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Centric Bank Mobile Deposit User Agreement

This Agreement sets forth the terms and conditions that apply to Centric Bank’s Remote Deposit Anywhere Service and your use of it. You accept and agree to be bound by these terms in order to use the Remote Deposit Anywhere Service and conduct mobile deposits. Other Agreements you have entered into with Centric Bank (“we”, “us”, “the Bank”), including your User Agreement, Mobile Banking Agreement, Deposit Agreement, Online Agreement and related disclosures and fee schedules are incorporated by reference and made a part of this Agreement. Further, you are required to comply with the Mobile Banking User Guide and the Frequently Asked Questions (FAQ’s) available on the Bank’s website at www.centricbank.com . Failure to comply with any of these terms may result in the suspension or termination of the Remote Deposit Anywhere Service. These terms and conditions may be amended, supplemented or changed at any time.

Service: The Bank’s Remote Deposit Anywhere Service is designed to allow you to make deposits to your checking or savings accounts from your camera-enabled mobile device. Capturing check images and information and delivering the items and associated deposit information to the Bank or the Bank’s third-party processor via a wireless connection.

Eligibility Requirements: You must be enrolled in Centric Bank’s Internet Banking. You must demonstrate financial responsibility with all Centric Bank accounts and have no more than two returned deposited items within the last 90 days. You must be at least 18 years of age. If you do not meet these criteria, your account may be disabled from RDA capabilities without prior notice.

Customer Acknowledgement: The Customer understands that any action taken pursuant to this Agreement will be conducted by electronic means that complies with the operating and security procedures applicable to this service. The Customer affirms that the Customer’s act described in this Agreement will be attributed to the Customer and will constitute the duly authorized electronic signature of the Customer.

Eligible items: Cash and coins are not accepted through Remote Deposit Anywhere. You may deposit checks only through RDA; however, the following types are not accepted:

  • U.S. Treasury Checks
  • Cashier’s Checks
  • Money Orders
  • Insurance Claim Checks
  • Checks that are not payable in US Dollars
  • Check that are not drawn on a branch within the US borders

Availability of Funds: For deposits made before 6:00 pm EST, funds will be available the next business day. For deposits made after 6:00 pm EST, funds will be available on the second business day. For new customers during the first 30 days, deposits will be made available on the fifth day after the day of your deposit.

Disposal of Transmitted Items: Place an indication on the check that you have deposited the item. Verify the deposit on your monthly statement. Retain and store the item for a minimum of 60 days in a secure manner. After 60 days of presentment, shred the item.

Deposit Limits: All items deposited via the Service are subject to Bank review and/or approval. The deposit limits set forth for personal customers is 10 items per month totaling $2500.00 per day and $5,000.00 per month. The deposit limit for business customers is customized and is based on the needs of the business customer.

Endorsement Requirements: You will be required to endorse the back of your check with your signature and the words “For mobile deposit at Centric Bank” before taking a photo of the check for deposit using our mobile banking app. Your check may be rejected without proper endorsement. After you’ve taken the photo of the check, please remember to mark the box on the back of the check indicating that the Mobile Deposit was made.

Change in Terms: This Agreement is subject to change from time to time. We will notify you of any material change, including fees, via email, text/statement message, or on our website(s). Your continued use of the Service will indicate your acceptance of the revised Agreement. Further, the Bank reserves the right, in its sole discretion, to change, modify, add, or remove portions from the Service.

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 us. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement if you use the Service for any unauthorized or illegal purposes or you use the Service in a manner inconsistent with other related agreements with us.

Disclaimer of Warranties: You agree that your use of the Service 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 Service, whether express or implied, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement. We make no warranty that the Service (1.) will meet your requirements, (2.) will be uninterrupted, timely, secure, or error-free,(3.) the results that may be obtained from the service will be accurate or reliable, and(4.) any errors in the Service of technology will be corrected.

Limitation of Liability: You agree that we 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 Service 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 this Service, regardless of the form of action or claim (whether contract, tort, strict liability or otherwise), even if we have been informed of the possibility thereof.