposit Limits

Eagle Bank and Trust Company of Missouri has established limits on the dollar amount and/or number of items or deposits that you may make through Mobile Deposit. These limits are as follows:

  • Maximum Number of Deposits Per Day = unlimited
  • Maximum Business Day Daily Dollar Limit (across total deposits) = $5,000.00
  • Maximum Monthly Dollar Limit = unlimited

These limits may change from time to time. If you attempt to initiate a deposit in excess of these limits, the deposit will be rejected.

Presentment

The manner in which the items are cleared, presented for payment, and collected shall be in Eagle Bank and Trust Company of Missouri’s sole discretion subject to the Deposit Account Agreement governing your account.

Errors

You agree to notify Eagle Bank and Trust Company of Missouri of any suspected errors regarding items deposited through the Services right away, and in no event later than 30 days after the applicable Eagle Bank and Trust Company of Missouri account statement is sent. Unless you notify Eagle Bank and Trust Company of Missouri within 60 days, such statement regarding all deposits made through the Services shall be deemed correct, and you are prohibited from bringing a claim against Eagle Bank and Trust Company of Missouri for such alleged error.

Errors in Transmission

By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. Eagle Bank and Trust Company of Missouri bears no liability to you or others for any such intercepted or misdirected items, or for information disclosed through such errors.

Image Quality

The image of an item transmitted to Eagle Bank and Trust Company of Missouri using the Services must be legible, as determined by Eagle Bank and Trust Company of Missouri. Without limiting the foregoing, the image quality of the items must comply with the requirements established from time to time by Eagle Bank and Trust Company of Missouri, American National Standards Institute (ANSI), the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association.

User Warranties and Indemnification

You warrant to Eagle Bank and Trust Company of Missouri that:

  • You will only transmit eligible items.
  • Images will meet the image quality standards.
  • You will not transmit duplicate items.
  • You will not re-deposit or re-present the original item.
  • All information you provide to Eagle Bank and Trust Company of Missouri is accurate and true.
  • You will comply with this Agreement and all applicable rules, laws and regulations.
  • If you are aware of any factor which may impair the collectability of an item, you will not transmit the item.
  • You agree to indemnify and hold harmless Eagle Bank and Trust Company of Missouri from any loss for breach of this warranty provision.
Cooperation with Investigations

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

Termination

We may terminate this Agreement at any time and for any reason. This Agreement shall remain in full force and effect unless and until it is terminated by either party in writing. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purposes or if you use the Services in a manner inconsistent with the terms of your Deposit Account Agreement or any other agreement with us.

Enforceability

We may waive enforcement of any provision of this Agreement. No waiver of a breach of this Agreement shall constitute a waiver of any prior or subsequent breach of the Agreement. Any such waiver shall not affect our rights with respect to any other transaction or to modify the terms of this Agreement. In the event that any provision of this Agreement shall be deemed to be invalid, illegal, or unenforceable to any extent, the remainder of the Agreement shall not be impaired or otherwise affected and shall continue to be valid and enforceable to the fullest extent permitted by law.

Ownership and License

You agree that Eagle Bank and Trust Company of Missouri retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to Eagle Bank and Trust Company of Missouri’s business interest, or (iii) to Eagle Bank and Trust Company of Missouri’s actual or potential economic disadvantage. You may use the Services only for non-business, personal use in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse- engineer or reverse-compile any of the technology used to provide the Services.

Disclaimer of Warranties

You agree that your use of the services and all information and content (including that of third parties) is at your risk and is provided on an "As Is" and "As Available" basis. We disclaim 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 no infringement. We make no warranty that (i) the Services will meet your requirements; (ii) the Services will be uninterrupted, timely, secure, or error-free; (iii) the results that may be obtained from the Services will be accurate or reliable; or (iv) any errors in the Services or technology will be corrected.

Indemnity

You agree that Eagle Bank and Trust Company of Missouri will not be liable for any direct, indirect, incidental, special, consequential or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data or other losses resulting from the use or the inability to use the Services incurred by you or any third party arising from or related to the use of, inability to use, or the termination of the use of these Services, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if Eagle Bank and Trust Company of Missouri has been informed of the possibility thereof.

User Security

You agree to keep your mobile device secure and to Log Out and close your Mobile Banking Application when not in use. You agree to the security procedures used by the bank in connection with the Service. The Bank may employ various authentication technologies, including but not limited to use of a Username and Password. You understand and agree that you will be responsible for maintaining security and control over your Username and Password.


EAGLE BANK AND TRUST TEXT MESSAGE DISCLOSURE

Your wireless carrier's standard messaging rates apply to SMS correspondence. Eagle Bank and Trust Co. of Missouri does not charge for any content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose message or charge limitations on your account that are outside of our control. All charges are billed by and payable to your Wireless Carrier.

You represent that you are the owner, or authorized user of the wireless device you use to receive the service, and that you are authorized to approve the applicable charges imposed by your carrier.

We will send you a message only once, and only with your explicit agreement as indicated by your continuation of the process flow.

We will not be liable for any delays or failures in your receipt of any SMS messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an AS IS, AS AVAILABLE basis.

Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier's name, and the date, time, and content of your messages and other information that you may provide. We may use this information to contact you and to provide the services you request from us, and to otherwise operate, develop, and improve the service. Your wireless carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide to the service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the service, you agree to provide accurate, complete, and true information.

The service as well as the content and materials received through the service are proprietary to us and our licensors, and is for your personal, non-commercial use only. You shall not damage, impair, interfere with, or disrupt the service or its functionality.

SMS/Text services vary based on carrier and plan, providers may limit access to SMS/test outside the continental U.S. Please consult your carrier for plan limitations.

We reserve the right to alter charges and/or these terms and conditions from time to time. We may discontinue the service at any time. We may suspend or terminate the service to you without prior notice, if we believe you are in breach of our terms and conditions. Your service is also subject to termination in the event your wireless service terminates or lapses

If you have any questions, please send us an e-mail to treasury@eaglebankandtrust.com or call us at 636-461-3590.