(Effective September 24, 2019)
PLEASE READ THIS AGREEMENT CAREFULLY AND KEEP A COPY FOR YOUR RECORDS.
This Agreement and Consent to Electronic Disclosure, along with the terms and conditions of any optional related services in which you have enrolled (together, the "Agreement") sets forth the terms and conditions of the online banking service (the "Service") offered to you by Cathay Bank (“we”, "us", and "Bank"). This Agreement supplements, and supersedes where inconsistent, the terms of your account agreement with us. Your use of the Service will be deemed additional evidence of your agreement to these terms. If you want to receive this Agreement in hard copy through the mail, and do not want to receive it here, electronically, please notify our Customer Service Representative at: 800-922-8429.
You can use this Service to conduct the following activities:
You can access these functions through our web site: http://www.cathaybank.com. Our ability to provide certain services depends on our ability to obtain services from others and to access third party networks. In the event any provider or network is unavailable or we determine, in our discretion, that we cannot continue providing any third party network or service access, we may discontinue the related service or may provide the service through an alternate third party provider. In such situations, we will have no liability for the unavailability of access.
The terms of this Agreement apply to all joint account holders. Each signer on your account will be given a unique User ID and password. Accounts requiring two or more signatures are not eligible for the Service.
To use the Service, you must have the equipment described in the Consent To Electronic Disclosure section below. You are responsible for the selection, installation, maintenance, and operation of your hardware and software. We are not responsible for any errors, failures, or malfunctions of your hardware or software, or for any computer virus or related problems that may occur with your use of this Service. You are responsible for ensuring that your hardware and software are compatible with our system. We reserve the right to change our system requirements from time to time. Note: Some browser software may store user names and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser's "Help" screen for more information on this feature.
WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, IN LAW OR IN FACT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR PURPOSE OR OF MERCHANTABILITY, WITH RESPECT TO THE SERVICE OR ANY COMPUTER PROGRAMS, EQUIPMENT OR SOFTWARE THAT YOU USE IN CONNECTION WITH THE SERVICE.
You will need to enter a User ID and Password to access the Service. We may provide you with a Password or you may select your own Password. You agree to keep your User ID and Password secure and confidential. Never place them on or near your computer or mobile device. You should memorize your Password and change it periodically. We may act on any Service instruction that is accompanied by your User ID and Password. We may deny access to the Service if you do not enter your Password correctly several times. Persons granted a power of attorney over an account are not authorized to use the Service, and you agree not to provide them with your User ID or password.
You can use the Service to obtain account balance and transaction information anytime of the day, seven days a week, except when our system is unavailable for maintenance or other reasons. Please note that the information provided may not include recent transactions and may include funds that are not subject to immediate withdrawal.
We assume no responsibility for any loss arising from incomplete information or for any temporary interruption in our information system. If you are unable to access our system for any reason, you can contact your branch of account during regular business hours for loan and deposit information or call 800-922-8429 for automated account information.
You may make transfers between your eligible accounts with us. You may also transfer funds between your accounts with us and accounts you maintain at other U.S. financial institutions.
Eligible Accounts. Transfers may be made only to and from accounts in the United States, and only in U.S. dollars. Transfers cannot be made to or from time deposit accounts. We reserve the right to determine which accounts may be linked to the Service and, at our discretion, may refuse to allow certain accounts to be used with the Service. You may not make fund transfers to accounts you maintain at other financial institutions until those accounts have been set up and verified in your online banking profile. To do this you must log on to our online banking service. Set up for accounts you maintain at other financial institutions may require you to verify one or more micro-deposits or withdrawals made to those accounts. You agree to not use the Service for transfers to or from accounts maintained at other financial institutions unless you are an account holder on those accounts. Depending on the transfer type and your actions, it may take several days for accounts at other financial institutions to be set up and verified. You will see when those accounts are eligible for fund transfers in your online banking profile. NOTE: You cannot use your mobile device to set up your online banking profile to include accounts you maintain at other financial institutions.
Important Notice regarding Transfers from a Home Equity Line of Credit (HELOC). Funds transferred from your HELOC are considered advances on your credit line. There are no Loan Advance Transaction Fees charged when drawing from your HELOC account. However, each advance you request from your HELOC will accrue Interest Charges from the date the funds are transferred from the HELOC to your checking or savings account. For more information on your Loan advances, please refer to your Loan account agreement or statement.
Scheduling Fund Transfers. You may instruct us to transfer funds on any business day (the “Transfer Date”), up to 365 days in advance. We may require that you schedule your fund transfer up to two business days before the Transfer Date. We may refuse any instruction to make a fund transfer before the earliest available Transfer Date. Note: You cannot use your mobile device to schedule transfers to or from accounts you maintain at other financial institutions.
Fund transfers are processed only Monday through Friday. Any request made on a weekend, holiday, or after 10:00 p.m. Pacific Time (4:00 p.m. Pacific Time for transfers involving your accounts at other financial institutions) on a business day may be processed on the following business day. You are responsible for scheduling fund transfers to be made in a timely manner.
We will not be responsible for delays that occur in the automated clearing house or for any action or omission by you or other financial institutions.
You agree that we may charge or place a hold against your account for the amount of your funds transfer up to two business days prior to the Transfer Date. You will receive a confirmation code at the time that you set up each online fund transfer.
Funds transferred from your account at another financial institution are generally credited to your account with us on the Transfer Date, but may not be available until we receive final settlement. This may take up to two business days. If final settlement does not occur within that time, we may reverse the credit to your account.
Transactions posted to your account as of a certain business day may not be reflected in account balances reported by the Service until the following business day. Information on transfers to or from your accounts with us will be reflected on your periodic statements, will be available to you online, and can be obtained by calling our automated line at 800-922-8429. We do not provide any other notice of the receipt, transmittal or debiting of funds transfers.
Initiating Automatic Recurring Transfers. You may use the Service to make regularly recurring transfers in the same amount between the same accounts. Once your arrangements are set, we will transfer funds automatically at the intervals you designate. If the Transfer Date for an automatic transfer falls on a weekend or holiday, the transfer may be sent the following business day. If the Transfer Date is scheduled for a day that does not exist for a particular month (e.g., February 30th), the transfer will be send on the last business day of that month. NOTE: You cannot set up recurring transfers using your mobile device.
Erroneous Transfer Instructions. You assume sole responsibility for accurately describing transfer amounts, accounts, financial institutions, and addresses. We are not responsible for confirming such information, or for monitoring or refusing to process duplicate transfer instructions. If you give us a transfer instruction that is incorrect in any way, you agree that we may charge your account for the transfer whether or not the error could have been detected by us. We are not obligated to detect errors in your transfer instructions.
Rejecting Transfer Instructions. We may reject transfer instructions with or without cause or prior notice. For example, we may reject a transfer instruction if you do not have sufficient available funds to cover the transfer or if you exceed the limitations on dollar amounts and/or number of transactions. Unless you have requested email or text message alerts for rejected transfer instructions, we generally will not notify you when a transfer instruction is rejected by us. If you wish to receive alerts for rejected transfer instructions, you must select that option under “Manage Alerts” in the Customer Service tab. Please see “E-Statement and Alert Delivery” below for additional terms that apply to email and text message alerts. Otherwise, you should confirm whether the instruction was accepted by reviewing your online account activity on the business day following the scheduled transfer date. If we reject a transfer, you will need to re-enter the information if you wish to make the transfer at a later date.
Changing or Cancelling Transfer Instructions. You can cancel or change a transfer request electronically by deleting or changing the transfer instruction from the transfer screen in our online banking website. To do this, you must act before 10:00 p.m. Pacific Time (4:00 p.m. Pacific Time for transfers involving your accounts at other financial institutions) on the business day before the Transfer Date. Note: You cannot cancel or change transfers using your mobile device.
If you have told us in advance to make regular transfers from your account, you can cancel or change these transfers by (1) deleting or changing your transfer instructions electronically at our online banking website, or (2) calling us at 800-922-8429 or writing to us at: Cathay Bank, Attn: Customer Service Department, 9650 Flair Drive RS-02, El Monte, CA 91731. To cancel or change your transfer instructions by telephone or mail, we must receive your request at least three business days before the Transfer Date. (Note: If you give us your request by telephone or mail and we do not receive it at least three business days prior to the Transfer Date, we may attempt, at our sole discretion, to cancel the funds transfer. We assume no responsibility for our failure or refusal to do so, even if we accept the request 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 we do not receive written confirmation within 14 days, we may treat your verbal instruction as no longer binding. If you order us to cancel one of these transfers at least three business days before the Transfer Date and we do not do so, we will be liable for your losses or damages.
Limitations. Fund transfers from your accounts at other financial institutions are subject to the following limits: $5,000 per transaction, $5,000 per business day, and $6,000 per calendar month. These transfers are also limited to a maximum of 2 transactions per business day and 20 transactions during any calendar month. Fund transfers to your accounts at other financial institutions are subject to the following limits: $5,000 per transaction, $5,000 per business day, $10,000 per calendar month. These transfers are also limited to a maximum of 2 transactions per business day and 20 transactions during any calendar month. We may permit you to exceed these limits from time to time at our sole discretion. If we do, we may stop doing so without prior notice to you. We also may deny or limit transactions for security reasons.
Transfers from savings accounts and money market deposit accounts are limited by law and your deposit agreement with us. You may only make up to 6 withdrawals and/or transfers each month by check (for accounts with check privileges), preauthorized or automatic transfer (e.g., automatic payments to an insurance company), draft, point-of-sale debit card, telephone, and/or online banking. We may refuse to permit a Service transaction at any time and without prior notice if we believe it may violate applicable law. See your account agreement for further details.
You can enroll online in our bill payment service which we call Payment Manager. If you have enrolled in Payment Manager, please refer to the TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE (PAYMENT MANAGER) section in this document.
You can use this Service to send money to other individuals.
Enrollment/Activation. You must enroll in Cathay Online Banking to access Cathay PeoplePayment via the Cathay Bank Mobile Banking App. You must have app version 3.3.8 or higher to access Cathay PeoplePayment.
Eligible Recipients. You may send funds only to individuals and accounts located within the United States, and only in U.S. dollars. We reserve the right to determine who and which accounts may receive fund transfers. You may not transfer funds to recipients until they have been set up in your online banking profile. To do this you must log on to our online banking or mobile banking service. You will see when a recipient is eligible for fund transfers in your online banking profile.
Sending Funds. There are several ways to send funds to a recipient. If you know the recipient’s (or, payee’s) account information (e.g., account number and bank routing number), you can instruct us to send funds electronically to that account. You can also provide us with the recipient’s U.S. mailing address and instruct us to have funds sent to the recipient via check. Lastly, you can instruct us to send an electronic message to the recipient, advising the recipient of the pending transaction and asking the recipient to provide the account and other information we need to complete the transfer.
We may charge your account for the transfer amount on or before the date specified in your instruction and credit funds to an omnibus account that we maintain to clear transactions. If you provide us with the recipient’s account information and instruct us to send funds electronically to that account, it may take up to three business days before funds are credited to the recipient’s account. Payments made by check are generally issued within one business day of the date specified in your instruction, but may be issued earlier or later than that date. It could take several days after the check is issued for it to be received by the recipient through U.S. mail. However, payments by check may be received sooner and presented against your account at that time by the recipient. If you do not have sufficient funds in your account at the time the check is presented, we may pay the amount of the check and charge you an overdraft fee or return the check and charge you a fee for nonsufficient funds.
If the transfer requires the recipient to respond to provide us with the information we need to complete the transfer, funds will generally be credited to the recipient’s account within three business days of the date the recipient claims the transfer and otherwise provides us with all required information. If the recipient fails to respond within 10 days or the transfer cannot be made for any other reason, we will notify you and return funds to your account.
The cutoff time for submitting transfer instructions is 6:00 p.m. Pacific Time. Instructions received after the cutoff hour or on a non-business day may be processed by us on the next business day. You will receive a confirmation at the time that you submit your transfer instructions.
Erroneous Transfer Instructions. You assume sole responsibility for you or the recipient accurately describing transfer amounts, accounts, financial institutions, and addresses. We are not responsible for confirming such information, or for monitoring or refusing to process duplicate transfer instructions. If you give us a transfer instruction (or the recipient gives us information related to your instruction) that is incorrect in any way, you agree that we may charge your account for the transfer whether or not the error could have been detected by us. We are not obligated to detect errors in your transfer instructions.
Rejecting Transfer Instructions. We may reject transfer instructions with or without cause or prior notice. If we do, we may notify you of the rejection orally, electronically or in writing. We may reject a transfer instruction, for example, if you do not have sufficient available funds to cover the transfer. If we reject a transfer, you will need to re-enter the information if you wish to make the transfer at a later date.
Cancelling and Changing Transfer Instructions. You do not have a right to cancel, change, or stop a transfer after it is submitted to us. Although we may attempt to act on any cancellation or stop payment request you make (e.g., if it is received in a time and manner which permits us to do so), we assume no responsibility for failing or refusing to do so, even if we could have effected the cancellation or stopped the transaction. Our acceptance of any cancellation or stop payment request will not obligate us to accept any future request for cancellation or stop payment. We may discontinue accepting such requests at any time without prior notice. You agree to indemnify, defend and hold us and our agents harmless from any loss, damage, claim, action, and liability that results, and any charges and costs we or our agents incur, in connection with any request by you to cancel or stop a transfer instruction.
Limitations. Fund transfers are subject to the following limits: $750 per transaction and $1,000 per business day. We may permit you to exceed these limits from time to time at our sole discretion. If we do, we may stop doing so without prior notice to you. We also may deny or limit transactions for security reasons. Transfers may be made from checking and money market deposit accounts only. Transfers from money market deposit accounts are limited by law and your deposit agreement with us. You may only make up to 6 withdrawals and/or transfers each month from your money market account by check (for accounts with check privileges), preauthorized or automatic transfer (e.g., automatic payments to an insurance company), draft, point-of-sale debit card, telephone, and/or online banking. We may refuse to permit a Service transaction at any time and without prior notice if we believe it may violate applicable law. See your account agreement for further details.
Use of SMS Text Messages. Users of this Service may receive SMS text messages relating to their transactions, such payment notices or alerts for validation. You may receive SMS text messages related to your transactions from time to time. You authorize us to send emails and SMS text messages to you in connection with your Service transactions at the email address or mobile phone number you provide in connection with the Service, even if you elect not to receive other marketing messages from us in that manner.
To stop receiving SMS messages you can initiate the opt-out process by sending an SMS message. Just text “Stop” to this number: 322654.
Note: Wireless carriers are not liable for delayed or undelivered messages. One text message per query. Messages and data rates may apply from your wireless carrier. Our Text Banking service works on all major mobile providers in the U.S., including (but not limited to): AT&T, Sprint, T-Mobile, Verizon Wireless, Cricket, Google voice, U.S. Cellular, MetroPCS, nTelos, Cellcom US, Carolina West US, CellSouth, Pioneer Cellular US, United Wireless, Appalachian Wireless, Element Mobile, MTA Communications, DTC Wireless US, Pine Cellular, Sagebrush Cellular USA, Chariton Valley Cellular, Bandwidth USA, Epic Touch USA, CTC Telecom Mosaic USA, Peoples Wireless USA, Duet IP Wireless, RINA USA, Siwireless USA, Communications Venture USA, MobiPCS USA, Layered Communications, Cellular One NE AZ USA, Alaska DigiTel, Bluegrass, Cell 1 East Cent IL, Illinois Valley, Inmix, Inland, New Tech Wireless, ACS Alaska, Golden State US, Thumb Cellular US, Viaero Wireless US, Plateau US, West Central WCC, iWireless, MTPCS, NW Missouri USA, Chat Mobility USA, SRT Wireless USA, SouthernLinc Wireless USA, AIO Wireless aka Jasper, Panhandle USA, Flat Wireless USA, Copper Valley USA, Cablevision USA, Leaco Rural Telephone USA, and Union Wireless. (Trademarks and registered trademarks for the carriers listed in this communication are the property of the companies and/or corporations that own the carrier.)
You can contact us by calling us at 800-922-8429, writing to us at: Cathay Bank, Attn: Customer Service Department, 9650 Flair Drive RS-02, El Monte, CA 91731.
You can use the Service to send us electronic mail ("e-mail"). Since e-mail can be subject to delays and may not be reviewed by us after normal business hours, do not rely on it if you need to communicate with us immediately (e.g., to report an unauthorized transaction). If you need to contact us immediately, call us at 800-922-8429. We will have a reasonable time to act upon any e-mail instruction or request and reserve the right to reject any instruction or request received by e-mail. Our online e-mail is secure and encrypted for your protection. You should use it, and not use regular e-mail, when sending any sensitive information about yourself or your accounts (e.g., your account number, social security number, etc.).
The e-mail "Contact Us" Service may not be used to make transfers between Bank accounts. You acknowledge that we cannot ensure that e-mail will not be intercepted or affected by the actions or omissions of others, such as third party networks or persons with access to the Internet. Our service providers and we assume no responsibility for viruses created by third parties, or for any third party's unauthorized access to, or use of, your computer system.
We make no representation, warranty or endorsement with respect to: (a) information placed on the Internet by third parties; (b) the security or continued availability of the Internet or of any Internet web site, including without limitation our web site; or (c) the services, products or information made available over the Internet by others whose sites may be accessed, directly or indirectly, as a result of our Services. However, if you have a complaint about any product or service offered through one of these websites, please contact us at Cathay Bank, Compliance Department, 777 North Broadway 1-0-A, Los Angeles CA 90012.
You agree that: (a) your use of the Internet will be at your own risk; (b) Internet services are provided to you on an "as is" basis, without warranties of any kind; (c) we, our affiliates, Internet service providers, and licensors will not be liable for any errors, defects in, or the untimeliness or lack of authenticity of, any information provided over the Internet; (d) you will comply with all laws applicable to your Internet activities; (e) you will not transmit any information which is defamatory, abusive, or which may give rise to civil liability; (f) we may monitor your e-mail and Internet communications with our employees; and (g) our Internet Service will be subject to the additional qualifications and operating rules, if any, set forth on our website.
The stop payment function allows you to stop payment on a check written against your checking account. To stop payment on a check, you must provide us with timely, complete and accurate information on: the account number the item is drawn on; the date of the item; the item number; the payee information and the EXACT amount of the item (dollars and cents). If any information is incomplete or incorrect, we will not be responsible for failing to stop payment on the item. A stop payment request becomes effective when we confirm its receipt and have verified that the item has not been paid. From time-to-time, the on-line system may be inoperable. If that occurs, your stop payment request can be communicated to us by telephone at 800-922-8429 or by going into a Cathay Bank office during regular business hours. Stop payment requests cannot be made using Mobile Banking or Text Banking.
You can use the Service to export your account transaction data to your personal or business financial software, such as Quicken, Money, or QuickBooks.
You can enroll online for Mobile Banking, Text Banking and Mobile Deposit. If you have enrolled for these services, please refer to the TERMS AND CONDITIONS FOR MOBILE BANKING, TEXT BANKING, MOBILE DEPOSIT, AND DOWNLOADABLE APPLICATION section in this document.
You can enroll online for Personal Financial Manager (“PFM”). PFM uses the services of Yodlee, Inc., a third party service provider to collect and distribute data from third party data sources to assemble a picture of your finances for a better understanding of your net worth. PFM also offers spending analysis, real estate valuation, comprehensive budgeting, and personalized alerts. If you have enrolled in this service, please refer to the PFM USER AGREEMENT section in this document.
You can enroll online for e-Statement and Alert Delivery service. If you have enrolled in this service, please refer to the E-STATEMENT AND ALERT DELIVERY TERMS AND CONDITIONS section in this document.
You can access account information and communicate through the Service 7 days a week, 24 hours a day. There may be times, however, when all or part of the Service is unavailable due to system outages or maintenance. We assume no responsibility for any damage or delay that may result from such unavailability.
Our business days are Monday through Friday, excluding holidays. Instructions received after the cutoff hour of 10:00 p.m. Pacific Time (4:00 p.m. Pacific Time for transfers involving your accounts at other financial institutions) or on a non-business day may be deemed received as of the next business day. Services may occasionally be unavailable due to needed maintenance or system/network interruptions. A transfer between your accounts will be posted on the business day we receive the instruction, but will not be available for withdrawal until the next business day.
We will send or make available to you a monthly deposit account statement.
There is no set-up fee for enrolling in the Service, and no fee for accessing information about your accounts, using the Service electronic mail, or transferring funds between accounts by means of the Service. Fees separately disclosed to you in connection with your account or any transaction-related fees incurred in using the Services may apply. We may amend our Service pricing from time to time. Certain prices are subject to change without prior notice. You are responsible for any fees that may be billed to you by your Internet, telephone access, or mobile service providers.
If you have a question about a Service transaction, believe your User ID or Password has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, please contact us immediately by:
You agree not to give or make available your password or other means to access the Service or your account(s) to any unauthorized individuals. You are responsible for all transfers and payments you authorize using the Service. If you permit other persons to use the Service (including Payment Manager) or your password or other means to access your account(s), you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Bank at once at the phone number or address set forth above, in Section 20.
If you permit other persons to use any Service, you are responsible for any transactions they authorized from your accounts. Tell us AT ONCE if you believe your User ID or Password has been lost or stolen, or if you believe that someone has made payments, transferred or may transfer money from your account without your permission. Telephonic notification is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two business days, you can lose no more than $50 if someone used your User ID or Password without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your User ID or Password, and we can prove that we could have stopped someone from using your User ID or Password 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, 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) kept you from telling us, we will extend the time periods.
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 example, if: (a) your account does not contain sufficient available funds to make the transfer; (b) the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or claim restricting the transfer; (c) the transaction information you supply to us is incorrect, incomplete or untimely; (d) the system was not working properly and you knew about the problem when you requested the transfer; (e) circumstances beyond our control (such as fire, flood, blackouts, viruses, computer breakdowns or telecommunication breakdowns, telecommunication problems, or the failure to perform by any third party service provider) prevent the transaction, despite reasonable precautions that we have taken; (f) the transfer could not be completed due to the system's unavailability; (g) you fail to follow our on-screen instructions properly; or (h) we believe the transaction may be unauthorized or are uncertain as to anyone's authority to use the Service. There may be other exceptions stated in our Agreement with you.
Call or write to us at the number or address listed in Section 20 as soon as you can if you think your statement is wrong or if you need more information about a transaction listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. You must: (a) tell us your name and account number; (b) describe the error or the transaction you are unsure about and explain as clearly as you can why you believe it is an error or why you need more information; and (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 10 business days.
We will determine whether an error occurred within 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 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time that 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. For errors involving new accounts, we may take up to 90 days to investigate your complaint or question, and up to 20 business days to credit your account for the amount you think is in error.
We will tell you the results within 3 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.
THE FOREGOING SHALL CONSTITUTE THE BANK’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE BANK BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.
This Agreement supplements the terms of your account agreement with us. Please see that agreement for other terms relating to this Service (for example, waivers, and overdrafts). You agree to comply with this Agreement. Unless we agree otherwise in writing that specifically refers to this Agreement, this Agreement, our web site Terms and Conditions, and your account agreement contain all of the terms of our agreement with you with respect to the Service. The terms of this Agreement will supersede any conflicting terms in the web site Terms and Conditions and your account agreement with respect to the Service.
We may add to, delete from, or change the terms of this Agreement at any time by sending a notice to any of you at the address or e-mail address shown in our records, by posting the notice or an amended Agreement on our web site, or by delivering it to you. You may choose not to accept the change by closing your account(s) or terminating this Agreement and your use of the Service. Your use of the Service after the effective date of the amendment will be evidence of your acceptance of the revised terms.
We may terminate or suspend your access to all or part of the Service at any time, with or without cause. We may automatically terminate or suspend your use of the Service without notice if you do not use it for 180 consecutive days. You can terminate this Service by calling or writing to us at the number or address listed in Section 20. If you terminate the Service, let us know if you have any outstanding scheduled transfers that you also wish to cancel. Unless you advise us not to make such transfers, you will be responsible for any transfers we make following your notice of termination. We may refuse to make scheduled Service transfers following termination of the Service.
Our obligations set forth in Sections 23 and 24, and the limitations on customer liability set forth in Section 22 and on the back of periodic statements, do not apply in the case of business or other non-personal accounts. The owners of those accounts must notify us immediately if they discover any unauthorized transactions or errors, and must send us a written notice of the problem within a reasonable time (not to exceed 14 days from the date of discovery or the receipt or availability of the first statement or notice reflecting the problem, whichever occurs first). Under no circumstances will we be liable for any special or consequential damages involving such accounts. We may process any online instruction we believe is given by any of you if the instruction is accompanied by your User ID and Password, and you will be obligated for the transfer, even if the instruction is not transmitted or authorized by you.
In the event of a dispute you agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Bank which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Bank relating to the subject matter of this Payment Manager Agreement. If there is a conflict between what an employee of the Bank or Customer Service Department says and the terms of this Payment Manager Agreement, the terms of this Agreement will prevail.
You may not assign this Agreement to any other party.
The Bank shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Bank. No delay or omission on the part of the Bank in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
This Agreement shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflicts of law's provisions.
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You will need a personal computer that is IBM or Macintosh compatible and supports at least one of the browsers listed above and a printer connected to your computer to print disclosures/notices to save the information. To download transaction information into Quicken or Microsoft Money (2004 or earlier version), you will need the equipment and software required by their respective operating instructions. We do not provide ISP services. You must have your own Internet service provider.
These services are provided to you by Cathay Bank and powered by a Third Party ("Licensor") mobile technology solution. Section A below is the agreement between you and Cathay Bank, and Section B is the agreement between you and the Licensor.
If you have enrolled in Mobile Banking and Text Banking, the following additional terms and conditions supplement, and supersede where inconsistent, other terms of the Agreement.
Mobile Banking, Text Banking, and the downloadable application are available to online banking enrollees only. All terms applicable to the Service apply to these services. You must also have previously established Payment Manager in online banking to use those functions in Mobile Banking.
Cathay Bank does not currently charge for the Mobile Banking or Text Banking service; however, your mobile service provider may charge for web access and sending and receiving text messages on your mobile phone. You are responsible for any fees or other charges that your wireless carrier may charge for any related data or message services, including without limitation for short message service. Check with your service provider for details on specific fees and charges that may apply. Fees separately disclosed to you in connection with your account or any transaction-related fees incurred in using the Services may apply.
Except as otherwise specified herein, Mobile Banking and Text Banking are provided by Cathay Bank and not by any other third party. You and Cathay Bank are solely responsible for the content transmitted through the text messages sent to and from Cathay Bank. You must provide source indication in any messages you send (e.g., mobile telephone number, “From” field in text message, etc.).
For help, text “HELP” to 79680.
To cancel your plan and discontinue all future messages from us, text “STOP” to 79680 at any time.
Note: Wireless carriers are not liable for delayed or undelivered messages. One text message per query. Messages and data rates may apply from your wireless carrier.
In case of questions, please contact customer service by calling 800-922-8429.
You must have a web-enabled cell or smart phone to use Mobile Banking. You represent that you are the owner, or authorized user of the wireless device you use to receive test messaging. If you have a mobile Internet browser and Internet access from your phone, it is likely you can use Mobile Banking. A list of wireless devices and operating systems compatible with the Bank’s Mobile Banking services is available for review at www.cathaybank.com. Your mobile phone must support WAP (Wireless Application Protocol) 2.0 or higher, the international standard for applications using wireless communication. Most phones today support WAP. If you are using an older device that does not contain the required security features to use Mobile Banking, you may need to upgrade to a newer device to use Mobile Banking. Bank will not be liable for any delays or failures in your receipt of any text messages as delivery is subject to effective transmission from your network operator and processing by your mobile device. Mobile Banking and Text Banking are provided on an AS IS, AS AVAILABLE basis.
Data obtained from you in connection with Mobile Banking and Text Banking 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. 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.
Mobile Banking and Text Banking are available only in the United States.
If you have enrolled in Mobile Banking, in addition to the Cathay Bank Mobile Banking and Text Banking Terms and Conditions immediately preceding, the following terms and conditions apply to your use of Mobile Deposit and supplement and supersede where inconsistent, other terms of the Agreement.
If you have enrolled in Payment Manager, the following additional terms and conditions supplement, and supersede where inconsistent, other terms of the Agreement.
Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.
Due to circumstances beyond our control, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. We will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.
By providing names and account information of Payees to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the payment system. In order to process payments more efficiently and effectively, we may edit or alter payment data or data formats in accordance with Payee directives.
When we receive a Payment Instruction, you authorize us to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. Payments by check may be received by a Payee prior to the Scheduled Payment Date and presented by the Payee against your account at that time. If you do not have sufficient funds in your Payment Account at the time a check is presented by the Payee, we may pay the amount of the check and charge you an overdraft fee or return the check and charge you a fee for nonsufficient funds.
You also authorize us to credit your Payment Account for payments returned to us by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of Payment Manager.
We will use our best efforts to make all your payments properly. However, we shall incur no liability and any Payment Manager Guarantee shall be void if we are unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
Provided none of the foregoing exceptions are applicable, if Payment Manager causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Payee which does not comply with your Payment Instructions, we shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.
We reserve the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once we have begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
Our ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. We may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service by calling 800-922-8429. Although we will make every effort to accommodate your request, we will have no liability for failing to do so. We may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule. Stop payment requests cannot be made using Mobile Banking or Text Banking.
Payments to Payees outside of the United States or its territories are prohibited through Payment Manager.
Tax payments and court ordered payments may be scheduled through Payment Manager, however such payments are discouraged and must be scheduled at your own risk. In no event shall we be liable for any claims or damages resulting from your scheduling of these types of payments. The Payment Manager Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed with Payment Manager. We have no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Bank.
Transactions involving money market accounts are limited by law. You may only make up to six withdrawals and/or transfers during each monthly statement cycle by check (for accounts with check privileges), preauthorized or automatic transfer (e.g., automatic payments to an insurance company), draft, point-of-sale debit card, telephone and/or online banking (such as by Payment Manager). If you exceed this limitation, we may refuse to honor the excessive transactions, remove your transfer privileges, close the account without prior notice, convert it to another type of account, and/or impose a fee for exceeding the limits (see our “Schedule of Fees”). Note: We count checks and debits for purposes of the transaction limitation as of the date we post them to your account (not as of the date you write them or initiate a Payment Instruction). As such, a check you write or a debit you initiate through Payment Manager during one statement period may not be counted until a subsequent statement period. Refer to your account agreement and disclosure for further information.
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill(E-bills) options, you also agree to the following:
Information provided to the Payee - We are unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill.
Activation - Upon activation of the electronic bill feature the Service may notify the Payee of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.
Notification - We will use our best efforts to present all of your electronic bills promptly. We may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.
Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. We will notify your electronic Payee(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. We will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
Non-Delivery of electronic bill(s) - You agree to hold us harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.
Accuracy and dispute of electronic bill - We are not responsible for the accuracy of your electronic bill(s). We are only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly.
This Payment Manager Agreement does not alter your liability or obligations that currently exist between you and your Payees.
PAYMENT MANAGER AND ITS RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
There is no fee to enroll, and no monthly fee to use, Payment Manager. Any fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.
In using Payment Manager, you are requesting us to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice. In such case, you agree that:
This Payment Manager Agreement, applicable fees and service charges may be altered or amended by us from time to time. In such event, we shall provide notice to you. Any use of Payment Manager after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Payment Manager Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only more recent revisions and updates.
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. We are not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.
In the event you wish to cancel Payment Manager, you may have the ability to do so through the product, or you may contact customer service via one of the following:
Any payment(s) we have already processed before the requested cancellation date will be completed. All Scheduled Payments including recurring payments will not be processed once Payment Manager is cancelled. We may terminate or suspend Payment Manager at any time. Neither termination nor suspension shall affect your liability or obligations under this Payment Manager Agreement.
We reserve the right to refuse to pay any Payee to whom you may direct a payment. We will notify you promptly if we decide to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Payment Manager Agreement. Returned Payments
In using Payment Manager, you understand that Payees and/or the United States Postal Service may return payments for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. We will use our best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account.
Your enrollment in Payment Manager may not be fulfilled if we cannot verify your identity or other necessary information. Through your enrollment in the Payment Manager, you agree that the Bank reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Bank reserves the right to obtain financial information regarding your account from a Payee or another financial institution (for example, to resolve payment posting problems or for verification)
If you have enrolled in Personal Finance Manager (“PFM”), the following additional terms and conditions supplement, and supersede where inconsistent, other terms of the Agreement.
You, the end user, agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other web sites and you agree to not misrepresent your identity or your account information. You agree to keep your account information up to date and accurate.
You are permitted to use content delivered to you through the PFM service only on the PFM service. You may not copy, reproduce, distribute, or create derivative works from this content. Further, you agree not to reverse engineer or reverse compile any of the PFM service technology, including but not limited to, any Java applets associated with the PFM service.
You are licensing to Bank and its service providers, including Metavante Corporation (Metavante) and/or Yodlee, Inc. (Yodlee) (Bank, Metavante, and/or Yodlee may be collectively referred to in this PFM User Agreement as “we” or “us”) any information, data, passwords, materials or other content (collectively, Content) you provide through or to the PFM service. We may use, modify, display, distribute and create new material using such Content to provide the PFM service to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, we may use the Content for the purposes set out above. As among us, Bank owns your confidential account information.
By using the PFM service, you authorize us to access third-party Internet sites designated by you, on your behalf, to retrieve information requested by you, and to register for accounts requested by you. For all purposes hereof, you hereby grant us a limited power of attorney, and you hereby appoint us as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, to access third-party Internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT, WHEN WE ACCESS AND RETRIEVE INFORMATION FROM THIRD-PARTY SITES, WE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that the PFM service is not endorsed or sponsored by any third party account providers accessible through the PFM service.
There is no fee to enroll, and no periodic fee to use, PFM. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and/or Internet service providers.
DISCLAIMER OF WARRANTIES
YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
YOUR USE OF THE PFM SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE PFM SERVICE IS AT YOUR SOLE RISK. THE PFM SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE PFM SERVICE AND ALL INFORMATION, PRODUCTS AND OTHER CONTENT (INCLUDING THAT OF THIRD PARTIES) INCLUDED IN OR ACCESSIBLE FROM THE PFM SERVICE, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT.
WE MAKE NO WARRANTY THAT:
ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PFM SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK, AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL.
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH OR FROM THE PFM SERVICE WILL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
YOU AGREE THAT NONE OF US, NOR ANY OF OUR AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES, WILL BE LIABLE FOR ANY HARMS, WHICH LAWYERS AND COURTS OFTEN CALL DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF COMPANY OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM:
You agree to protect and fully compensate us and our respective affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of the PFM service, your violation of these terms or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone. You agree that Yodlee is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Yodlee were a party to this PFM User Agreement.
If you have enrolled in e-Statement and Alert Delivery, the following terms and conditions (the “e-Statement Agreement”) supplement, and supersede where inconsistent, other terms of the Agreement and sets forth the terms of the e-Statement and Alert Delivery Service (the "e-Statement Service") offered to you by Bank. By enrolling in the e-Statement Service, you confirm that you have read this section and agree to its terms. As used in this section, "Alerts" includes any notice, agreement, record or other type of information that is provided to you in connection with your accounts or the e-Statement Service , such as the Agreement, e-Statement Agreement, change-in-term notices, fee and transaction information, check images, tax information, privacy and other notices, statements, and other account-related information.
You may elect to receive your statement electronically (an “e-Statement”) for any Eligible Accounts (defined below) that you choose. Account statements will be made available to you electronically in Portable Document Format ("PDF") that you can view online, save to your computer or print at your convenience. Any inserts or other Alerts that normally accompany your mailed statement will either continue to be mailed under separate cover or provided to you electronically. From time to time, we may add to, modify or delete any feature of the e-Statement Service at our sole discretion.
You understand and agree that, by enrolling in the e-Statement Service, you will no longer receive a deposit account statement by mail. However, you can request copies of statements and Alerts by contacting us at 800-922-8429. We may charge you a fee for paper copies, as stated in our current Schedule of Fees.
Checking, savings and money market accounts are eligible for the e-Statement Service. Each account must be enrolled for the e-Statement Service on an individual basis. e-Statements will be available at the same frequency as your paper statement. e-Statements are not available for loan accounts.
In order to use the e-Statement Service, you must have enrolled in the Service and be a Cathay Bank online banking customer with a working connection to the internet. Your browser must support the Secure Sockets Layer Protocol and must be compatible with our hardware and software requirements as disclosed to you in the “Consent to Electronic Disclosure” section of this Agreement. You will need to have Adobe® Acrobat Reader® or a compatible software installed on your computer in order to access, view and print your statements. To download a free copy of Adobe® Acrobat Reader®, please visit www.adobe.com. We do not provide ISP services. You must have your own internet service provider.
For deposit accounts with multiple owners, only one account owner needs to enroll the account in the e-Statement Service. Once enrolled, the account will no longer appear on any account owner's paper statement. The account statement will be available for viewing to all owners of the account who are enrolled in the Service regardless of which owner enrolled for the e-Statement Service.
There is no fee to enroll, and no periodic fee to use, the e-Statement Service. You are responsible for any and all telephone access fees and Internet service fees that may be assessed by your telephone and/or Internet service provider.
Your periodic e-Statement and Alerts will be presented or made available to you via the Service. Once you enroll in the Service, you and all other account owners will have access to your e-Statements within the Service. An electronic notification will be sent to your email address at the end of each statement cycle alerting you that the most recent statement is available for viewing. You agree to review your e-Statements and Alerts in a timely manner, just as you would paper statements and notices, and promptly notify us of any errors, unauthorized activity or other problems.
All e-Statements and Alerts are in a format that can be printed or saved to your computer for your future reference. You may view and print online images of the checks posted to your account. You may request that a photocopy of a cancelled check be mailed to you. However, we may impose a fee for each photocopy requested.
If you close an account or cease to be an online banking Service customer, you will no longer be able to view your account online, and future statements for your open account(s) will revert back to paper statements via U.S. mail.
You may request that a copy of your current or a previous statement (or Alerts) be mailed to you at your address. We may impose a fee for paper copies, as stated in our current Schedule of Fees. If you currently receive duplicate statements at the same address, mailing of the duplicate copy will be discontinued; however, you can print multiple copies of your statement through the e-Statement Service. If you currently have a copy of your statement mailed to an interested third party (e.g., your accountant), mailing of a paper statement to the interested party will continue.
You may discontinue this e-Statement Service at any time by changing the delivery preferences shown in your e-Statement Profile. When you discontinue the e-Statement Service, you will automatically resume receiving mailed account statements and Alerts beginning with your next statement cycle. Electronic Alerts, if any, will be discontinued. The statements that were previously presented online will not be mailed to you; however, you may access copies of past statements using the Online Banking Statement History function.
You will be deemed to receive statements and Alerts on the date we make them available for you. As such, it is important that we have your current email address. You agree to update your email address by going to the Cathay Online Banking Account Services tab, clicking "Manage Contact Information," and then making your update. Unless otherwise prohibited by law, rule or regulation, if our email to you is returned as undeliverable, we may discontinue sending e-Statements and Alerts, and switch your account to paper statements via U.S. mail until you provide us with a valid email address. We are not liable for any third party-incurred fees, other legal liability, or any other issues or liabilities arising from e-Statements and Alerts sent to an invalid or inactive email address or postal address that you have provided.
We may elect to send paper statements and Alerts to you at any time without prior notice. We also reserve the right to terminate this e-Statement Agreement and your access to our online banking Service in whole or in part, at any time without cause or prior notice. You may terminate this e-Statement Agreement at any time by changing the delivery preferences shown in your e-Statement Profile.
We may add to, delete or change any term of this online banking agreement and consent to electronic disclosure (and any service described in this document) by providing you with advance notice.
Please do not include sensitive information such as account numbers or other personal information such as Social Security or Tax Identification numbers, driver’s license numbers, etc. in any email sent to us via this link.