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FCN BANK TERMS & CONDITIONS

Terms of Use

THESE TERMS GOVERN THE USE OF THIS WEBSITE. PLEASE READ THEM CAREFULLY BEFORE ACCESSING THE SITE. IF YOU DO NOT AGREE WITH THESE TERMS DO NOT ACCESS THE WEBSITE. BY ACCESSING THE WEBSITE OR ANY OF ITS PAGES YOU AGREE TO BE BOUND BY THESE TERMS OF USE.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page. The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the State of Indiana.

Below you will find our Terms & Conditions for:

Mobile Deposit Anywhere Terms and Conditions

FCN Bank Mobile Banking Remote Deposit Anywhere Terms and Conditions for Consumer and Small Business Customers

These Mobile Deposit Anywhere Terms and Conditions (the “Mobile Deposit Anywhere Terms” or “Terms”), as they may be amended from time to time govern your use of the FCN Bank Mobile Banking Remote Deposit Anywhere Service (“Mobile Deposit Service” or “Service”). These Terms amend and supplement the FCN Bank Mobile Banking Services Agreement (the “Mobile Banking Agreement”) and the FCN Bank Online Banking Agreement (the “Online Banking Agreement”). These terms will become a part of your Mobile Banking Agreement with us when you accept them by clicking on “Agree” at the time you enroll in this service, or when you use the Mobile Deposit Service for the first time. You should keep an active email address on file within our Online Banking Service and check your email after making a deposit to verify that the deposit was transmitted successfully and was accepted for deposit to your account.

In these Terms, “we,” “us” and “FCN” mean FCN Bank, N.A., and “you” means any person who owns a consumer or small business Bank Account at FCN that accesses the Mobile Deposit Service. “Bank Account” means any account at FCN Bank to which you have access through Mobile Banking. In the event of any inconsistency between these Terms and either the Mobile Banking Agreement or the Online Banking Agreement, these Terms will control with respect to the Mobile Deposit Anywhere Service. Please read these Terms carefully.

1. Description of Mobile Deposit Anywhere Service. The Mobile Deposit Anywhere Service allows consumer and small business customers of FCN to make deposits to their FCN checking and savings bank accounts using a compatible mobile device. You may access the Mobile Deposit Anywhere Service using the FCN Mobile App on your mobile device. You can download the FCN Mobile App from the iTunes® Store or Google Play™ store. To use the service, simply take a picture of the front and back of a check that is payable to you (a “Check”) with the Mobile App and digitally transmit the images to us for deposit into your bank account after selecting the bank account into which deposits may be made through the service in our Online Banking Service. The bank accounts that are eligible for this service will be displayed once you sign into the FCN Mobile App. However, Health Savings Accounts that you have with us are not eligible for the Remote Deposit Service. You may not use the Mobile Deposit Service to deposit “Ineligible Checks” as defined in Section 9 below. You may not make a deposit through the Mobile Deposit App from a location outside of the United States or U.S. Territories.

2. Our Deposit Account Agreement is part of this Agreement. Our Deposit Account Agreement contains additional terms and conditions that apply to your bank accounts and this service. (The Deposit Account Agreement is found in the “Important Information Regarding Your Deposit Accounts” packet that you received when you opened your bank account, and the Deposit Account Agreement includes all current amendments.) Visit any FCN Bank location if you would like a copy of our Deposit Account Agreement. The Deposit Account Agreement includes representations and warranties you make to us when you deposit checks into one of your bank accounts, our rights and your obligations if a check you deposit is returned unpaid, and similar matters. Except as expressly amended by these Terms, all the provisions of the Deposit Account Agreement apply to the Mobile Deposit Service and to Checks that you send us through the service.

3. Fees. We currently charge a fee of $1.00 per item for each Mobile Deposit. Fees related to your deposit account activity, such as for returned checks or obtaining copies of statements, apply when you use the service. We reserve the right to change the fees charged for this service in the future.

4. Limits on the Amount and the Number of Checks You May Deposit Through Mobile Banking. There are limits on the number and dollar amount of checks you can deposit using the Mobile Deposit Service. Limits are set at the account level. We limit the number of deposits you may make daily and monthly using the Mobile Deposit Service, and there is a dollar limit on individual Checks and on the total dollar amount of deposits you may make per day and per month using the Mobile Deposit Service (collectively our “Deposit Limits”). Those limits vary depending on factors such as the type of bank account you have, whether you are a consumer or small business customer, the length of time your bank account has been open, and your deposit history with us. The term “Single Check Limit” means the maximum dollar amount of any Check that you may deposit using the Service. “Daily Limit” means the total dollar amount of deposits that you may make through the Service per day. “Daily Count Limit” means the total number of Checks that you can deposit using the Service on any day. The “Multi-Day Limit” is the maximum dollar amount of Checks that may be deposited using the Service during any thirty (30) consecutive calendar days. “Multi Day Count Limit” means the total number of Checks that you can deposit using the Service during any consecutive thirty (30) calendar day period. For consumer banking customers who have had a bank account with us for three months or less and whose account has been maintained in a satisfactory manner, your Single Check Limit and your Daily Limit is $500. Your Daily Count Limit is 3 Checks. Your Multi-Day Limit is $1,000, and your Multi-Day Count Limit is 5 Checks.

For consumer banking customers who have had a bank account with us for more than three months, and whose account has been maintained in a satisfactory manner, your Single Check Limit and your Daily Limit is $2,500. Your Daily Count Limit is 10 Checks. Your Multi Day Limit is $10,000, and your Multi-Day Count Limit is 25 Checks.

For small business customers whose accounts have been maintained in a satisfactory manner, your Single Check Limit and your Daily Limit is $10,000 for small business account types. Your Daily Count Limit is 15 Checks. Your Multi-Day Limit is $30,000, and your Multi-Day Count Limit is 40 Checks.

If you attempt to deposit Checks to your account through the Mobile Deposit Service that exceed any of your Deposit Limits, we may reject your deposit. If we reject your deposit, funds from that deposit will not be credited to your bank account. The service may alert you at the time that you submit a Check for deposit that the Check exceeds one of the Deposit Limits. But we may also notify you after your deposit has been successfully transmitted that we have rejected your deposit. If we reject your Check after it has been transmitted, we will send you an email telling you that within one (1) business day after we received it. If we reject a Check through the Service, you may bring the Check to one of our branches for deposit. You should keep the original Check for at least 45 days after you transmit the image to us for deposit, in case you need the original later.

We can change the Deposit Limits at any time at our sole discretion, and the changes may be effective immediately. If we change the Deposit Limits, we may provide notice to you in the service or in an email to you, and your use of the service after that notice will constitute your consent to the change. But we may change the Deposit Limits or decline to accept any more Checks from you for deposit through the service without prior notice to you if we believe that it is necessary under the circumstances to protect ourselves from possible losses, or because you have not complied with the Terms governing this service or you have not complied with our Deposit Account Agreement. We may accept and process the Checks, at our sole discretion, that exceed the Deposit Limits or that are Ineligible Checks. Our acceptance of a Check in excess of any Deposit Limits or of an Ineligible Check does not require us to accept those types of Checks at a future time.

5. Transmission and Acceptance of Images; Image Quality. In order to deposit a Check using the Mobile Deposit Service, you must send us an image of both the front and back of each Check and enter the amount of the Check in the Service. The front image must clearly display the entire MICR line (the line that shows the check’s routing number and account number). After capturing the images, you should look at them to make sure they are legible and verify and validate the total amount of the deposit. The image quality of each Check must meet the requirements established from time to time by the American National Standards Institute, the Board of Governors of the Federal Reserve System, and any other regulatory agency, clearing house or association (our “Check Standards”). You acknowledge that you are solely responsible for the quality, completeness, accuracy, validity, and integrity of each Check sent by you for deposit to your bank account. Upon receipt of Checks through the service, we may examine the Checks to ensure they are not Ineligible Checks (as defined in Section 9 below) and we may, at our sole discretion, reject and not accept the Check or elect to accept and process the Check. No deposit is complete until we have notified you of our acceptance of your Check. If your Check image does not meet the Check Standards, or if we otherwise determine that we cannot process a Check you send us because, for example, it is an Ineligible Check (a “Rejected Check”), we will we notify you at the time you submit the deposit (if that information is available at the time), or in an email to the address you have provided in our Online Banking Service. If we notify you that we have rejected the Check for deposit, you may usually re-image the Check (as long as the Check is not an Ineligible Check and the image meets the Check Standards) and resubmit it for deposit to your bank account using the service, or you may deposit the original by another means. We may, at our option and solely for our benefit, also perform other risk management steps to detect potentially fraudulent checks and/or check for viruses and malware, and, in our sole discretion, reject any Check.

6. When Checks Are Considered Received Through Mobile Banking; Cut Off Time. A Check that you submit through the service is considered received by us for deposit when the Check has been successfully transmitted to us and you receive an email notice that we have accepted the Check for deposit. On any day that is a business day, we usually review a Check within an hour after it is transmitted to us, but it may take up to a full business day for us to review your deposit. Images of Checks that are accepted by our Mobile Banking Service by 4:00 p.m. Eastern Time on one of our business days (the “Cut-Off Time”) will be considered received by us on that business day. Checks that are reviewed and accepted after the Cut-Off Time or on a non-business day (e.g. a Saturday, Sunday or holiday) are considered to have been received by us on the next business day.

7. When Funds from Your Check Deposited Through Mobile Banking Will be Available. Funds from Checks deposited through our Mobile Banking Service may not be available for immediate withdrawal. If your Check has been successfully transmitted to us and accepted for deposit through the service (i.e. you have received an email from us that says the Check has been approved), the deposit will be available when our end of day process has been completed for that business day.

However, longer delays may apply. Our Deposit Account Agreement describes all the circumstances under which funds you deposit by check (including Checks that you have sent to us through our Mobile Banking Service) may be delayed. See the section labeled “Your Ability to Withdrawal Funds” of our Deposit Account Agreement, titled “Important Account Information for our Customers.” Funds availability may be delayed for up to seven (7) business days.

We will send you a notice if we delay the availability of funds from your Check deposit beyond the day your deposit has been accepted.

8. Your Representations and Warranties. By sending the image of a Check to us through the service, you represent and warrant to us that as of that date: (a) each Check is an “item” (as defined in Article 4 of the UCC) and is acceptable for deposit under the Deposit Account Agreement; (b) the Check contains a preprinted serial number; (c) the Check is valid, accurate, complete, and authentic; (d) the Check was completed and duly signed by the drawer, who is the drawer named on the Check; (e) the Check is payable directly to you and that you have endorsed the Check (but we may consider the Check as including your endorsement even though you have not signed the Check), (f) the Check amount is in the exact amount of the goods or services purchased or is otherwise owing to you; (g) any goods or services for which the Check was tendered to you have been delivered to the drawer and have not been returned or disputed; and (h) the Check is not an Ineligible Check. In addition, you make the same representations and warranties to us with regard to each Check transmitted by you through the Mobile Deposit Service pursuant to these Terms as you make under our Deposit Account Agreement and the UCC if you presented the original check or other item to us, rather than the Check images. You agree to indemnify FCN for claims, losses or damages arising out of any breach by you of these representations and warranties.

9. Ineligible Checks. You agree that you will not image and attempt to deposit any of the following types of checks or items using the Mobile Deposit Service (we call these “Ineligible Checks”):

a) foreign checks (meaning checks drawn on financial institutions that are located outside the United States or its territories or that otherwise do not clear through the Federal Reserve System).

b) “starter checks” or checks that do not have pre-printed account numbers and check numbers that are not written in magnetic ink.

c) any checks or items made payable to any person, company or party other than you (i.e., any third-party check).

d) checks or items containing an alteration on the front of the item, or which you know or suspect, or should have known or suspected, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.

e) checks that are remotely created as defined by Reg. CC or which are not in original form or are “substitute checks.”

f) U.S. savings bonds.

g) checks or items that are stale-dated or more than six (6) months old.

h) checks or items that are post-dated or future-dated.

i) checks or items not payable in U.S. currency.

j) checks or items which have been previously deposited in any manner (including use of the Mobile Deposit Service or other means), except as expressly allowed under these Terms.

k) other types of checks or items identified by FCN as ineligible for the Mobile Deposit Service, or for deposit in your bank account generally.

10. Endorsements. You should restrictively endorse any item transmitted through the Mobile Deposit Service, by adding the required words of “Mobile Deposit Only FCN Bank [Date]” with your signature on the back of the Check. You agree to follow any other instructions for use of the Mobile Deposit Service that we may establish from time to time. Failure to properly endorse the Check and/or follow the instructions and procedures for the Mobile Deposit Service might cause delay in processing the Check. If there is no endorsement and signature on the back of the Check, we will not accept it for deposit through this Service.

11. Your Obligations After You Transmit a Check to Us. We will process for deposit the Checks you submit to us, subject to our right to rejected Checks and Ineligible Checks and your compliance with these Terms and the Deposit Account Agreement. Upon your receipt of confirmation from us that we have accepted an image of the Check you transmitted, you should write “Mobile Deposit Only FCN Bank [date]” in a blank space on the face of the Check. You must then safeguard the security of the original of the Check for at least forty-five (45) days and thereafter must destroy the original of the deposited Check in a secure manner such as by shredding. During the time that you hold the original Check, you agree to make it available to us at no cost on request at any time. You agree to cooperate with us in the investigation of any unusual transactions, poor quality images, or other problems related to the Check. After you destroy the original Check, you will be able to get an image of the Check that you deposited from us.

12. Your Responsibility for Multiple Deposits of the Same Check. You acknowledge and agree that you will bear sole responsibility and liability in the event of multiple deposits of the same Check, whether such multiple deposits are intentional or unintentional and whether resulting from fraud or for any other reason whatsoever, and whether such multiple deposits are made electronically or as paper checks with us or any other financial institution or any combination thereof. You agree that we may debit the amount of any such Check which is deposited more than once from your bank account, and to the extent funds in your bank account are insufficient to cover that amount, then any balance may be debited by us from any of your other bank accounts, as we determine in our sole discretion. You further acknowledge that you are fully responsible for the original Checks which are imaged and deposited using the Mobile Deposit Service and that the liability to the maker of any Check so imaged which may result from your use of the Mobile Deposit Service or from the necessity of our printing substitute checks from the images thereof transmitted by you to us shall be solely your liability and that we shall have no liability whatsoever therefore. You agree that we have no liability or responsibility for any failure to detect a duplicate Check.

13. Presentment of Checks. Unless otherwise agreed to in writing by us, we will, in our sole discretion, determine the manner in which Checks will be presented for payment to the drawee bank. Likewise, we will, at our sole discretion, select the clearing agents used to collect and present the Checks and our selection of the clearing agents shall be considered to have been designated by you. We shall not be liable for the negligence of any clearing agent. You agree to be bound all clearinghouse Rules and Regulations and the Regulations of the Board of Governors of the Federal Reserve.

14. Physical Delivery. You agree that if for any reason you are not able to image and transmit Checks to us, including, without limitation, communications, equipment or software outages, interruptions or failures, you will be responsible for using other means to deposit the original checks. The deposit of original checks at a FCN location or ATM shall be governed by the terms and conditions contained in the Deposit Account Agreement and not by these Mobile Deposit Anywhere Terms.

15. Returned Checks. We will process and return unpaid Checks in accordance with applicable laws and regulations and the Deposit Account Agreement. If Checks previously deposited are dishonored and returned unpaid, you understand and agree that, since you either maintain the original Check or have destroyed the original Check in accordance with these Terms, the original Check will not be returned to you, and we may reverse any credit for the Check that was provided to you. You understand and agree that the image may be in the form of an electronic or paper reproduction of the original Check or a substitute check.

16. Limitation of Liability. In addition to, and not in lieu of, the limitations of liability set forth elsewhere in the Online Banking Agreement or Mobile Banking Agreement, you agree that you shall remain liable for and that we shall not be accountable to you for any Check that is not received and accepted by us or is intercepted or altered by an unauthorized third party. You agree that we shall have no obligation to accept a Check and therefore may reject any Check you submit. We have no obligation to notify you of the rejection of any Check but will make reasonable efforts to do so. We shall have no liability to you for any Ineligible Checks or for the rejection of any Check or for failure to notify you of a rejection. We are not responsible for detecting any errors contained in any Checks created by you and transmitted to us. We are not responsible for examining the Checks to verify any data or dates and will disregard any restrictive notation of any kind other than “Mobile Deposit Only FCN Bank [Date]”. Except as otherwise provided in Section 18 below (Additional Regulatory Disclosures), we provide the Mobile Deposit Service to you as a convenience, on an AS IS, AS AVAILABLE basis. You agree that we will have no liability or responsibility for any failure to detect duplicate Checks, fraudulent Checks or any errors in data that you enter into the service regarding Checks, or for verifying any dates or data, and, except as otherwise expressly set forth in this Agreement, we have a right to disregard any restrictive notation on the Checks of any kind.

You may periodically experience technical or other difficulties when using the Mobile Deposit Service. We are not responsible for any difficulties or interruption to the service you may experience, or any damages you may suffer as a result of those kinds of problems. We may change one or more of features of the service in our sole discretion at any time without prior notice except as required by law. We also reserve the right to change, suspend, or terminate your right to use the Mobile Deposit Service in whole or in part in our sole discretion at any time without prior notice to you. The acceptance of a Check via the Mobile Deposit Service is provisional, and we reserve the right to reject any Check upon further review as set forth in Section 6 above. If you violate these Terms, the Mobile Banking Agreement, our Deposit Account Agreement, we may terminate your access to the service or your account relationship with us.

17. Indemnity. In addition to, and not in lieu of, the indemnification provisions of the Online Banking Agreement and Mobile Banking Agreement, you agree to indemnify and hold FCN Bank and its directors, officers, employees and agents harmless from all losses, liability, claims, demands, judgments and expenses (including attorney’s fees and expenses) arising out of or in any way connected with any of the following: your use of the Mobile Deposit Service, your negligence or willful misconduct, your breach or violation of any term, provision or representation contained herein, the multiple submission for deposit of imaged Checks using the Mobile Deposit Service, the submission of fraudulent items using the Mobile Deposit Service, any failure of your mobile device or the software or any disruption in the transmitting of any images or data by you to us, your failure to endorse any Checks electronically transmitted by you to us, your failure to destroy the originals of imaged Checks submitted by you using the Mobile Deposit Service within the time frame provided for, any misuse of the mobile device or the herein designated hardware or software by you or by any individual or entity acting on your behalf or within your control , or your failure to comply with any applicable federal and state statutes, rules and regulations in force pertaining to or Mobile Deposit Services procedures for the Mobile Deposit Service or to the deposit of Checks in your bank account.

18. Additional Regulatory Disclosures. The following regulatory disclosures apply only to consumer customers who use our Mobile Deposit Service to deposit Checks into bank accounts that are maintained primarily for personal, family or household purposes.

a) Our Liability for Failure to Complete Transactions. We will process and complete all electronic deposits properly initiated through the service in accordance with these Remote Deposit Terms. If we do not complete an electronic deposit to a consumer’s bank account on time or in the correct amount under these Terms, our liability is limited to your direct damages proved. However, we will not be liable if:

i. You have not provided us with the correct Check information through the Service.

ii. The electronic deposit would exceed the applicable Deposit Limits referenced in Section 4 of these Terms.

iii. The Check image transmitted to us through the Service is illegible, incomplete, or otherwise does not meet the Check Standards referenced in Section 5 of these Terms, and we therefore reject the Check for deposit electronically.

iv. The service, the FCN Mobile App, or your Smart Phone or other electronic device through which you attempt to deposit the Check is not working properly.

v. The Check is returned to us unpaid for any reason.

vi. Another financial institution mishandles or delays handling a Check that we have sent for collection.

vii. Circumstances beyond our control prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances.

viii. If you have violated the terms of our Mobile Banking Agreement, Online Banking Agreement or Deposit Account Agreement, or as otherwise set forth in these Terms.

b) Statements. All of your deposits made through the service will appear on your account statement(s). You can also access information about your banking transactions, including your electronic deposits, through the Mobile Banking Service or our Online Banking Service.

c) Business Days/Hours of Operation. Our business days are Monday through Friday, except bank holidays. Although the Service is generally available 24 hours a day, 7 days a week, acceptable images of Checks must be received by us through the service no later than the “Cut-off Time” on our business days referenced in Section 6 of these Terms. However, the service is not available during scheduled maintenance periods and during unscheduled system outages.

d) Notice of Your Rights and Liabilities. Tell us AT ONCE if you believe that one or more of your security codes (such as your User ID or Password) have been lost or stolen. Otherwise, you could lose all the money in your Accounts accessed by the service. Telephoning is the best and fastest way of keeping your possible losses down. If you believe your security code has been lost or stolen or that someone has transferred or may transfer money to or from your Account without your permission, call 800-575-3262 or write to:

FCN Bank – Online Banking Dept.
501 Main Street
PO Box 37
Brookville, IN 47012

If you tell us within two (2) business days after you discover that your security code has been lost or stolen, you can lose no more than $50.00 if someone used your security code without your permission. If you do not tell us within two (2) business days and we can prove we could have stopped someone from using your security code without your permission if you had told us, you could lose as much as $500.00 or a lesser amount as permitted by state law. Also, if your statement shows payments or transfers that you did not make or authorize, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money you lost after the sixty (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 hospital stay) prevented you from telling us, we may extend the time periods.

e) Errors and Questions. In case of errors or questions about your electronic transfers or payments, you should:

i. Telephone FCN Bank Support at 800-575-3262

ii. Write to:
FCN Bank – Online Banking Dept.
PO Box 37 Brookville, IN 47012

We must hear from you no later than sixty (60) days after you received the FIRST statement or notification on your PC or other electronic device in which the problem or error appeared.
(a) Tell us your name and Account Number.
(b) 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.
(c) 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 ten (10) business days.

iii. We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty- five (45) days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days 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 do not receive it within ten (10) business days, we may not credit your account. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error.

iv. If we decide 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.

f) Disclosure of Account Information to Third Parties. We will disclose information to third parties about your Accounts or the transactions you make:

i. Where it is necessary for completing a transaction, responding to a claim with respect to a Check deposited to your Account electronically, or for administering your bank account; or

ii. In order to comply with the order of a governmental agency or court or a subpoena; or

iii. If you give us your written permission; or

iv. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or

v. As provided in our Privacy Policy; or

vi. As otherwise provided by Indiana or federal law.

19. Ratification of Agreements. Except as expressly modified in these Mobile Deposit Anywhere Terms, the Deposit Account Agreement, Mobile Banking Agreement and Online Banking Agreement remain unchanged and you hereby confirm and ratify your acceptance of these agreements.

Online Bill Pay Terms and Conditions

FCN Bank Bill Pay Agreement / Terms and Conditions for the Standard Bill Pay Service, Person-to-Person (P2P) Payments and ACH Payments

Welcome to FCN Bank’s Online Banking Bill Pay Service. Use of the Bill Pay Service indicates acceptance of terms and conditions set forth in the Online Banking Agreement & Disclosures and the terms and conditions set forth in this Bill Pay Agreement & Disclosures (“Agreement”) as each may be jointly and/or independently amended from time to time. By accepting this Agreement, you agree to the Terms and Conditions. Please read the Agreement carefully as it is our legal agreement with you that governs your use of our Bill Payment Service.

Through online banking you may access our optional Bill Pay Service. The Bill Pay Service allows you to schedule payments through the Internet for current, future, and recurring bills from your checking account. This traditional Bill Pay service includes the option to pay individuals via ACH or mailing address. In addition to the traditional Bill Pay Service you can also make P2P payments (Person-to-Person). This P2P service allows you to send funds to an outside customer via an email with instructions detailing how the receiving party can be sent the funds. The recipient determines the bank where the funds will be deposited without disclosing account information directly to the sender.
You may use FCN Bank’s Bill Pay Service to make payments from your designated checking account to the Payees you choose in accordance with this Agreement. The terms and conditions of this Agreement are in addition to the agreements, disclosures and other documents in effect from time to time governing your deposit account with us, including the Deposit Account Agreement & Disclosures (“Deposit Agreement”), and the Online Banking Agreement & Disclosures.

“Bill Pay Service” and/or “Service” means the bill pay service that FCN Bank makes available over the Internet with iPay and is also a Service under the Agreement. “Bank”, “we”, “our”, or “us” means FCN Bank. “Account” means the deposit account you designate to process Bill Payment transactions through. “Payee” or “Merchant” means anyone you designate, and we accept as a payee. “Payment” means your remittance to a payee.

Requirements & Restrictions. To subscribe to Bill Payment, you must have a checking account in good standing with FCN in accordance with our criteria. If you have more than one checking account with FCN, you will need to select which checking account you want to use as you pay each bill on the system.
The standard Bill Pay Service is currently offered at no cost to you. It is a free service. However, the additional P2P feature does have a fee of $1.00 per use. Contact an FCN Bank Customer Service Representative for more details at 800-575-3262. Fees related to your deposit account activity apply when you use this service. We reserve the right to change the fees charged for this service in the future.

If an individual, business, or organization gives their online banking ID or password to an accountant or someone other than the person filling out the application, the account holder, business or organization is liable for all payments made through the Bill Pay System. By allowing someone else access to your Online Banking information you are also giving them access to the Bill Pay System. FCN Bank is not liable for any transactions processed through the system if the user ID and password were given to anyone that did not fill out the application.

The Bill Pay System is restricted to pay a maximum of $50,000 per item/check. The Person-to-Person Payment (P2P) via email is limited to $1,000 per item and $2,500 per day. The Pay an Individual via ACH or via account information is limited to $1,000 per item and $2,000 per day.

Requirements for dual signatures on checks do not apply to the Bill Payment Service.

Payee Designation. You can use the Bill Payment Service to make payments to almost any Payee or Merchant, including individuals, local service providers, utilities, credit cards, mortgage or loan payments, or charitable donations, etc.
The Bill Payment Service cannot be used to make payments for the following:

Tax payments to the Internal Revenue Service or any state, local or other government agency;
payment of illegal transactions;
Court-ordered payments such as child support or alimony; and
Payees located outside of the United States.
By furnishing us with the names of your Payees (Merchants and/or individuals) and their addresses, you give us authorization to follow the Payment instructions that you provide to us. When we receive Payment instructions for the current date or a future date, FCN will remit the funds to the Payee on your behalf from the funds in your designated Account; on the day you have instructed them to be sent (“Payment Date”). We are not obligated to pay funds from your Account if the available Account balance is insufficient to cover the Payment. Funds for bill payments paid electronically will be withdrawn from your account on the scheduled payment date. Funds for bill payments paid by check will be withdrawn from your account when the check clears during the normal paper check process.

We are not responsible if a Payment cannot be made due to incomplete, incorrect, or outdated information provided by you regarding a Merchant, or if you attempt to pay a Merchant that is not on your Merchant Accounts list.

Making / Scheduling Payments. You may use the Bill Payment Service to authorize recurring payments or non-recurring payments. Recurring payments are payments that you schedule in advance to recur at substantially regular intervals in the same amount to the same Payee. Non-recurring Payments are a single, one-time Payment to a specified Payee.
Payments are processed Monday through Friday at 3:00pm Eastern Time, except on Federal holidays. If you attempt to schedule a Payment on a weekend or Federal holiday, you will be prompted to select a different date, or the Payment will be processed on the preceding business day if it is an automatic recurring Payment. The Payment method may be electronic or by check. Payment to a Merchant must be scheduled at least five (5) business days prior to the due date for each Payment (recurring or variable) to allow adequate time for the Payment to reach the Payee. The due date is the date the Merchant has designated for payment and should not be adjusted for any grace period or late date accommodations the Merchant may provide. It may take up to (10) business days for your payment to be processed by the Merchant.

Any Payments made with the Bill Payment Service require sufficient time for your Payee to credit your Account. To avoid incurring a finance charge or other charges, you must schedule a Payment sufficiently in advance of the due date of your Payment. If you fail to schedule your Payment according to the recommended timeframe, we will not be responsible for the late fees or finance charges. We will not be liable if any third party, through whom any Payment is made, fails to properly transmit the Payment to the intended Payee.

You agree to have available funds in the Account you designate in amounts sufficient to pay for all Payments requested, as well as any other payment obligations you have to us. We reserve the right, without liability, to reject or reverse a Payment if you fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds in your designated Account and we have not exercised our right to reverse or reject a Payment, you agree to pay for such payment obligations on demand. You further agree that FCN, at our discretion, may charge any of your accounts with us to cover such payment obligations.

Change or Delete Payments / Stop Payments. Any Payment can be changed or cancelled provided you access the Service prior to 3:00pm Eastern Time on the business day the Payment is going to be processed.
You may place a stop payment online, at the local FCN Branch or by calling 800-575-3262. If a check is created, you can stop payment up until the Payment has cleared. If it is an electronic payment you cannot do a stop payment.

We shall not be liable for a check if the stop payment is not presented prior to the time the check has cleared. Once the Payment has cleared, you can no longer stop payment.

Payment Guarantee. If all Payment guidelines were followed and a Payment is received late by a Merchant resulting in a late fee, at FCN Bank’s discretion, FCN Bank will make an attempt to have the Merchant waive the late fees. If the Merchant is unwilling to waive late fees, late fees will be covered by FCN Bank. However, due to factors beyond FCN Bank’s control such as the U.S. Mail and payment processing at the Merchant, it is not guaranteed that a Payment will be posted on the fifth business day (or second, if issued electronically). It is imperative to note that Merchant grace periods are not taken into consideration, and if adequate lead time prior to the payment due date was not allowed by you in scheduling the Payment this Guarantee is void.

NOTE: If the Merchant is not willing to discuss late fees or status of the account with FCN Bank, you will be notified and advised that the Merchant requires your authorization before further discussions can occur between FCN Bank and the Merchant.

You are solely responsible for controlling the safekeeping of and access to your Bill Pay information. You are liable for all transactions you make, or that you authorize another person to make, even if that person exceeds his or her authority. If you want to terminate another person’s authority, you must change your Online Banking log-in password. In the event that you have experienced unauthorized access to Bill Pay, you must notify us of the unauthorized access, identify any Payments made or potential Payments scheduled, and change your log-in information.

You will be responsible for any Payment request you make that contains an error or is a duplicate of another Payment. We are not responsible for a Payment that is not made if you did not properly follow the instructions for making the Payment. We are not liable for any failure to make a Payment if you fail to promptly notify us after you learn that you have not received credit from a Payee for a Payment. We are not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be our agent.

In any event, we will not be liable for any special, indirect, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if we have knowledge of the possibility of them. We are not liable for any act, failure to act or delay in acting if it is caused, in whole or in part, by any cause beyond our reasonable control.

Inactivity. If you do not access or use the Bill Pay Service for a period of more than 180 days, we may in our sole discretion, suspend your access to and use of the Bill Pay Service without notice to you.

We reserve the right to terminate your use of Bill Pay at any time without prior notice to you.
If, for any reason, you should want to terminate your use of our Bill Pay Service, we recommend that you cancel all future Payments and transfers at the same time you terminate the Service, either by deleting the Payments yourself or by contacting the Bank as stipulated below. We will delete all outstanding payments (both one-time and recurring), as part of your Service termination.

We are not responsible for any fixed Payment made before we have a reasonable opportunity to act on your termination notice. You remain obligated for any and all Payments made by us on your behalf through the Bill Payment Service.

Should you opt to discontinue any of the Accounts or Services to which this Agreement pertains, you must call us at 800-575-3262 or provide written notice to us immediately at the following address: FCN Bank, Attn: Online Banking Dept., PO Box 37, Brookville, IN 47012.

Agreement Assignment and Amendment. We may assign this Agreement to any affiliate, parent or other company. We may also assign or delegate certain of its rights and responsibilities under this Agreement to such third parties as we may elect upon notice to you whereupon we shall be released from any and all further liability or responsibility related thereto.

We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments. We may amend or cancel any provision or charge by disclosing the change electronically, and, at our discretion, by sending you notification in addition thereto. We will provide notice of thirty (30) days of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations.

If you have any questions or payment discrepancies, please contact our Online Banking Department at 800-575-3262.

FCN BANK LOCATIONS

Brookville

501 Main St.
P.O. Box 37
Brookville, IN 47012

ph. 765-647-4116
fax 765-647-3411

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Connersville

105 W. 3rd St.
Connersville, IN 47331

ph. 765-825-7251
fax 765-827-4418

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Batesville

1060 State Rd. 229 N.
P.O. Box 60
Batesville, IN 47006

ph. 812-934-9078
fax 812-933-0623

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Sunman

226 N. Meridian St.
P.O. Box 460
Sunman, IN 47041

ph. 812-623-8900
fax 812-623-8903

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Harrison

590 Ring Rd.
P.O. Box 511
Harrison, OH 45030

ph. 513-367-6111
fax 513-367-9222

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