Online Banking Demonstration Request
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Online Banking terms and conditions
Terms and Conditions
ONLINE BANKING AGREEMENT Oxford University Bank Oxford, Mississippi This Online Banking Agreement (Agreement) is made between Oxford University Bank, Oxford, Mississippi (we, us, our or Bank) and you, who has applied for use of our Online Banking Service or any person authorized by the consumer to use the consumer's Online Banking Service (collectively, you, your or yours) and sets forth the terms governing the provision of Online Banking services to you. This Online Banking Agreement describes your and our rights, responsibilities and obligations. I. Definitions. "Account" means a checking or savings account that you have with us for personal, family or household use. "Account Access" means your ability to access account and transaction information on Accounts and transfer funds between Accounts through the Internet. "Account Agreement" means the agreement between you and us that governs the use of your Account, including the deposit account agreement, any funds availability agreement, electronic fund transfer agreement or disclosure, line of credit agreement, credit card agreement and our schedule of fees and charges. "Bill Payment Account" means the Account you have authorized us to debit for payments made to Payee(s) in connection with the Online Banking Service. "Bill Payment Service" means our service that allows you to pay or transfer funds to designated Payees based upon your instructions to us via a personal computer. "Business Day" means Monday - Thursday, 9:00 - 4:30, Friday, 9:00 - 5:30. Holidays are not included. "Electronic" means electrical, digital, magnetic, wireless, optical or electromagnetic technology, or any other technology that entails similar capabilities. "Online Banking Service" means collectively Account Access and Bill Payment services. "Payee" means any individual, financial institution, educational institution, company, merchant or other business entity you wish to pay using Online Banking Services. "Password" means the confidential identification word or string of characters assigned to you by us or selected by you for identification purposes in connection with the use of our Online Banking Services. "Transfer" means any electronic banking transaction, including a deposit, withdrawal or bill payment made electronically. II. Setup and Use of Online Banking Services. A. Eligibility. In order to activate your Online Banking Services, you must have at least one Account with us. You will pick an Online Banking Services ID and a password. If we assign a temporary password to you, this must be changed when you sign on to the Online Banking Service. We will require you to change your password every 90 days for security reasons. You should keep your password in a secure location. Any person having access to your Online Banking Services ID and password will be able to access the Online Banking Services and perform all transactions, including reviewing Account information and making transfers to other Accounts and to other persons. B. Access. Online Banking Services are generally accessible 24 hours a day, seven days a week, except that Online Banking Services may be inaccessible for a reasonable period for system maintenance. We are not liable under this Agreement for failure to provide access due to a system failure or due to other unforeseen acts. We may modify, suspend, or terminate access to the Online Banking Services at any time and for any reason without notice or refund of fees you've paid. C. Linking Your Accounts. You can access all of your accounts at the Bank through the Online Banking Services. If your accounts are not listed please contact the bank to help with this matter. D. Equipment Requirements. To use the Online Banking Services, you need a computer with internet access and a web browser (such as Microsoft Internet Explorer, Safari, Google Chrome, or FireFox). You are responsible for the set-up and maintenance of your home computer and internet. We are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the use of the Online Banking Services. E. Limitation of Liability. 1. Disclaimer of Warranties. (a) Warranties of Fitness and Merchantability. -------------------------------------------------------------------------------- NEITHER WE NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESS OR IMPLIED, TO YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW. (b) Computer-related Warranties. Neither we nor any information provider is liable for any computer virus or software-related problems which may be attributable to the services provided in connection with the Online Banking Services. III. Online Banking Services. A. Products and Services Offered. You can use the Online Banking Services to: 1. Make transfers between Accounts that you have with us. 2. Obtain Account balances. Your account balance is generally current as of midnight the previous Business Day, but may not include outstanding checks. In addition, your account balance may show funds that have been credited to your account but that are not yet available for withdrawal. 3. Transfer funds from an Account to third parties. 4. Pay bills to merchants, individuals and others located in the U.S. 5. Review the history of past transactions on your Accounts over the previous 90 days. 6. Transfer money to make loan payment with us. 7. Send e-mail messages to us. E-mail may not, however, be used to initiate transactions on your Accounts or stop payment requests. 8. Order supplies and materials from us, such as checks, or other products ... ]. 9. Download account information in the following formats: ? Quicken ? QuickBooks These activities are limited to the extent noted below and in the agreements governing your various accounts. Your ability to transfer funds from savings and deposit accounts using the Online Banking Services are subject to the limitations described in the applicable account agreements. You should refer to these agreements for restrictions and service charges. B. Additional Information about the Online Banking Service. 1. Account Access. To use the Online Banking Services, you must first link your Accounts with us to the Online Banking Service. You can link all of your personal deposit and loan accounts with us to use the Online Banking Service. You must designate one deposit account as your primary Online Banking account. We link your other accounts to your primary account. We recommend that you designate a checking account and not designate a savings account because of the limits on transactions from a savings account, which are discussed below. You may transfer funds through the Online Banking Services in any amount as long as the funds are available. We deduct the amount of your fund transfer from your Account on the date you instruct us to process it. We may refuse to act on your fund transfer instruction if sufficient funds, including funds available under any overdraft plan, are not available in your account on the date you want us to transfer funds. If you link a personal deposit account to Online Banking and use it for business purposes, we may convert the account to a business checking account. We will send you a notice of this change. [Business checking accounts generally do not earn interest.] 2. OUBill Pay Service. To use the Bill Pay Service, you must designate a deposit account with us as your OUBill Pay Account. Ho However, we recommend against using a savings account for your OUBILL Pay Account because of the limits on transactions from a savings account, which are discussed below. Your bill payment limits are $9,999.99 per transaction and $20,000.00 per day. When you schedule a bill payment using the Online Banking Services, you authorize us to withdraw the necessary funds from your Bill Payment Account with us. We may refuse to act on your instruction if sufficient funds, including funds available under any overdraft plan, are not available in your Bill Payment Account on the date you want us to process your payment. Please continue reading under Bill Paying Agreement/Disclosure for more info on our Bill Pay Service. 3. Processing Fund Transfers and Bill Payments. We can process a fund transfer or bill payment on the same Business Day as your Online Banking session, if we receive your instructions before the end of the Business Day 4 p.m. Monday through Friday. If you schedule a fund transfer or bill payment for a future date, we process the transaction after the close of business on that date, if that day is a Business Day. If we receive your instruction after the end of our Business Day, or if the date of your request is not a Business Day, we will process the transaction on our next Business day. We deduct the amount of your funds transfer or bill payment from your account on the date we process your instruction. If the date that you schedule a payment falls on a weekend or holiday, we process your instruction the next business day. To ensure that your payments arrive on time, you must schedule your payments to be processed at least five business days before the payment due date. This generally allows sufficient time for the Payee to receive and post your payment. We are not responsible for postal delays or processing delays by the Payee. If there are insufficient funds in your Account to make the transfers or payments you have authorized, we may refuse to make the transfer or payment or we may make the transfer or payment and overdraw your Account. In either event, you are responsible for any non-sufficient funds ("NSF") and overdraft charges that may apply. When you add Payees to the Online Banking Service, you must be sure to enter your account number and address as they appear on your payment stub or invoice. Occasionally a Payee may choose not to participate in the services, or may require additional information before accepting payments. We work with these Payees to encourage them to accept an electronic or check payment from the Bank. If we are unsuccessful, or if we believe that the Payee cannot process payments in a timely manner, we may decline to make future payments to this Payee. In the unlikely event that this occurs, we send you a notice. We may refuse to make payments to certain Payees (such as government agencies). 4. How Bill Payments are Made We process the payments you make through the Online Banking Services in one of the following ways: We may send payments through an electronic transmission to the Payee. Payees who receive electronic delivery will receive your payment information, including your account number, through a computer link. Payments made electronically are generally received and credited by most payees within three business days. We may send payments by a check mailed to the Payee. We send all checks through the U.S. mail. Payments made with a check are generally received and credited by most Payees within five to seven business days. However, from time to time we may receive instructions from a Payee that direct us, in order to ensure the timely processing of your payment, to send your payment to an address other than the one that you provided us, or that direct us to make your payment electronically rather than by check, to an account owned by the Payee at another financial institution. When we receive such payment instructions from the Payee, we may follow those instructions, to help ensure that our payment is received by the Payee and promptly credited to your account. 5. Canceling Fund Transfers and Bill Payments. If you have told us in advance to make regular payments out of your account, you can stop or change any of these payments. To stop or change a bill payment you have authorized, call us at 662-234-6668, or write us at Oxford University Bank, Attn: Operations, 1500 University Ave, Oxford, Mississippi 38655 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. You will be charged $32.00 for each stop-payment order you give. C. Transfers from [Savings] Accounts. Federal regulations require us to limit either by contract or in practice the number of certain types of transfers from savings accounts. You are limited to six (6) transactions per quarter. Each fund transfer or payment through Online Banking Services from your savings account is counted as one of the six limited transactions you are permitted each month. We recommend that you not use a savings account as your Bill Payment Account because of these restrictions. IV. Fees. A. There is not a monthly service charge for the Online Banking Service, but there is a charge for OUBill Pay. All fees will be deducted monthly from the Account that you designate as your Bill Payment Account. B. You should note that depending on how you access the Online Banking Service, you may incur other charges. These include charges for: ? normal checking account fees and service charges, ? Internet service provider fees; and ? the purchase of financial management software. C. For [savings accounts], an excess transaction fee may apply to each transaction made through Online Banking that exceeds the number of limited transactions you may make each statement period. These fees are described in your deposit account agreement. D. For an inquiry about a transaction that occurred more than 30 days before the date you make the inquiry, we may charge a research fee of $20 an hour. We will waive this fee if we determine that we made an error in processing your transaction. V. Parties' Responsibilities. A. Responsibilities of the Consumer. 1. Your Rights and Responsibilities. (a) Authorized Use of Services by Other Persons. You are responsible for keeping your Password and account data confidential. We are entitled to act on transaction instructions received using your Password, and you agree that the use of your Password will have the same effect as your signature authorizing the transaction. If you authorize other persons to use your Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Password and you are responsible for any transactions made by such persons until you notify us of that transfers by that person are no longer authorized and we have a reasonable opportunity to act upon the change of your Password. (b) Reporting Unauthorized Transactions. You should notify us immediately if you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission or if you suspect any fraudulent activity on your account. To notify us call at (662) 234-6668 during a Business Day or write Oxford University Bank, Attn: Operations, 1500 University Ave, Oxford, Mississippi 38655. (c) Consumer Liability for Unauthorized Transactions. NOTE: Federal law requires that if you believe your Password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Password without your permission. Please tell us AT ONCE if you believe your Password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. If you do not notify us promptly, it is possible that you could lose all the money in your Account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50 if someone used your Password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your 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 FIRST statement showing such a transfer 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. Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your account statement upon receipt. If you find that your records and ours disagree, you must call us at (662) 234-6668 immediately. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend these time periods. (d) Resolving Errors or Problems. If you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt, contact us by telephone at (662) 234-6668 or write us at Oxford University Bank, Attn: Operations, 1500 University Ave, Oxford, Mississippi 38655 as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. When you contact us, our representative will need to know the following information: (1) your name and account number; (2) a description of the error or the transfer you are unsure about, and an explanation of why you believe it is an error or why you need more information; and (3) 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. We will tell you the results of our investigation within ten (10) business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, point-of-sale debit card transaction or a foreign-initiated transfer) to investigate your complaint or questions. If we decide to do this, we will provisionally credit your account within ten (10) business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not provisionally credit your account. If we decide that there was no error, we will send you a written explanation within three business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation. An account is considered a new account for 30 days after the first deposit to the account was made. B. Our Responsibilities. 1. Our Rights and Responsibilities. (a) Our Responsibility for Processing Transactions. If we do not complete a transfer to or from your Account (or cancel a transfer properly requested) on time or in the correct amount according to our agreement with you, we are liable for your losses or damages. (b) Limitations of Our Responsibility for Processing Transactions. There are some exceptions to our liability for processing transactions on your Accounts. We will not be liable, for instance: (1) if, through no fault of ours, you do not have enough money in your Account to make the transfer; (2) if the transfer would go over the credit limit on your overdraft line; (3) if the funds in your Account were attached or the transfer cannot be made because of legal restrictions affecting your Account; (4) if the systems were not working properly and you knew about the breakdown when you started the transfer; (5) if circumstances beyond our control (such as interruption of telephone service or telecommunication facilities, or natural disaster such as a fire or flood) prevent the transfer, despite reasonable precautions that we have taken; (6) if you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount for the Payee on a bill payment; (7) if you have not properly followed the instructions for using the PC (8) Banking Services; (8) if your operating system or software was not properly installed or functioning properly; or (9) there may be other exceptions stated in our agreement with you. Our sole responsibility for an error in a transfer will be to correct the error, but in no case will we be liable for any indirect, special, incidental or consequential damages. In states which do not allow the exclusion or limitation of liability for indirect, special incidental or consequential damages, our liability is limited to the extent permitted by applicable law. VI. Consumer Privacy and Confidentiality. Privacy statement VII. Termination. Your Online Banking Services remain in effect until terminated by you or us. You may cancel your Online Banking Services at any time by notifying us of your intent to cancel in writing at Oxford University Bank, Attn: Operations, 1500 University Ave, Oxford, Mississippi 38655. This cancellation applies only to your Online Banking Services and does not terminate your other relationships with us. Your termination of your Online Banking Services will automatically terminate any pending payments. We may terminate your participation in the Online Banking Services for any reason, at any time. We will try to notify you in advance, but we are not obliged to do so. VIII. Changes in Terms and other Amendments. We may amend this Agreement (including changes in fees and charges) by giving notice to you at least thirty days before the effective date of the amendment, unless such change or amendments otherwise required by law or applicable regulation. Your continued use of the Online Banking Services constitutes your agreement to the amendment(s). The terms of your other account agreements shall continue to apply. X. Other Provisions. A. Ownership of Website. The content, information and offers on our website are copyrighted by Oxford University Bank and the unauthorized use, reproduction, linking or distribution of any portions is strictly prohibited. B. Geographic Restrictions. The Online Banking Services described in this Agreement and any application for consumer credit, deposit services, and brokerage services available at our web site are solely offered to citizens and residents of the United States of America residing in the United States of America. Citizens and residents may not be able to access the Online Banking Services outside the United States of America. C. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of Mississippi without regard to conflict of law provisions. Your existing Account relationships shall continue to be governed by and construed in accordance with the laws as disclosed in such Account agreements. D. Scope of Agreement. This Agreement represents our complete agreement with you relating to our provision of the Online Banking Services. No other statement, oral or written, including language contained in our website, unless otherwise noted, is part of this Agreement. E. Assignment and Delegation. This Agreement may not be assigned by the Customer. The Bank may assign this Agreement to any affiliate of the Bank. The Bank may delegate its duties under this Agreement to third parties. F. Headings. The headings of the paragraphs of this Agreement are for convenience and reference and shall not affect its construction or interpretation. Bill Paying Agreement/Disclosure This is your bill paying agreement with Oxford University Bank. You may use Oxford University Bank's bill paying service, to direct Oxford University Bank to make payments from your designated checking (account) to the Merchants you choose in accordance with this agreement. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your Account (the Account Rules). "You" or "your" means each person who signs the bill paying enrollment form or is otherwise authorized to use the Service. "Merchant" means anyone, including Oxford University Bank, you designate and Oxford University Bank accepts as a payee. How to setup Merchants/Payments If you want to add a new Merchant to your list of authorized payees, you can submit your request by using the Add/Edit Payees button on the Internet or speak to a Subscriber Services Representative. You may add a new fixed payment to a Merchant, only if the Merchant is on your authorized list of payees, by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. Oxford University Bank reserves the right to refuse the designation of a Merchant for any reason. Oxford University Bank is not responsible if a Bill 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 Authorized Payee list. Accessing the Service When you complete your bill paying enrollment form, you can access bill pay by logging into online banking with the username and password you supplied during enrollment. Each time you access the Service, you will be asked to enter your username and password. Correct responses will give you access to the Service. The Bill Paying Process Oxford University Bank will process variable payments on the business day (generally Monday through Friday, except holidays) you designate the bill is to be processed, provided the payment request is received prior to the cut-off time set by Oxford University Bank . Variable bill requests received after the business day cut off time, or at any time on a non-business day will be processed on the next business day. Oxford University Bank reserves its right to change the cut-off time by giving you notice if it changes. FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be processed on the dates you have designated, unless such date falls on a non-business day resulting in your payment being processed on the next business day. Bill Payments are processed on the day you select as a Scheduled Payment Date. When scheduling Bill Payments, you must select a Scheduled Payment Date that is no later than the recommended time frame for delivery on Check payments (five (5) Business Days) or Electronic payments (three (3) Business Days) before your actual Due Date. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that adds a minimum of at least one (1) Business Day, more days are necessary for multi-day federal holidays, to the recommended time frame for delivery of Check and Electronic Payments. Scheduled Payment Dates and recommended delivery times should be prior to any late date or grace period. The Service will not be responsible for any finance charges or penalties incurred for late payments that were due to invalid information entered by the user such as Merchant address or user account number at the merchant. The Service will be responsible for any changes to Merchants made in error by the Service.Due to circumstances beyond our control, some Merchants take longer to post payments than others. We suggest sending your first payment with more than enough time to post before the Due Date. After your first payment has posted you will have a better understanding of how much time to allow for each Merchant. When you have scheduled a payment, you authorize Oxford University Bank to debit your Payment Account and remit funds on your behalf. You certify that your Payment Account is an account from which you are authorized to make payments and any payment you make will be debited from this account. You also authorize the credit of returned payments from using the Bill Payment Service. The Bill Payment Service will incur no liability and a Service Guarantee shall be void if the Bill Payment Service is unable to complete any payments initiated because of any of the following: 1. You have not provided the Bill Payment Service with the correct payment account information, or the correct name, address, phone number, or account information for the Merchant upon initiation of the payment; 2. Circumstances beyond the control of the Bill Payment Service (such as, but not limited to, fire, flood, or interference from an outside force) prevents the proper execution of the transaction and the Bill Payment Service has taken reasonable precautions to avoid those circumstances; 3. The payment processing center is not working properly and you know or have been advised by the Bill Payment Service about the malfunction before you execute the transaction; 4. If through no fault of the Service, your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account; and/or 5. You attempt to pay a Merchant that is not on your authorized Payee list. Provided none of the foregoing circumstances are applicable, the Service will bear responsibility for any late payment related charges up to $50.00 should a Bill Payment post after its Due Date as long as the Bill Payment was scheduled in accordance with the guidelines described under "The Bill Paying Process". The Service will first attempt to have the fee waived at the payee and if unsuccessful the fee will be reimbursed up to $50.00. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all Bill Payments requested, as well as, any other payment obligations you have to Oxford University Bank. Oxford University Bank reserves the right, without liability, to reject or reverse a Bill Payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and Oxford University Bank has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such payment obligations on demand. You further agree Oxford University Bank, at its option, may charge any of your accounts with Oxford University Bank to cover such payment obligations. The Bill Payment Service reserves the right to select the method in which to remit funds on your behalf to your Merchant. Any Bill Payment can be changed or canceled, provided you access the Service prior to the cut-off time on the business day prior to the business day the Bill Payment is going to be initiated. Financial Institution uses a third party to provide the Service. FIS is the third party who Oxford University Bank has contracted with to provide the Service to its customers. FIS is not affiliated with or a part of Oxford University Bank. FIS is a third party beneficiary to this Agreement. Returned Payments In using the Service, you understand that the Service and/or the United States Postal Service may return payments for various reasons, such as, but not limited to, the Service account number is not valid; the Service is unable to locate account; or Payee account is paid in full. The Service will use its reasonable efforts to research and correct the returned payment, or void the payment and credit your Payment Account. You may receive notification from the Service. Liability You are solely responsible for controlling the safekeeping of, and access to, your Password. 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 notify Oxford University Bank and arrange to change your Password. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. Oxford University Bank is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. Oxford University Bank is not liable for any failure to make a Bill Payment if you fail to promptly notify Oxford University Bank after you learn that you have not received credit from a Merchant for a Bill Payment. Oxford University Bank is 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 Oxford University Bank’s agent. In any event, Oxford University Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if Oxford University Bank has knowledge of the possibility of them. Oxford University Bank is 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 the Financial Institution's reasonable control. Fees The following are the fees for Oxford University Bank's Bill Pay Feature Customer - $6.00 per month (First 3mths free) Student - $2.50 per mth/.50 per item (First 3mths free) Service Charges may be assessed if you request one or more of the services listed below. Please contact your nearest Oxford University Bank branch for details. There will be NO Charge for any item if needed to correct an Oxford University Bank error. Additional Charges for Customer requested Services and Other Items Return Check due to Subscriber Error Check Copy Mailed or Faxed to Subscriber or Bank Check Copy Mailed to Merchant Stop Payment Return ACH items due to Subscriber or Bank Error Overnight Carrier Delivery Charge per item Research Fee for items over 8 months old Amendment and Termination Oxford University Bank has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on Oxford University Bank’s records, by posting notice in branches of Oxford University Bank, or as otherwise permitted by law. Oxford University Bank has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to Oxford University Bank. Oxford University Bank is not responsible for any payment made before Oxford University Bank has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by Oxford University Bank on your behalf. Oxford University Bank reserves the right to charge you for research time involving payments no longer available in your screen history. You will be informed of any such charges before they are incurred. Some Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Disclosure Statement included, or, received when you opened your account, which discloses important information concerning your rights and obligations. I HAVE READ AND UNDERSTAND THE FOREGOING AGREEMENT AND AGREE TO BE BOUND BY ALL ITS TERMS.
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