Mobile Deposit Application

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Terms and Conditions

Thank you for using BankLiberty Mobile Banking combined with your handheld's text messaging capabilities. Message & Data rates may apply. For help, text "HELP" to 48179. To cancel, text "STOP" to 25215 at anytime. In case of questions please contact customer service at 816.407.9200 or visit banklibertykc.com.

Terms and Conditions

Program: BankLiberty offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts). Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. This program will be ongoing. Message & Data rates may apply. Customers will be allowed to opt out of this program at any time.

Questions: You can contact us at 816.407.9200, or send a text message with the word "HELP" to this number: 48179. We can answer any questions you have about the program.

To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to this number: 25215. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here. The terms of this Agreement are in addition to those that apply to any account or service you have with us.

Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless. Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at anytime for any reason outside of the reasonable control of BankLiberty or any service provider.

Privacy and User Information: You acknowledge that in connection with your use of Mobile Banking, BankLiberty and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). BankLiberty and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. BankLiberty and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use: You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by BankLiberty (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of BankLiberty or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose BankLiberty, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Liability: BankLiberty makes no representations or warranties whatsoever with regard to Third Party Service Providers’ products or services. Likewise, BankLiberty makes no warranty of any kind, express or implied that our Mobile Banking service will be uninterrupted. We do not, and cannot, warrant that the Service will operate without error, or that it will be available at all times. Accordingly, BankLiberty shall not be liable for any loss, damage, whether direct or indirect, costs, charges or expenses incurred by you due to a delay in or the inability to provide the Mobile Banking services. You agree that neither we, nor our suppliers or our directors, officers or employees be held liable for any technical, hardware or software failure of any kind, any interruption in the availability of our service, any delay in operation or transmission, any incomplete or garbled transmission, virus, malware, loss of data or other similar loss. To the extent we may have breached any term of this consent and agreement, you agree that your sole remedy is to discontinue use of this service.

Indemnification: You agree to indemnify, defend and hold harmless BankLiberty, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors 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 (a) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the Service; (b) your violation of any law or rights of a third party; or (c) your use, or use by a third party, of Mobile Banking.

Use of Google Maps: You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html and the Google Legal Notices found at http://www.maps.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.

 

Mobile Deposit Terms and Conditions

Mobile Deposit allows you to capture an image of the front and back of an original paper check, using a compatible mobile device camera. These images are transmitted to us through your BankLiberty Mobile Banking application.

Check Eligibility: We can only accept checks payable to you, drawn on a U.S. bank. We cannot accept checks already submitted for deposit, payable to others, traveler’s cheques, money orders, foreign checks, substitute checks, returned checks, or postdated and stale dated checks (more than 6 months old). If an image received does not meet our image quality standards, we may reject the image. Each image must include the front and back of the check and be clearly legible.

Endorsement: Endorse the check and add “For Mobile Deposit Only w/BankLiberty” below your signature. All deposits are subject to verification and can be adjusted upon review. BankLiberty reserves the right to reject any image that is not properly endorsed.

Limits: Deposit up to $2,500.00 a day. BankLiberty reserves the right to change these limits at our sole discretion. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, we will not be obligated to allow such a deposit at other times.

Availability: Deposits submitted by 4:00 pm Central Standard Time, on a business day, will usually be available within the next two business days. Deposits submitted after 4:00 pm Central Standard Time will be considered a deposit made on the next business date. All deposits are subject to verification and BankLiberty’s current Funds Availability Policy for Transaction Accounts and can be adjusted upon review.

Disposal of Deposited Items: After transmitting an item to BankLiberty, you agree to retain the original check in a secure location for 30 days, before marking the check void and destroying the item. If requested by us, you agree to provide the original item promptly to BankLiberty. The bank assumes no liability if you are unwilling to present the original item.

Charges and Fees: If an item is dishonored, returned to us unpaid or is not an eligible item, we reserve the right to charge your account for the amount of the item and any related fees listed on your Deposit Agreement and disclosures. You agree that BankLiberty is not liable for any losses, costs, or fees you may incur as a result of our chargeback of a returned or ineligible item.

Errors: You agree to notify BankLiberty of any errors regarding to items deposited through Mobile Deposit promptly, and no later than 60 days after the applicable BankLiberty account statement is provided to you.

Warranties by the Bank: The Bank makes no warranties that the Remote Mobile Service will be error free, secure, and uninterrupted – you agree that the use of the Remote Mobile Service is at your own risk and on an “as is” basis.

We reserve the right to deny access to the use of our Remote Mobile Service without prior notice, if it is unable to confirm your authority to access the Remote Mobile Service or we believe such action is necessary for security reasons.

Change in Terms: BankLiberty reserves the right to change, modify, add or remove portions of this Agreement or to terminate this agreement upon reasonable notice. Your access to this service may be restricted or terminated at our sole discretion upon your misuse of the service or violation of these terms herein.

  I agree to the BankLiberty Mobile Banking Terms and Conditions.

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