Digital Banking Agreement
Our parameters for making such determination are not disclosed in order to prevent fraud or other
circumvention. Such parameters comply with all federal and state laws and regulations.
We are NOT liable for any damages you incur due to failure to credit your account if:
- You did not receive confirmation that the deposit was successfully submitted or
- Regardless of receiving such confirmation, we notify you that the deposit has been rejected, which may occur
around the time the check is considered "deposited" in accordance with the above, or later.
You can review the status of a mobile deposited check by visiting the Activity Center area under Transfers in the
Menu in an Orion mobile app. The Activity Center has check statuses, images, and other information. You must
rely on your available balance amount to make determinations about deposited check statuses. You may see a
pending hold on your transaction history indicating a check hold for a mobile deposit. In some cases the amount
you have deposited will vary from the amount on hold.
You must retain each check submitted through Mobile Check Deposit for 60 days after the funds have been posted
to your account. After 60 days, you must dispose of the check in a way that prevents representing for payment,
such as by shredding.
Upon our crediting of the funds to your available balance, you agree to mark the check
prominently as "Void", and you
agree to store each
retained check in a secured locked container until such proper disposal is performed.
You
must promptly
provide any retained check to us as requested
to aid in the clearing and collection
process or to
resolve claims by third
parties with respect to any check.
If an item you submit for deposit is dishonored, rejected, or otherwise returned unpaid, you agree that we may
charge back the amount of
the
return
to the account
the check
was originally deposited
to and
that you
may
be
assessed
a
fee as indicated
in
the fee schedule
relevant
to your account.
If there are not sufficient funds in your account to cover the amount of the returned check, the account will
be
overdrawn
and you will
be
responsible for payment.
Your mobile data or other internet service
provider
may assess fees, limitations, or restrictions. You are solely
responsible for all such fees, limitations, and restrictions.
When
using this Service, you
may experience technical or other difficulties.
We are NOT liable for any technical or
other difficulties that may incur.
In the event this Service is not available to you, you acknowledge that you can attempt to deposit checks at a
branch
office location,
through a participating ATM, or by mail.
Not all share accounts are eligible for receiving deposits through
Mobile Check
Deposit. The eligible share account will
be indicated
in a
list during the deposit
process.
Linked External Accounts
You
may
link external
accounts
held
at other
institutions.
You
may
NOT use this Service to link an external
account
UNLESS you own the account or are otherwise authorized
to
access the funds.
Once an account is linked, you may transfer funds between the external account and your Orion
account electronically by ACH.
If you
have linked external accounts before, by accepting this Agreement you certify that you are an owner or are
authorized
to access
funds in each linked account.
If you determine that you are not an owner and are not authorized
to access an account appearing in your list of linked
accounts, you must
notify us immediately to break the link.