Overview

Forms & Disclosures acts as the document center for both personal and business banking customers.

• Deposit account disclosures
• Digital Services agreements
• Mobile Deposit Capture terms
• Account-opening documentation
• Privacy and policy notices
• Banking service agreements
• Customer rights and responsibilities

What To Expect

This page explains what documents apply to deposit accounts, how Digital Banking agreements work, what Mobile Deposit terms cover, where to find privacy and policy notices, and how account-opening documentation is structured.

Documents may be provided as downloadable files or linked summaries.

Deposit Account Disclosures

These disclosures define how deposit accounts operate.

• Account terms and conditions
• Funds availability information
• Interest and fee disclosures
• Account usage policies
• Customer rights and responsibilities
• Deposit relationship information

Digital Services Agreements

These agreements govern the use of Digital Banking features.

• Online Banking access
• Mobile Banking use
• Bill pay services
• Statements and notices
• Access codes and authentication
• User permissions and controls

Mobile Deposit & Deposit Capture Terms

These terms apply when customers deposit checks digitally.

• Remote deposit capture use
• Check image submission
• Substitute check processing (Check 21)
• Customer responsibilities
• Deposit limits and eligibility
• Retention and destruction requirements

Account Opening Materials

These materials support secure onboarding.

• Identification requirements
• Customer information collection
• Business onboarding materials
• Administrator designation (business)
• Account relationship setup
• Digital enrollment documentation