Terms & Conditions

General Deposit Terms & Conditions

General Account Terms

Definitions: Throughout these terms and conditions (“Terms”), these terms have the following meaning:

“You,” “your,” and “account owner” refer to the Client whether or not there are one or more Clients named on the account.
“We,” “our,” and “us” refer to the Bank, Battle Bank, N.A..
“Item” or “items,” as defined by Article 4 of the Uniform Commercial Code (UCC), means an instrument or a promise or order to pay money handled by a financial institution for collection or payment. The term includes a check but does not include a payment order governed by Article 4A of the UCC or a credit or debit card slip.
“Debit transactions,” “debit,” or “debits” refer to funds that are taken out of your account. Common types of debits may include: checks that you have written, ACH payments, wire transfers, PIN-based debit card transactions, and signature-based debit card transactions.
“Credit transactions,” “credit,” or “credits” refer to deposits of funds into your account. Common types of credits include: cash deposits, direct deposits, check deposits, and ACH and wire transfers made payable to you. Credits are generally added to your account and are made available to you in accordance with our funds availability schedule.
“Financial intermediary” means any person doing business in Minnesota who offers transaction accounts to the public.
“Transaction account” means a deposit or account established and maintained by a natural person(s) for personal, household, or business purposes, on which the account owner is permitted to make withdrawals by negotiable or transferable instruments, payment orders of withdrawal, or other similar device for the purpose of making payments or transfers to third persons or others, including demand deposits or accounts subject to check, draft, negotiable order of withdrawal, share draft, or other similar item. A transaction account does not include the deposit or account of the personal representative of an estate or the trustee of a trust.
“Business days” are Monday through Friday excluding holidays.
“Banking Day” is between 8:00 a.m. and 6:00 p.m. central time Monday through Friday.

Important Information About Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

You understand that the following terms and conditions (“Terms”) and any other documents applicable to your account that are provided to you govern your Account(s) with us. You understand that your account is also governed by applicable law. These Terms may change from time to time in our sole discretion. If the fees, charges, minimum balance requirements, or other provisions change in a manner that would adversely affect you, we will provide you with written notice prior to the change as required by applicable law. You acknowledge and agree to these Terms governing your account with us and you accept these Terms by using any of your deposit account services.

Account Ownership Descriptions

In Trust For Account. An In Trust For account permits the account owners (trustee(s)) to transfer the account (trust) funds to named beneficiaries. If two or more trustees create an In Trust For account, then between the trustees, the account is treated as a joint account with right of survivorship. The trustee(s) may change the named beneficiaries at any time by written direction in a form acceptable to us. The trustee(s) may withdraw all or part of the funds at any time. Beneficiaries of an In Trust For account receive title and withdrawal rights in accordance with your beneficiary designation and any applicable state law upon your death, after all of the outstanding checks and debits of the owner have been paid. Such payment or withdrawal shall constitute a revocation of the trust for the amount withdrawn. A beneficiary can only acquire withdrawal rights by surviving all of the trustees. If more than one named beneficiary survives all of the trustees, then the beneficiaries will be entitled to equal shares of the funds without right of survivorship between them, unless otherwise indicated. If no beneficiary survives all of the trustees then the trust shall terminate and title to the account shall VEST in the trustees. In that case, it will be treated as an individual account (if there is one surviving trustee) or as a joint account with right of survivorship (if there is more than one surviving trustee) in the name(s) of the surviving trustees, rather than an In Trust For account.

Single-Party Account. The named party in a single-party account owns the account and may withdraw all or some of the funds. On the death of the party, ownership passes as part of the party’s estate unless there is a different disposition by a valid will specifically referring to the account and confirmed in writing to the financial institution by the probate court.

Multiple-Party Account With Right of Survivorship. Any of the named parties may withdraw all or some of the account during the party’s lifetime. If there are two or more surviving parties, their respective ownerships during their lifetime shall be in proportion to their previous ownership interests augmented by an equal share for each survivor of any interest the decedent may have owned in the account immediately before death; and the right of survivorship continues between the surviving parties unless there is a different disposition by a valid will specifically referring to the account and confirmed in writing to the financial institution by the probate court.

Multiple-Party Account Without Right of Survivorship. Any of the named parties may withdraw all or some of the account during the party’s lifetime. Upon the death of a party, that party’s ownership share in the account passes as part of the decedent party’s estate unless there is a different disposition by a valid will specifically referring to the account and confirmed in writing to the financial institution by the probate court.

Single-Party Account With P.O.D. (Pay On Death) Designation. A single-party account with P.O.D. (Payable on Death) designation permits the party to transfer the account upon the death of the party to named P.O.D. beneficiaries. The party owns the account and may withdraw all or some of the account during his or her lifetime. The party may change the named P.O.D. beneficiaries at any time by written direction in a form acceptable to us. If one P.O.D. beneficiary survives the party, then ownership passes to the named P.O.D. beneficiary and is not part of the party’s estate. If two or more P.O.D. beneficiaries survive the party, then they will be entitled to equal shares of the account, unless otherwise indicated, without a right of survivorship, and ownership is not part of the deceased party’s estate. If no P.O.D. beneficiary survives the party, then the account will be a single-party account without P.O.D. (Payable on Death) designation in the name of the party. A right of survivorship may be changed by a specific reference by a valid will and must be confirmed in writing to the financial institution by the probate court.

Multiple-Party With Right of Survivorship and P.O.D. (Payable on Death) Designation. A multiple-party account with right of survivorship and P.O.D. (Payable on Death) designation permits the parties to transfer the account upon the death of all parties to named P.O.D. beneficiaries. Any party may withdraw all or some of the account during the party’s lifetime. The parties own the account in proportion to their net contributions, absent clear and convincing evidence of a different intent. Upon the death of a party, ownership passes to the surviving party or parties rather than passing as part of the decedent party’s estate. If two or more parties survive the decedent party, then the decedent’s ownership passes to the surviving parties in equal shares unless otherwise indicated. The parties may change the named P.O.D. beneficiaries at any time by written direction in a form acceptable to us. At the death of the last surviving party, ownership passes to the surviving P.O.D. beneficiaries and is not part of the last surviving party’s estate. If two or more P.O.D. beneficiaries survive the party, then they will be entitled to equal shares of the account without a right of survivorship, unless otherwise indicated. If no P.O.D. beneficiary survives and there is only one surviving party, then the account will be treated as a single-party account without P.O.D. (Payable on Death) designation and upon the death of that party, ownership passes as part of that party’s estate. If two or more parties survive all P.O.D. beneficiaries, then the account will be treated as a multiple party account with right of survivorship. A right of survivorship may be changed by a specific reference by a valid will and must be confirmed in writing to the financial institution by the probate court.

Business Accounts. Business accounts are those established by any partnership, corporation, association or other entity operated on a for-profit basis; all corporations and associations operated on a not-for-profit-basis; and any individual who intends to use the account for carrying on a trade or business. We reserve the right to require separate written authorization, in a form acceptable to us, telling us who is authorized to act on your behalf. We are authorized to follow the directions of a person designated as having authority to act on the entity’s behalf until we receive written notice that the authority has been terminated and have had a reasonable time to act upon that notice.

Accounts for Minors. If an account is established for a minor as a joint account with an owner who has reached the age of majority in accordance with state law, they are jointly and severally liable to us for any returned Item, overdraft, or unpaid amount on such account and for any related fees and charges. We may pay funds directly to the minor regardless of their age. Unless a parent or guardian is an account owner, the parent or guardian will not have access to the account. We have no duty to inquire about the use or purpose of any transaction except as required by applicable law. We may not change the account status when the minor reaches the age of majority unless the change is authorized in writing by all account owners.

Custodial Account for Minors. Generally, a custodial account is established under the applicable state Uniform Transfers (or Gifts) to Minors Act and used for the transfer of money to a minor. The transfers are complete and irrevocable and the funds in the account belong to the minor but are controlled by, and listed in the name of, the custodian. The law of the state where the custodian resided when the account was opened determines when the minor reaches the age of majority under the applicable Uniform Transfers (or Gifts) to Minors Act. Until the minor reaches the age of majority, withdrawals are paid only upon the signature of the custodian or as required or permitted by law. The minor has unconditional use of the account when he or she reaches the age of majority. Before that time, the account may be accessed only by the custodian (or successor custodian), and the funds must be used for the benefit of the child. We, however, have no duty or agreement whatsoever to monitor or ensure that the acts of the custodian (or successor custodian) are for the minor’s benefit. The custodian is the only party authorized to act on the account until the minor reaches the age of majority.

Your Choice of Account. You have instructed us as to the title and type of the account that you have chosen. You acknowledge that it is your sole responsibility to determine the full legal effect of opening and maintaining the type of account you have chosen. We have not set forth all laws that may impact your chosen account. For example, there are conditions that may need to be satisfied before transferring accounts due to death or other events as well as reductions to an account required or permitted by law. You must determine whether the account you select is appropriate for your current and future needs. Except as required by law, we assume no legal responsibility to inform you as to the effect of your account choice on your legal interests.

Authorization To Obtain Information. You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit and consumer reporting agencies, to verify your eligibility for the account, products and services you request and for other accounts, products, or services we may offer you or for which you may qualify.

Transfers and Assignments. We may assign or transfer any or all of our interest in this account. You cannot assign or transfer any interest in your account unless we agree in writing.

Financial Exploitation. As permitted by law, we may act or decline to act to prevent, stop, or mitigate financial exploitation of an adult. For example, we may (1) delay, decline, or place a hold on a transaction or disbursement involving the adult; (2) approve or deny other requests or modifications to the account, such as a transfer of funds, change in ownership, or change in beneficiaries; or (3) notify a third party of the financial exploitation. We will not be liable for the actions we take on the account if we acted in good faith and exercised reasonable care. For purposes of this section, “adult” means vulnerable adult, elder adult, senior adult, eligible adult, or other person as defined by applicable law.

Authorized Signer (POA) Designation. If you designate an agent, your named agent may make account transactions for parties but has no ownership or rights at death unless named as a POD (pay on death) beneficiary. If you designate that the agent shall continue to have power after your disability or incapacity, the agent’s authority survives your disability or incapacity. The agent may act for a disabled or incapacitated party until the authority of the agent is terminated. If you designate that the agent shall not have power after your disability or incapacity, the agent’s authority terminates upon your disability or incapacity. If you fail to specify whether or not the agent’s authority survives or instead terminates upon your disability or incapacity, the authority will be presumed to survive your disability or incapacity. Death of the sole party or last surviving party terminates the authority of the agent. We may continue to rely on the agency designation to the extent permitted by law, until we have proper notice of an event of termination and have had a reasonable period of time to act upon it. If you wish to name another person to act as your attorney in fact or agent in connection with your account, we must approve the form of appointment.

Community Property. When the account is a joint account between two parties authorized by law to hold community property together and the account is titled as joint tenants with right of survivorship, the account will be owned by the parties who fund the account with community property and hold the property with right of survivorship. Upon the death of either party, the property will vest in and belong to the surviving party. If the account is titled without an indication that it is owned as joint tenants with rights of survivorship, the account will be owned by the parties and all property in the account, including earnings, will be held as community property without right of survivorship; and upon the death of either party, one-half of the property will vest in and belong to the estate of the deceased party. If you are residing in a community property state, you and your spouse may be required to complete additional documentation if your spouse is not an account owner on the joint account or designated as your primary beneficiary on the account.

Multiple Account Owners. If there is more than one account owner for your account, all deposits are the property of the person(s) indicated on the account. We may release all or any part of the amount in the account to honor checks , orders, or other items, or withdrawals or requests from any person named on this account. Any person named on the account is liable for an amount equal to the overdrawn balance plus any overdraft fees regardless of whether he or she signed the item or benefited from the proceeds of the item. Upon receiving written notice from any person named on the account, we may freeze the account. The account may be frozen until we receive written notice, signed by an authorized account owner, as to the disposition of funds. We may also freeze the account upon receipt of notice of the death or incapacity of an account owner until we have received all necessary documentation to establish to whom payment should be made. We may use the funds to satisfy a debt or judgment of any person named on this account if ordered to do so by a court of law.

Restrictive Legends. We are not required to honor any restrictive legend on checks you write unless we have agreed to the restriction in writing signed by an officer of the Bank. Examples of restrictive legends are “two signatures required”, “must be presented within 90 days”, or “not valid for more than $1,000.00.”

Stale or Postdated Checks. We reserve the right to pay or dishonor a check more than six (6) months old without prior notice to you. You agree not to postdate any check drawn on the account. If you do, and the check is presented for payment before the date of the check, we may pay it or return it unpaid. We are not liable for paying any stale or postdated check. Any damages you incur that we may be liable for are limited to actual damages not to exceed the amount of the check.

Preauthorized Checks or Drafts. You should guard information about your account (such as your routing number and your account number) as carefully as you would guard blank checks. If you voluntarily give such information about your account to a party which is seeking to sell you goods or services, without physically delivering a check to that party, any debit to or withdrawal from your account it initiates will be deemed authorized by you.

Verifying Funds Availability For Check. You authorize us to release funds availability information about your account to individuals or merchants who represent to us that they have received a check from you.

Check Safekeeping. If you utilize a check safekeeping system or any other system offered by us for the retention of your checks , you understand that the canceled checks will be retained by us and destroyed after a reasonable time period or as required by law. Any request for a copy of a check may be subject to a fee indicated in the Fee Schedule included in these Terms and as allowed by law. If for any reason we cannot provide you with a copy of a check , our liability will be limited to the lesser of the face amount of the check or the actual damages sustained by you.

Your Responsibility For Back of Check. All negotiable paper (“checks”) presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement. All endorsements on the reverse side of any check deposited into your account must be placed on the left side of the check when looking at it from the front, and the endorsements must be placed so as not to go beyond an area located 1-½ inches from the left edge of the check when looking at it from the front. It is your responsibility to ensure that these requirements are met and you are responsible for any loss incurred by us for failure of an endorsement to meet this requirement.

Electronic Checks and Electronically-Created Items. Pursuant to Regulation CC, electronic checks may be treated the same as paper checks for check collection and processing purposes. See the Substitute Checks section for more information.
Electronically-created items (“ECI”) are check-like items created in electronic form that never existed in paper form. For example, you set up automatic bill payments with us to pay your utility bill. From your account information, we create an ECI that is sent to your utility company for payment. An ECI cannot be used to create a substitute check since it never existed in paper form.

Substitute Checks. To make check processing faster, federal law permits financial institutions to replace original checks with “substitute checks.” These substitute checks are similar in size to the original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. An electronic check can be used to create a substitute check since the electronic image and electronic information was derived from its paper form.

Remote Deposit Capture. Remote deposit capture (“RDC”) allows you to make deposits to your account from remote locations by electronically transmitting digital images of your original paper checks, which are drawn on or payable through United States financial institutions in United States dollars to us. We may then use the digital image to create an electronic check or substitute check for collection. If you use our RDC services, if applicable, we may require you to endorse the back of the paper check to indicate that it has been remotely deposited. For example, “for mobile deposit only” or “for mobile deposit at Battle Bank, N.A. only.”

Remotely Created Checks. A remotely created check, as defined in Regulation CC, means a check that is not created by the paying bank and that does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn. By having a deposit account with us, you certify that all remotely created checks deposited to your account(s) will be expressly and verifiably authorized by the payer. And we reserve the rights to refuse for deposit any such remotely created check if we have any reason to believe that the check is fraudulent in any manner and to obtain from you the payer’s express, verifiable authorization for any such check.

Withdrawals. Deposits will be available for withdrawal consistent with these Terms or other disclosures. Withdrawals may be subject to a service charge.

Deposits. Deposits may be made in person, by mail, or in another form and manner as agreed by us in our sole discretion. We are not responsible for transactions mailed until we actually receive and record them. We may in our sole discretion refuse to accept particular instruments as a deposit to your account. Cash deposits are credited to your account according to these Terms and can be made at our proprietary ATM machine or our branch location only both located at 105 South Main Street Upsala, MN 56384. We do not accept any cash deposits of foreign currency or foreign currency deposits in the form of checks. Other items you deposit are handled by us according to our usual collection practices. If an item you deposit is returned unpaid, we will debit your account for the item and adjust any interest earned. You are liable to us for the amount of any check you deposit to your account that is returned unpaid and all costs and expenses related to the collection of all or part of such amount from you. Funds deposited to your account, excluding any Time Deposit accounts, are available in accordance with the Disclosures.

Collection of Deposited Items. In receiving items for deposit or collection, we act only as your agent and assume no responsibility beyond the exercise of ordinary care. All items are credited subject to final settlement in cash or credits. We shall have the right to forward items to correspondents including all Federal Reserve Banks, and we shall not be liable for default or neglect of said correspondents for loss in transit, nor shall any correspondent be liable except for its own negligence. You specifically authorize us or our correspondents to utilize Federal Reserve Banks to handle such items in accordance with provisions of Regulation J (12 CFR Part 210), as revised or amended from time to time by the Federal Reserve Board. In the event we are subject to local clearing house rules, you specifically authorize us to handle such items in accordance with the rules and regulations of the clearing house.
If we permit you to withdraw funds from your account before final settlement has been made for any deposited item, and final settlement is not made, we have the right to charge your account or obtain a refund from you. In addition, we may charge back any deposited item at any time before final settlement for whatever reason. We shall not be liable for any damages resulting from the exercise of these rights. Except as may be attributable to our lack of good faith or failure to exercise ordinary care, we will not be liable for dishonor resulting from any reversal of credit, return of deposited items or for any damages resulting from any of those actions.

Statements. We will provide you with a periodic statement showing the account activity. The statement will be made available to you electronically unless otherwise requested. You may request a paper statement by contacting Battle Bank Client Solutions Team at 855.922.8853 (BATTLE). The account owner who receives this statement is the agent for his/her co-account owner(s) for purposes of receiving the statement and items. You must exercise reasonable care in reviewing your statement and reasonable promptness in notifying us of any discrepancies, such as alterations or forged or unauthorized signatures, even if by the same wrongdoer. Reasonable promptness will not exist if you fail to notify us within thirty (30) days after we make the statement available to you. If you fail to notify us of any discrepancies, with reasonable promptness, your right to assert such discrepancies will be barred or limited to the extent permitted by law. Additionally, you agree that we will not be liable for discrepancies reported to us after one year after we mail or otherwise make the statement or items available to you, even if we failed to exercise ordinary care. If you do not receive a statement from us because you have failed to claim it or have supplied us with an incorrect address or email address, we may stop sending your statements until you specifically make written request that we resume sending your statements and you supply us with a proper address.

Electronic Statements and Notices. You will have statements, notices and tax documents regarding this account(s) provided to you through our online banking portal. You will receive notifications when new statements, notices and tax documents are available for you in online banking. These notifications will be delivered to you via your preferred notification delivery method: Email or SMS text message. You may change your preferred notification method at any time by logging in to online banking under “Settings”, “My Profile”. You may also opt to receive paper statements, notices and tax documents. To request paper, you must contact Client Solutions Team at 855.922.8853 (BATTLE). Please note, additional fees for paper delivery may apply. See our Fee Schedule for details.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code – Funds Transfers as adopted in the State of Minnesota. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named.

If you are a party to an Automated Clearing House (“ACH”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association (“Nacha”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made.

Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry.

International ACH Transactions. If your transaction originates from a financial agency that is outside of the territorial jurisdiction of the United States, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC). If additional review is required, the International ACH transaction will not be available to you until it passes final verification.

Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you.

Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of Minnesota.

Direct Deposits. We may offer direct deposit services, including preauthorized deposits (e.g., payroll checks, Social Security or retirement checks, or other government checks) or preauthorized transfers from other accounts. If your account is overdrawn, you authorize us to deduct the amount of the overdraft from any deposit, including deposits of government payments or benefits. If we are required to reimburse the U.S. government for any benefit payment directly deposited into your account, we may deduct the amount returned from any of your accounts, unless prohibited by law.

Stop Payments

Stop Payments. We have a daily cutoff time by which we must receive any knowledge, notice, Stop Payment Order, set-off or legal process affecting our right or duty to pay a check. That cutoff time is one hour after the opening of our Banking Day, following the banking day on which we received the check. Our Banking Day is between 8:00 a.m. and 6:00 p.m. central time Monday through Friday.

Stop Payment on Checks. You may stop payment on a check drawn against your account by a record or written order or other confirmation as allowed by us, provided that we receive the Stop Payment Order in a time and manner that gives us a reasonable opportunity to act on it. The Stop Payment Order must describe the check or account with reasonable certainty. Oral requests for a Stop Payment Order are binding on us for fourteen (14) calendar days only and must be confirmed by you in a record or writing within that period. Upon receipt of confirmation in a record or writing, a Stop Payment Order on a check remains in effect for (6) six months or until we receive a record or writing revoking the Stop Payment Order, whichever occurs first. If the check on which a Stop Payment Order has been placed has not cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is in effect. You understand that we may accept the Stop Payment Order request from any of the authorized signers of the account regardless of who signed the check.

Stop Payment on ACH Debits. A Stop Payment Order may be placed on either a one-time debit transfer or on a multiple debit entry transfer. If you request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. If you requested a stop payment on a multiple debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled multiple debit entry. Oral stop payment orders are binding on us for fourteen (14) calendar days only and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization).

The Stop Payment Order shall be governed by the provisions of the Uniform Commercial Code 4A in effect in the state in which we are located, the Electronic Fund Transfer Act (Regulation E), Nacha Operating Rules, and any applicable state law.

You may be charged a fee every time you request a Stop Payment Order, and for each Stop Payment Order renewal you make. See our Fee Schedule for details. A release of the Stop Payment Order may be made by the person who initiated the stop payment request or any of the authorized signers on the account. Our acceptance of a stop payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request.

Death or Incompetency. Neither your death nor a legal adjudication of incompetence revokes our authority to accept, pay, or collect items until we know of the fact of death or of an adjudication of incompetence and have a reasonable opportunity to act on it. To the extent permitted by law, even with knowledge, we may for 10 days after the date of death, pay checks drawn on or before the date of death unless ordered to stop payment by a person claiming an interest in the account.

Non-Sufficient Funds and Overdrafts - Available Balance

How We Decide To Pay An Item or Debit. We use an available balance method to determine if there are sufficient funds in your account to pay an item or debit transaction. The available balance reflects deposits and transactions that have been posted to your account, such as checks you have written, and transactions that have been authorized but not yet posted to your account, including deposit holds and holds on debit card transactions that have been authorized but not yet posted (i.e., preauthorization holds). These pending transactions and holds reduce your available balance. For example, you have $100 in your account and a pending transaction of $30. Your available balance is $70 because the pending $30 transaction reduces your available account balance. If there are insufficient funds to pay a debit transaction or item based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. If we do pay the item, but there aren’t enough funds in your account at that time, you could overdraft your account. We won’t ever charge an overdraft fee when that happens – you’re only responsible for paying back the overdraft amount. If we return the item due to insufficient funds, we will not charge you a return item fee, but you may incur fees from the institution or vendor associated with the returned item.

Return Item For Non-Sufficient Funds. Pursuant to Nacha Operating Rules and Guidelines and other applicable laws, a debit or item may be presented for payment more than one time although Battle Bank will not impose non-sufficient funds fees.

Overdrafts. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts using our standard overdraft practices. Battle Bank will allow your account to overdraw up to $500.00 for any presented Checks or ACH Debits. There is no fee for this service. It is supplied as a courtesy to you thirty (30) days after your account is opened and funded. If we pay the debit transaction or item on your behalf, you will be responsible for the overdrawn balance. As discussed above, subsequent pending transactions and holds impact your available balance, which may cause your account to become overdrawn. For example, you have $100 in your account. You use your debit card at a gas station and a preauthorization hold of $60 is placed on your account because the amount of the transaction is not known at the time of authorization even though your gas was only $50. The authorization hold reduces your available account balance to $40. You then spend $50 on groceries. If we pay this debit on your behalf, you will be responsible for paying the overdrawn balance within thirty (30) days of the overdraft occurrence. Any overdraft amount exceeding the $500 limit during the same thirty (30) day timeframe will be returned as Non-Sufficient Funds (NSF). If we return the item due to insufficient funds, we will not charge you a return item fee, but you may incur fees from the institution or vendor associated with the returned item. Should the overdrawn balance not be paid within the thirty (30) days your account will be closed.

Processing and Posting Order. We will process debit and credit transactions in accordance with our processing order policy. The processing order of these debits and credits is important because if your account balance has insufficient funds to pay for them in the order that they are processed, you could overdraft your account. We generally post transactions to your account in the order in which we receive them. We post deposits before withdrawals. We reserve the right to post transactions – including ATM withdrawals, wire transfers, debit card transactions, checks and any other type of transaction – in any order we determine. We also reserve the right to change our order of posting from time to time. Since we don’t have control over the order in which other institutions present transactions to us, we can’t always control when transactions post and transactions may not post in the order in which you made the transaction. The order in which we post your transactions may affect whether you have sufficient funds and you could overdraft your account. Transactions conducted by you or received by us on non-Business Days are processed on the next Business Day in which we receive the transaction. Deposits received prior to the day’s cut-off time or from the previous Business Day (see the Funds Availability Schedule in our Terms and Conditions) and posted before the withdrawals.

Signatures. You authorize us, at any time, to charge you for all checks , drafts, orders, or other items for the payment of money, that are drawn on us regardless of by whom or by what means your signature may have been affixed. For withdrawal and other purposes relating to any account you have with us, we are authorized to recognize your signature; and we will not be liable to you for refusing to honor signed instruments or instructions if we believe in good faith that one or more of the signatures appearing on the instrument or instructions is not genuine.

Further, most checks , and other items are processed automatically, i.e., without individual review of each item. Therefore, unless we agree in a separate writing, in our sole discretion, upon your request and due to unique circumstances to conduct individual review of each item, you agree that we are acting within common and reasonable banking practices by automatically processing checks , and other items, i.e., without individual review of each check , or item. You agree to indemnify, defend, and hold us harmless from and against all loss, costs, damage, liability, and other injury (including reasonable attorney fees) that you or we may suffer or incur as a result of this practice.

Fees, Service Charges and Balance Requirements. You agree to pay us and are responsible for any fees, charges, or balance/deposit requirements as included in the Fee Schedule or these Terms. Fees, charges, and balance requirements may change from time to time.

Special Account Instructions. You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or provide us with other protection. We may require that account changes requested by any account owner, such as adding or closing an account or service, be evidenced by a signed document that evidences a change to an account and accepted by us. You and any surviving owner or beneficiary agree to indemnify and hold us harmless from any claim or liability asserted against us as a result of the disposition of funds in reliance on these Terms and any account designations of yours.

Set-Offs and Security Interests. If you ever owe us money as a borrower, guarantor, or otherwise, and it becomes due, we have the right under the law (called “set-off”) and under these Terms (by which you grant us a security interest in your deposit account and any other accounts held by you) to use your account funds to pay the debt, where permitted by law. If your account is held jointly, that is, if there is more than one account owner, we may offset funds for the debt of any one of the joint owners. Similarly, we may also set-off funds from the individual accounts of any one of the joint owners to satisfy obligations or debts in the joint account. The security interest granted by this Agreement is consensual and is in addition to our right of set-off.

Claims. In response to any garnishment, attachment, restraining order, injunction, levy, citation to discover assets, judgment, reclamation, other order of court, or other legal process (“Claim(s)”), we have the right to place a hold on, remove from your account(s) and/or remit to the designated third party(ies) any amount on deposit in your account(s) as set forth in and required by such Claim(s). If the account(s) is/are held jointly, we may place the hold, remove from the account(s) and/or remit the amounts from the account(s) arising from any Claim(s) relating to any one or more of the account owners. In addition, we may charge against your account(s) any fee authorized by law in connection with the Claim(s) or as otherwise set forth in these Terms or other disclosures.

Dormant/Inactive Accounts. You understand that we may charge you fees if your account is dormant or inactive to the extent permitted by the law. You agree that we are relieved of all responsibility if your account balance is escheated (that is, turned over to the state) in accordance with state law.

Attorneys’ Fees and Expenses. You agree to be liable to us for any loss, costs or expenses, including reasonable attorneys’ fees to the extent permitted by law, that we incur as a result of any dispute involving your account, and you authorize us to deduct any such loss, costs or expense from your account without prior notice to you. This obligation includes disputes between yourself and us involving the account and situations where we become involved in disputes between you and an authorized signer, another joint owner, or a third party claiming an interest in the account. It also includes situations where you, an authorized signer, another joint owner, or a third party takes action with respect to the account that causes us, in good faith, to seek the advice of counsel, whether or not we actually become involved in a dispute.

Legal Process Against Account. You agree to be responsible for, to reimburse us, and/or have your account charged for any expenses or reasonable attorney fees we incur due to an attachment, garnishment, levy or subpoena of records of your account. Any garnishment or other levy against your account is subject to our right of set-off and security interest. We may restrict the use of your account if it is involved in any legal proceeding.

Closing Account. We may close the account at any time, with or without cause, after sending you 30 days prior written notice of our intent to close the account. Such a termination will not release you from any fees or other obligations incurred before the termination. Upon the expiration of the 30 days, we will send you a check for the balance in our possession to which you are entitled. However, if we have reasonable suspicion to believe that the account is being used in connection with a check-related fraud or other crime or that funds will not be available to pay items drawn on the account, the notice may be sent the same day as the account is closed.

Our Waiver of Rights. You understand and agree that no delay or failure on our part to exercise any right, remedy, power or privilege available to us shall affect or preclude our future exercise of that right, remedy, power or privilege.

Your Waiver of Notice. You waive any notice of non-payment, dishonor or protest regarding any items credited to or charged against your deposit account. For example, if a check that you deposited is dishonored and returned to us, we are not required to notify you of the dishonor.

Notice. You are responsible for notifying us of any address or name changes, death of an account owner, or other information affecting your account. Notices must be in a form and manner acceptable to us with enough information to allow us to identify the account. Notice sent by you to us is not effective until we have received it and have had a reasonable opportunity to act upon it. Written notice sent by us to you is effective when sent to you via your preferred notification delivery method.

Liability. If we do not properly complete a transaction according to these Terms, we will be liable for your losses or damages not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if, for example: (1) your account contains an insufficient available balance for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another financial institution’s negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, except liability for wrongful dishonor. We are not responsible for a check that is paid by us if we acted in a commercially reasonable manner and exercised ordinary care. We exercise ordinary care if our actions or non-actions are consistent with applicable state law, Federal Reserve regulations and operating letters, clearing house rules, and general financial institution practices followed in the area we serve. You grant us the right, in making payments of deposited funds, to rely exclusively on the form of the account and the terms of these Terms. Any conflict regarding what you and our employees say or write will be resolved by reference to these Terms.

Taxpayer Identification Number and Backup Withholding. You must provide a taxpayer identification number (hereinafter TIN) with your account with us. If you fail to provide your TIN within a reasonable time, we may suspend opening your account or close your account and return the balance to you, less any applicable service fees. Your failure to furnish a correct TIN or meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal Revenue Service a percentage of payments.

Telephone and Electronic Communication. You agree that we may call or send text messages to you at the telephone numbers that you provide to us, including a cell phone number, which may result in charges to you, for informational purposes regarding your account(s) with us. These calls and text messages may be made from an automatic telephone dialing system (i.e., an autodialer) or from an artificial or prerecorded voice message system. Additionally, you agree that we may send electronic communication to you at the email addresses you provide to us. You may contact us at any time if you no longer want to receive these communications from us. You also agree that we may monitor and record telephone and electronic communications that affect your account(s) with us to the extent permitted by law. We need not provide further notice to you or receive additional approval.

Online or Mobile Services. If you open an account or obtain a product or service from us using our online or mobile services, we may record your personal information from a scan or a copy of your driver’s license or other personal identification card, or we may receive an image or make a copy of your driver’s license or other personal identification card. We may store or retain this information to the extent permitted by law.

Amendments and Alterations. You agree that the terms and conditions governing your account may be amended by us from time to time. We will notify you of amendments as required by applicable law. Your continued use of the account evidences your agreement to any amendments. Notices will be sent to the most recent email address shown on the account records. Only one notice will be given in the case of joint account owners.

Severability. If a court for any reason holds a provision of these Terms to be unenforceable, the rest remains fully enforceable. All headings are intended for reference only and are not to be construed as part of these Terms.

Enforcement. You are liable to us for any losses, costs, or expenses we incur resulting from your failure to follow these Terms. You authorize us to deduct any such losses, costs, or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce these Terms, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions.

Effective Applicable Laws and Regulations. You understand that these Terms and Conditions and this Agreement are governed by the laws of Minnesota, except to the extent that federal law is controlling and includes, but is not limited to, Article 4A of the Uniform Commerical Code. Changes in these laws and regulations may modify these Terms and Conditions of your account. We do not have to notify you of these changes, unless required to do so by law. If any of these Terms of this Agreement come into conflict with the applicable law and are declared to be invalid or unenforceable, they will be nullified to the extent that they are inconsistent with the law and the applicable law will govern. However, this shall not affect the validity of the remaining provisions.

Additional Business Account Deposit Account Terms and Conditions

Additional Documents To Open Account. When a corporation, partnership, trust or other legal entity opens an account or requests credit, we will ask for the entity’s name, physical address, tax identification number, and other information that will allow us to identify the entity. We may also ask to see other identifying documents, such as certified articles of incorporation, partnership agreements or a trust instrument. You agree to supply us with a copy of any chartering document, Operating Agreement, or related documents requested by us.

Escrow, Trust, Fiduciary And Custodial Accounts. When your account is set up as an escrow account, trust account, fiduciary account or custodial account, it is your sole responsibility to determine the legal effects of opening and maintaining an account of this nature. We have no obligation to act as trustee or to inquire into your powers or responsibilities over this account. We reserve the right to require the documentation necessary under applicable law to establish, maintain, manage, and close this account. There may be additional terms and conditions that apply to this account that are governed by a separate agreement.

Unlawful Internet Gambling – Regulation GG. Restricted transactions are prohibited from being processed through your account with us as required by the Unlawful Internet Gambling Enforcement Act of 2006 (the “Act”) and Regulation GG. A restricted transaction is a transaction or transmittal involving any credit, funds, instrument, or proceeds in connection with the participation of another person in unlawful Internet gambling. Regulation GG prohibits any person engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful internet gambling. Battle Bank clients must not initiate or receive wire transfers, checks, drafts or other debit/credit transactions that are restricted by the Act. You will notify us if your business practices regarding Internet gambling change in the future.

Certified Beneficial Owner Information. If you are obligated to certify beneficial ownership at the time the account is opened, you are responsible for notifying us of any changes to the certified beneficial ownership information of the legal entity client that was provided to us. Notice should be made to us as soon as practical upon a change to the beneficial ownership information in a form and manner acceptable to us.

Notice of Potential Disclosure of Negative Information To Consumer Reporting Agencies
This notice is being furnished pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681) as
amended by the Fair and Accurate Credit Transactions Act of 2003 (FACT Act).
Notice
We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Substitute Check Policy

What Is a Substitute Check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: “This is a legal copy of your check. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check.

Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions.

What Are My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees).

The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law.

If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account.

How Do I Make a Claim for a Refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us by:

Mail at: 1377 Motor Parkway Suite 100 Islandia NY 11749
Email at: [email protected]

You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances.
Your claim must include:

A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);
An estimate of the amount of your loss;
An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and
A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, the name of the person to whom you wrote the check, the amount of the check.

Funds Availability Policy Disclosure

This disclosure describes your ability to withdraw funds at Battle Bank, N.A.. It only applies to the availability of funds in your transaction accounts (e.g., checking accounts). We reserve the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those outlined in this policy. Please ask us if you have a question about which accounts are affected by our availability policy.
For purposes of this disclosure, the terms “you” or “your” mean Client and the terms “our,” “we,” or “us” mean Battle Bank, N.A.

Your Ability to Withdraw Funds. Our policy is to delay the availability of funds from your check deposits. During the delay, you may not withdraw the funds in cash, and we will not use the funds to pay checks that you have written. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day that we are not open, we will consider the deposit made on the next business day we are open.

Deposits at Other Locations. This availability policy only applies to funds deposited at Battle Bank, N.A.. Please inquire for information about the availability of funds deposited at other locations.

Determining the Availability of Your Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays.

The length of the delay varies depending on the type of deposit and is explained below.

Availability Schedule

Same-Day Availability. Funds from electronic direct deposits to your account, as well as funds from the following deposits, will be available on the same business day that we receive the deposit:

Cash
Wire Transfers

Next-Day Availability. Funds from the following deposits are available by the first business day after the day of your deposit:

U.S. Treasury checks that are payable to you
U.S. Postal Service money orders that are payable to you
Federal Reserve Bank or Federal Home Loan Bank checks, if these items are payable to you
State or Local government checks that are payable to you
Cashier’s, Certified, or Teller’s checks that are payable to you
Checks drawn on Battle Bank, N.A.

Availability of Other Check Deposits. The first $275.00 from a deposit of other checks will be available by the first business day after the day of your deposit. The remaining funds will be available by the second business day after the day of your deposit. For example, if $275.00 is initially made available to you and if you deposit a check of $700.00 on Monday, $275.00 of the deposit will be available by Tuesday. The remaining $425.00 will be available by Wednesday.

Exceptions to Availability Schedule

Longer Delays May Apply. Funds you deposit by check may be delayed for a longer period under the following circumstances:

(a) if we believe a check you deposit will not be paid;
(b) if you deposit checks totaling more than $6,725 on any one day;
(c) if you redeposit a check that has been returned unpaid;
(d) if you have overdrawn your account repeatedly in the last six months; or
(e) if an emergency condition arises that would not enable us to make the funds available to you, such as the failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the fifth business day after the day of your deposit.

New Accounts

Special Rules for New Accounts. If you are a new Client, the following special rules may apply during the first 30 days your account is open.

Same-Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from cash and wire transfers will be available on the day we receive the deposit if the deposit meets certain conditions. For example, the deposits must be payable to you.

Next-Day Availability. The first $6,725 of a day’s total deposits of the following will be available by the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you.

U.S. Treasury checks
U.S. Postal Service money orders
Federal Reserve Bank or Federal Home Loan Bank checks
State or Local Government checks
Cashier’s, Certified, or Teller’s checks
Traveler’s checks

The excess over $6,725 of a day’s total check deposits will be available by the fifth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $6,725 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available by the fifth business day after the day of your deposit.

Foreign Checks. Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions and are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

Additional Deposit Information. *CASH DEPOSITS. References to cash deposits are only accepted at our proprietary ATM machine or at our bank branch located at 105 South Main Street Upsala, MN 56384.
*NO FOREIGN CURRENCY. We do not accept cash deposits of foreign currency. We also do not accept foreign currency deposits in the form of checks.

Electronic Fund Transfer

The Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to Clients regarding electronic fund transfers (“EFTs”). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, family or household purposes. Examples of EFT services include direct deposits to your account, automatic regular payments made from your account to a third party and one-time electronic payments from your account using information from your check to pay for purchases or to pay bills. This disclosure also applies to the use of your Battle Bank Debit Card (hereinafter referred to collectively as “Debit Card”) at automated teller machines (ATMs) and any networks described below. For purposes of this disclosure, “Business Day” means Monday through Friday excluding holidays.
Regulation E applies to consumers, which are defined as “natural persons” who open or maintain accounts primarily for personal, family, or household purposes. It does not apply to commercial entities or accounts opened or maintained primarily for business purposes..

Debit Card Services

Electronic Fund Transfer Services Provided

Debit Card Services. The services available through use of your Debit Card are described below.

Battle Bank Debit Card Services:

You may withdraw cash from your checking account(s) and money market account(s).
You may make balance inquiries on your checking account(s) and money market account(s).
You may use your card at any merchant that accepts Mastercard® Debit Cards for the purchase of goods and services.

ATM Services.

Network. Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions.
You may access your Debit Card through the following network(s): MasterCard, Maestro, Cirrus, MoneyPass and Accel.

ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer.

Time Needed To Complete Terminal Transactions.

Point of Sale Transactions. Listed below is the card you may use to purchase goods and services from merchants that have arranged to accept your card as a means of payment (these merchants are referred to as “Participating Merchants”). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your card, including any purchase where you receive cash, are referred to as “Point of Sale” transactions and will cause your “designated account” to be debited for the amount of the purchase. We have the right to return any check or other item drawn against your account to ensure there are funds available to pay for any Point of Sale transaction. We may, but do not have to, allow transactions which exceed your available account balance. If we do, you agree to pay an amount equal to the overdrawn balance plus any overdraft fees.

The following card and the corresponding designated account(s) may be used for Point of Sale transactions:

Battle Bank Debit Card: checking account.

Your Debit Card may also be used to obtain cash from your designated account(s) at participating financial institutions when so authorized under these Terms.

Payment for goods or services made by a transfer of funds through a terminal shall not affect any of the rights, protections, or liabilities in existing law concerning a cash or credit sale made by means other than through the use of a terminal. You cannot reverse a Point of Sale transaction.

AUTHORIZATION HOLDS. An authorization hold is a temporary hold that is placed on your account for certain Debit Card transactions. The amount of the temporary hold may be more than the actual amount of the transaction, so your available account balance will temporarily be reduced by the amount of the temporary hold. If the authorization hold or the processing of subsequent transactions causes your account to have insufficient funds to pay the transaction, based on your available balance, we may either: 1) return the debit or item or 2) pay the debit or item at our discretion. If we do pay the item, but there aren’t enough funds in your account at that time, you could overdraft your account. We won’t ever charge an overdraft fee when that happens – you’re only responsible for paying back the overdraft amount.

Currency Conversion – Mastercard®. If you perform transactions with your card with the Mastercard® logo in a currency other than US dollars, Mastercard International Inc. will convert the charge into a US dollar amount. At Mastercard International they use a currency conversion procedure, which is disclosed to institutions that issue Mastercard®. Currently the currency conversion rate used by Mastercard International to determine the transaction amount in US dollars for such transactions is based on rates observed in the wholesale market or government-mandated rates, where applicable. The currency conversion rate used by Mastercard International is generally the rate of the applicable currency on the date that the transaction occurred. However, in limited situations, particularly where transactions are submitted to Mastercard International for processing are delayed, the currency conversion rate used may be the rate of the applicable currency on the date that the transaction is processed.

Important Additional Fee Notice. Mastercard® charges us a Currency Conversion Fee of 2% of the transaction amount for performing currency conversions and a Cross-Border Fee of 1% of the transaction on all cross-border transactions (even those with no currency conversion). Therefore, you will be charged 3% of the dollar amount on all cross-border transactions – i.e., transactions processed through the “Global Clearing Management System” or the “Mastercard Debit Switch” when the country of the merchant or machine is different than your country as cardholder. Be aware that when making online purchases you may not know that the merchant is located in a different country.

Preauthorized Transfers

You may arrange for the preauthorized automatic deposit of funds to your checking account(s) and money market account(s).
You may arrange for the preauthorized automatic payments or other transfers from your checking account(s) and money market account(s).

Internet and Mobile Banking

Services Provided Through Use of Online Banking (OLB). Battle Bank, N.A. offers its Clients use of our Online Banking (OLB) service.
This Online Banking (OLB) Service Agreement (“Agreement”) explains the terms and conditions governing the online banking services offered by us through our Online Banking servicing portal. All online banking services of any kind whatsoever offered or made available by us (including, but not limited to, bill payment services, electronic funds transfers, receiving and viewing periodic account, tax and pay-off statements, check reordering, and receiving certain other notices, disclosures and correspondence) will be referred to collectively as “Online Banking Service” in this Agreement. “Online Banking” is the service portal that provides online access to your account(s) with us, (including, but not limited to, mortgage loans, consumer loans, debit cards, deposit accounts, and investment accounts). This Agreement governs the terms of the Online Banking Services we provide through the Online Banking service portal. You may be required to accept and agree to additional supplemental terms and conditions for specific Online Banking Services after your enrollment in Online Banking. This Agreement supplements and is part of the terms and conditions of any accounts you may have with us. If a discrepancy or inconsistency were determined to exist between the terms and conditions and other provisions of this Online Banking Service Agreement and your Account Agreement, or a similar account agreement between you and one of our affiliates, then this Online Banking Service Agreement shall control with respect to Online Banking and Online Banking Services, but only to the extent necessary to address the discrepancy or inconsistency.

Definitions in this Online Banking Service Agreement:

The terms “you,” “your,” “authorized user,” and “account owner” refer to the account owner, authorized signers, or individuals authorized by the account owner to access Online Banking. The terms “we,” “us,” and “our” refer to Battle Bank, the financial institution.
“Account” refers to your account(s) with us that you have designated for Online Banking services access and that we allow to be included under these Online Banking services. The type(s) of account that may be designated for Online Banking services include consumer and commercial deposit accounts, such as Checking, Savings, Money Market, and Certificate accounts. You must be an account owner/authorized signer for each account that you designate, and each account must permit withdrawal by a single signer.
“Login Credentials” refers to the combination of your Online Banking services identification and password that must be used together to securely access your account information.
“Disclosures” refer to any regulatory disclosures provided to you at the time of depository account opening, such as the Terms and Conditions, Truth in Savings Disclosure, Funds Availability Disclosure, Electronic Funds Transfer Disclosure, Account Agreement, Privacy Disclosure, Substitute Check Policy Disclosure, as well as any Fee Schedule.
“Business Day” refers to the financial institution’s hours of operation for the purpose of conducting banking business: Monday through Friday.
“Check Images” refers to the digital image of any check you transmit to us using Remote Deposit Capture.
“Item” refers to the definition provided in Article 4 of the Uniform Commercial Code: an instrument of a promise or order to pay money handled by a bank for collection or payment. The term does not include a payment order governed by Article 4A or a credit or debit card slip.
“Check” refers to the definition provided in Regulation CC – Availability of Funds and Collection of Checks: (1) a negotiable demand draft drawn on or payable through or at an office of a bank; (2) a negotiable demand draft drawn on the Federal Reserve Bank of a Federal Home Loan Bank; (3) a negotiable demand draft drawn on the Treasury of the United States; (4) a demand draft drawn on a state government or unit of general local government that is not payable through or at a bank; (5) a United States Postal Service money order; or (6) a traveler’s check drawn on or payable through or at a bank. The term check includes an original check and a substitute check.
“Original Check” refers to the definition provided in Regulation CC – Availability of Funds and Collection of Checks: the first paper check issued with respect to a particular payment transaction.
“Substitute Check” refers to the definition provided in Regulation CC – Availability of Funds and Collection of Checks: a paper reproduction of an original check that – (1) contains an image of the front and back of the original check; (2) bears a MICR line that, except as provided under ANS X9.100-140, contains all the information appearing on the MICR line of the original check at the time that the original check was issued and any additional information that was encoded on the original check’s MICR line before an image of the original check was captured; (3) confirms in paper stock, dimension, and otherwise with ANS X9.100-140; and (4) is suitable for automated processing in the same manner as the original check.
“Record” refers to a writing created, generated, sent, communicated, received, or stored by electronic means.
“Electronic Check” refers to the definition provided in Regulation CC – Availability of Funds and Collection of Checks: electronic image of, and electronic information derived from, a paper check or paper returned check, respectively, that – (1) is sent to a receiving bank pursuant to an agreement between the sender and the receiving bank; and (2) conforms with ANS X9.100-187, unless the Board by rule or order determines that a different standard applies or the parties otherwise agree.

System Requirements. Online Banking provides you with the convenience and flexibility to perform certain banking transactions and functions for designated Account(s) through internet access on your personal computer or via a wireless handheld device. You must meet the following minimum software and hardware requirements for each device you use to access Online Banking: (1) Current Version of Microsoft Edge, Firefox, Safari, Google Chrome, iOS or Android (preferred web browsers are: Microsoft Edge or Google Chrome); (2) Connection to the Internet; (3) Active email account; (4) Current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader; and (5) A Computer, Mobile Device or Tablet capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.

Account Access. You may access your Account(s) at Battle Bank’s website, BattleBank.com. You must follow all necessary instructions and obtain your Login Credentials before gaining access to Online Banking. We may also utilize unique identifying information to confirm your identity. Your Login Credentials are used to gain access to Online Banking and should be kept confidential at all times. It is recommended that you change your Login Credentials through Online Banking, or with the assistance of our Client Solutions Team, as allowed by our security requirements. There may be additional or optional security measures instituted by us to ensure the security of Online Banking.

Use of Personal Information. If you open an account or obtain a product or service from us using our online or mobile services, we may record your personal information from a scan or a copy of a driver’s license or other personal identification card, or we may receive an image or make a copy of your driver’s license or other personal identification card. We may store or retain this information to the extent permitted by law.

Account Liability for Unauthorized Online Account Use. Subject to federal and state law and the terms and conditions of this Agreement, you are liable for any transaction or function performed using Online Banking, whether made by yourself or someone authorized by you using your Login Credentials. You agree to take all reasonable measures to protect the security of your Login Credentials. For consumer accounts, please refer to the Consumer Liability section of your Electronic Fund Transfer Disclosure and Agreement for our liability policy. As a precaution, we recommend that you do not send emails or other electronic messages containing confidential Account information. You agree to not leave any device unattended while logged into Online Banking, and you should never share your Login Credentials with us or anyone else. You understand that we are entitled to act upon any instructions received under your Login Credentials; therefore, you agree to guard and protect your Login Credentials to ensure the security and protection of your Account(s). If you have any concerns or suspicions that an unauthorized person has gained access to your Account through Online Banking, we recommend that you change your Login Credentials if possible and notify us immediately.

Online Transaction Funding. In order for us to process an Online Banking transfer request, the Account that you have designated for the debit must have sufficient funds to cover the transfer and the funds must be considered available as described in our Funds Availability Policy. Please refer to your Disclosures for any non-sufficient funds fee or other fee(s) that may be assessed. We are under no obligation to you when we have been unable to complete a transfer request due to insufficient or unavailable funds, or due to other circumstances out of our control, such as a system or power failure. If we are consistently unable to complete the requested transfer due to insufficient funds in the designated debit Account, then we reserve the right to cancel the transfer request and to review your Online Banking privileges. Please refer to your account opening Disclosures for any overdraft services policies related to funding your accounts and any overdraft fees.

Effective Timing of Transactions. Online Banking is available at any time or day, unless the system is undergoing maintenance. The posting of Online Banking transactions before End of business on a Business Day will post the same day and will be included in the available funds for the receiving Account. Transfers requested after End of business on a Business Day or requested on a non-Business Day will post on the following Business Day to the receiving Account and will be considered available funds on that day.

Canceling a Transfer. A one-time transfer is immediate and cannot be canceled. The deadline for canceling a recurring transfer request is End of business. If you have any questions or problems canceling the transfer, please contact us.

Cost of Service. Account transaction fees as stated in any Disclosures and Fee Schedule provided to you remain in effect and are not eliminated or changed with the use of Online Banking. You have sole responsibility for any service fees you incur from your telephone, internet, or wireless service providers.

Mobile Banking. Mobile Banking services refers to all financial services made available to you and which you may access through the use of a wireless handheld device or mobile phone, including but not limited to, viewing account balances, remote deposit capture, and text message banking.

Accessibility and Liability. Our Mobile Banking services are designed to be available twenty-four (24) hours each day, seven (7) days per week. We do not warrant that Mobile Banking services will always function properly or that disruption or suspension of Mobile Banking services will not occur. You agree that we will not be liable for any loss, costs, damages, or expenses resulting from the interruption of Mobile Banking services. You also agree that these Mobile Banking services are separate from any services provided by your wireless service provider. Your wireless provider is responsible for any issues involving your handheld device, your internet access, or any other of its services and products you use to access Mobile Banking services. Standard data and messaging rates, short message service (SMS) fees, and other charges from your wireless provider apply when utilizing Mobile Banking services.

Mobile Devices. You are responsible for providing and maintaining your own wireless handheld device and for ensuring that is compatible with Mobile Banking services. We are not responsible for any problems you may experience with your equipment or for any damage to your device from the use of Mobile Banking services. You understand that wireless devices may be subject to viruses, and we are not responsible for ensuring your device is protected from these viruses.

Transaction Limits. You acknowledge that we may limit the number and frequency of transactions conducted through Mobile Banking services and that we may also place limits on transaction and transfer amounts in our sole discretion.

Electronic Check Conversion. If your account is a checking account, you may authorize a merchant or other payee to make a one-time electronic payment from this account using information from your check to pay for purchases or to pay bills.

Limitations On Transactions

Transaction Limitations – Battle Bank Debit Card.

Cash Withdrawal Limitations. You may withdraw up to $600.00 through use of ATMs in any one day.
Point of Sale Limitations. You may buy up to $3,000.00 worth of goods or services in any one day through use of our Point of Sale service.
Total Daily Limits. In addition to the ATM limit or Point of Sale limits disclosed above, a total daily limit is imposed on these transactions. The maximum amount of cash withdrawals and Point of Sale transactions is limited to $3,000.00 in any one day.

Other Withdrawal Limitations. Battle Bank, N.A reserves the right to change dollar amount limits at any time upon prior notification.

Other Limitations.

The external transfer ACH daily limit is $250,000 either as an aggregate total of inbound and outbound for the day or as a single transfer per day. The monthly limit is $1,000,000 (calendar month).
Transfers made before 6:00 p.m. central time on a Business Day will be processed immediately and posted to the external account within two (2) Business Days. External transfer requests received after this time, or on Saturdays, Sundays and Holidays will be processed on the next Business Day.
These Terms may limit the number of withdrawals you may make each month. Restrictions disclosed at the time you opened your account(s), or sent to you subsequently will also apply to your electronic withdrawals and electronic payments unless specified otherwise.
We reserve the right to impose limitations for security purposes at any time.
Mobile Deposit Daily and Monthly Limit: We reserve the right to impose limits on the amount(s) and/or number of Mobile Deposits that you transmit using the Mobile Deposit Service and to modify such limits from time to time. Presently the limit is $500,000 per day, but we may revise such limits from time to time in our sole discretion. The monthly limit is $1,000,000 (calendar month). We may, at our option, refuse to accept a Mobile Deposit that exceeds the limits, or we may accept and process the Mobile Deposit.

Notice of Rights and Responsibilities

The use of any electronic fund transfer services described in this document creates certain rights and responsibilities regarding these services as described below.

Right to Receive Documentation of Your Transfers.

Terminal Transactions. Upon completing a transaction at an electronic financial terminal you will receive a receipt or record of the transaction (unless you have chosen not to get a receipt). These receipts (or the transaction number given in place of the receipt) should be retained to verify that a transaction was performed.
Periodic Statements. If your account is subject to receiving a monthly statement, all EFT transactions will be reported on it. If your account is subject to receiving a statement less frequently than monthly, then you will continue to receive your statement on that cycle, unless there are EFT transactions, in which case you will receive a monthly statement. In any case you will receive your statement at least quarterly.
Preauthorized Deposits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company:

Using Your Card and Personal Identification Number (“PIN”). In order to assist us in maintaining the security of your account and the terminals, the Debit Card remains our property and may be revoked or canceled at any time without giving you prior notice. You agree not to use your Debit Card for a transaction that would cause your account balance to go below zero, or to access an account that is no longer available or lacks sufficient funds to complete the transaction, including any available line of credit. We will not be required to complete any such transaction, but if we do, we may, at our sole discretion, charge or credit the transaction to your account; you agree to pay us the amount of the improper withdrawal or transfer upon request.

Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Battle Bank, N.A. immediately if your Debit Card is lost or if the secrecy of your PIN is compromised. You also agree not to reveal your PIN to any person not authorized by you to use your Debit Card or to write your PIN on your Debit Card or on any other item kept with your Debit Card. We have the right to refuse a transaction on your account when your Debit Card or PIN has been reported lost or stolen or when we reasonably believe there is unusual activity on your account.

The security of your account depends upon your maintaining possession of your Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. You may change your PIN at an ATM or via the telephone.

Rights Regarding Preauthorized Transfers.

Rights and Procedures to Stop Payments. If you have instructed us to make regular preauthorized transfers out of your account, you may stop any of the payments. To stop a payment,

call us at: 855.922.8853 (BATTLE) or by logging into your account
or
write to: 1377 Motor Parkway, Suite 100, Islandia NY 11749

We must receive your call or written request at least three (3) business days prior to the scheduled payment. If you call, please have the following information ready: your account number, the date the transfer is to take place, to whom the transfer is being made and the amount of the scheduled transfer. If you call, we may require you to put your request in writing and deliver it to us within fourteen (14) days after you call.

Notice of Varying Amounts. If you have arranged for automatic periodic payments to be deducted from your checking or savings account and these payments vary in amount, you will be notified by the person or company you are going to pay ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

Our Liability for Failure to Stop Preauthorized Transfer Payments. If you order us to stop one of the payments and have provided us with the information we need at least three (3) business days prior to the scheduled transfer, and we do not stop the transfer, we will be liable for your losses or damages.

Your Responsibility To Notify Us of Loss or Theft. If you believe your Debit Card, PIN, or internet banking access code has been lost or stolen,

call us at: Number on the back of the card (24/7) or 855.922.8853 (BATTLE) (between 8:00 a.m. and 6:00 p.m. central time)
or
write to: 1377 Motor Parkway Suite 100, Islandia NY 11749

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. Access your account online to report your card lost or stolen 24/7.

Consumer Liability

Tell us at once if you believe your Debit Card or PIN or internet banking access code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) business days after you learn of the loss or theft of your internet banking access code you can lose no more than fifty dollars ($50) if someone used your or internet banking access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your internet banking access code and we can prove we could have stopped someone from using your internet banking access code without your permission if you had given us notice, you can lose as much as five hundred dollars ($500).

For Cards. We shall be liable for all unauthorized withdrawals unless the unauthorized withdrawal was due to the loss or theft of your Debit Card, in which case you shall be liable, subject to a maximum liability of $50.00, for those unauthorized withdrawals that you or a member of your family or household derived no benefit made prior to the time we are notified of the loss or theft. The limitation on liability is effective only if we are notified of the unauthorized charges contained in a periodic statement within sixty (60) days of receipt of the periodic statement by the person in whose name the Debit Card is issued.

For Unauthorized Transfers. The limitations on your liability for unauthorized transfers described in the following paragraph do not apply to preauthorized automatic payments from your checking account(s) and money market account(s). Unless you have complied with the procedures to stop the preauthorized payment described above, your liability for such unauthorized transfers is unlimited.
If your statement shows transfers you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within sixty (60) days after the periodic statement or receipt was transmitted to you, you may not receive back any money you lost after the sixty (60) days, and therefore, you may not get back any money in your account, if we can prove that we could have stopped someone from taking the money had you given us notice in time. If a good reason (such as a long trip or hospital stay) keeps you from giving the notice, we will extend the time periods.

Consumer Liability For Unauthorized Transactions Involving Battle Bank Debit Card. The limitations on your liability for unauthorized transactions described above generally apply to all electronic fund transfers. However, different limitations apply to certain transactions involving your card with the Mastercard® branded card.
If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your Mastercard® branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us.

Illegal Use of Battle Bank Debit Card. You agree not to use your Battle Bank Debit Card for any illegal transactions, including internet gambling and similar activities.

In Case of Errors or Questions About Your Transactions. In case of errors or questions about your electronic fund transfers,

call us at: Go online or call us at 855.922.8853 (BATTLE)
or
write to: 1377 Motor Parkway Suite 100, Islandia NY 11749
or
email us at: [email protected]
or
use the current information on your most recent account statement.

Notification should be made as soon as possible if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt. You must contact Battle Bank, N.A. no later than 60 days after we sent you the first statement on which the problem or error appears. You must be prepared to provide the following information:

Your name and account number.
A description of the error or transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information.
The dollar amount of the suspected error.

If you provide oral notice, you will be required to send in your complaint or question in writing within ten (10) business days.
We will determine whether an error occurred within ten (10) business days (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days (ninety (90) days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days for new accounts) for the amount which you think is in error, so that you will have the use of the money during the time it takes 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 credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (30) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions.
We will tell you the results within three (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.

If you are reporting an error on an ACH transaction, please go online and complete the written statement of unauthorized debit form and email or mail the form to the address listed on your statement.

Liability For Failure To Complete Transaction. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement, we will be liable for your losses or damages as provided by law. However, there are some exceptions. We will NOT be liable, for instance:

If through no fault of ours, you do not have enough money in your account to make the transfer.
If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.
If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.
If circumstances beyond our control (such as fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.
If we have terminated our agreement with you.
When your Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.
If we receive inaccurate or incomplete information needed to complete a transaction.
In the case of preauthorized transfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.
If the funds in the account are subject to legal action preventing a transfer to or from your account.
If the electronic terminal does not have enough cash to complete the transaction.

There may be other exceptions provided by applicable law.

Right To Bring Civil Action. You may bring a civil action against any person violating any provision of Minnesota Statutes Sec. 47.69 (governing consumer privacy and authorized withdrawals). If you prevail in such an action, you may recover the greater of your actual damages or $500.00. You may also be entitled to recover punitive damages, your court costs, and reasonable attorney’s fees.

Charges For Transfers or The Right To Make Transfers. We reserve the right to impose a fee and to change fees upon notice to you.

Disclosure of Account Information. You agree that merchant authorization messages transmitted in connection with Point of Sale transactions are permissible disclosures of account information, and you further agree to release Battle Bank, N.A. and hold it harmless from any liability arising out of the transmission of these messages.

We will disclose information to third parties about your account or electronic fund transfers made to your account:

Where necessary to complete a transfer or to investigate and resolve errors involving the transfer(s); or
In order to verify the existence and condition of your account for a third party such as a credit bureau or merchant; or
In order to comply with government agency or court orders; or
If you give us your permission in a record or writing.

Consumer Privacy. To protect the privacy of our Clients using electronic financial terminals, including any supporting equipment, structures or systems, information received by or processed through such terminals, supporting equipment, structures or systems shall be treated and used only in accordance with applicable law relating to the dissemination and disclosure of such information. The person establishing and maintaining an electronic financial terminal, including any supporting equipment, structures or systems, shall take such steps as are reasonably necessary to restrict disclosure of information to that necessary to complete the transaction and to safeguard any information received or obtained about a Client or a Client’s account from misuse by any person manning an electronic financial terminal, including any supporting equipment, structures or systems.

Amending or Terminating this Agreement. We may change or amend this agreement and those portions of the Fee Schedule included in these Terms, which relate to EFT services, at any time upon at least 30 days written notice to you prior to the effective date of the change or amendment. Your failure to timely furnish notice as set forth in the written notice shall be deemed to be your acceptance of such change or amendment. If you do not agree to abide by a change or amendment, you must notify us of the fact prior to the effective date of the change or amendment and cancel this agreement. We may cancel this agreement at any time without giving you prior notice. If either of us cancel this agreement at any time, you shall surrender any card and you may no longer use any of our EFT services other than automated clearing house transfer services.

Additional Provisions

Your account is also governed by the terms and conditions of other applicable agreements between you and Battle Bank, N.A..

Other ATM Services. We may provide reimbursements up to established limits of third-party ATM Fees. If such ATM fee reimbursements are provided to you, you are responsible for any income tax consequences. In the event that your ATM fee reimbursements plus any other miscellaneous income that we paid to you totals $600 or more in a calendar year, we will report these collectively to the Internal Revenue Service on Form 1099-MISC, in the name of the primary account holder.

Privacy Policy

FACTS	What Does Battle Bank, N.A. Do With Your Personal Information?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and income Account balances and payment history Transaction history and credit history Account balances payment history Transaction history credit history When you are no longer our customer, we continue to share your information as described in this notice.
How?	All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Battle Bank, N.A. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Battle Bank, N.A. share?	Can you limit this sharing?
For our everyday business purposes-- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes--to offer our products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes--information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes--information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share

Questions?	Call toll-free 855.922.8853 (BATTLE) or go to https://BattleBank.com/privacy or you can send an email to [email protected]

What We Do
How Does Battle Bank, N.A. Protect My Personal Information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How Does Battle Bank, N.A. Collect My Personal Information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for financing open an account deposit money pay your bills apply for financing Provide account information We also collect your personal information from other companies.
Why Can't I Limit All Sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes - information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. [See below for more on your rights under state law.]

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Battle Bank, N.A. has no affiliates.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Battle Bank, N.A. does not share with nonaffiliates so they can market to you.
Joint marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partner(s) include financial services companies.

Other Important Information
Special Notice For California Residents Accounts with a California mailing address are automatically treated as if they have limited the sharing as described on page 1. We will not share information about you, except as permitted by law. For joint marketing, we will disclose your name, contact information and information about your transactions. Additional information about Battle Bank's privacy policies can be found at BattleBank.com/privacy or by calling 855.922.8853 (BATTLE). Special Notice For Nevada Residents We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call list by calling us at 855.922.8853 (BATTLE) or you may contact us at [email protected]. Nevada requires that we provide contact information for the state's Bureau of Consumer Protection to all consumers that do business with us. The contact information for the Bureau of Consumer Protection, of the Office of the Nevada Attorney General, is provided below. Address: 555 East Washington Street, Suite 3900, Las Vegas, Nevada 89101 Phone: (702)486-3132 Email: [email protected] Website: https://www.ag.state.nv.us/org/bcp.htm Special Notice For Vermont Residents Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions. State law gives you an additional right: We will not share information about your creditworthiness with other Battle Bank affiliates except with your consent. Additional information about Battle Bank's privacy policies can be found at BattleBank.com/privacy or by calling 855.922.8853 (BATTLE).

Other Important Information

Special Notice For California Residents
Accounts with a California mailing address are automatically treated as if they have limited the sharing as described on page 1. We will not share information about you, except as permitted by law. For joint marketing, we will disclose your name, contact information and information about your transactions. Additional information about Battle Bank's privacy policies can be found at BattleBank.com/privacy or by calling 855.922.8853 (BATTLE).

Special Notice For Nevada Residents
We are providing you this notice pursuant to Nevada law. You may be placed on our internal Do Not Call list by calling us at 855.922.8853 (BATTLE) or you may contact us at [email protected]. Nevada requires that we provide contact information for the state's Bureau of Consumer Protection to all consumers that do business with us. The contact information for the Bureau of Consumer Protection, of the Office of the Nevada Attorney General, is provided below.

Address: 555 East Washington Street, Suite 3900, Las Vegas, Nevada 89101
Phone: (702)486-3132
Email: [email protected]
Website: https://www.ag.state.nv.us/org/bcp.htm

Special Notice For Vermont Residents
Accounts with a Vermont mailing address are automatically treated as if they have limited the sharing as described on page 1. For joint marketing, we will only disclose your name, contact information and information about your transactions. State law gives you an additional right: We will not share information about your creditworthiness with other Battle Bank affiliates except with your consent. Additional information about Battle Bank's privacy policies can be found at BattleBank.com/privacy or by calling 855.922.8853 (BATTLE).

Fee Schedule

General Service Fees

Fees and Charges. The following fees and charges may be assessed against your account:

Check printing fees vary by the style of check ordered.

Fee Description	Fee Amount
Account Research Fee (per hour, 1 hour minimum; Fee charged for extensive research on transaction histories. Client will be advised before research begins if fee will apply)	$50.00
Account verification letter	$0.00
ACH/EFT transaction out, with our assistance	$0.00
ATM transaction fees (Additional charges may be imposed by other financial insitutions' ATMs)*	$0.00
Copies (Checks, Statements; You can view and print checks and statements in online banking)	$0.00
Items sent for collection, Domestic (In addition to fees charged by other financial institutions)^	$20.00
Items sent for collection, Foreign (In addition to fees charged by other financial institutions)^	$55.00
Legal process fees, Garnishments and Levies	$50.00
Mastercard Debit Card International Transaction Service Fee: 3% of the amount of each transaction
Mastercard Debit Card Replacement	$0.00
Mastercard Debit Card Replacement expedited shipping or handling charges will reflect the actual costs incurred and will be billed directly to the client.
Mobile Check Deposit	$0.00
Official Check	$10.00
Official Check expedited shipping or handling charges will reflect the actual costs incurred and will be billed directly to the client.
Online Bill Pay Service - Expedited electronic bill payment	$10.00
Online Bill Pay Service - Expedited overnight bill payment	$15.00
Online Bill Pay Service, generally	$0.00
Overdraft automated transfer from linked Battle Bank account	$0.00
Paper Statements mailed (monthly)	$5.00
Returned deposited item	$0.00
Stop payment item	$25.00
Wire Foreign Currency out of Battle Bank to an international location, with a currency exchange**	$30.00
Wire Foreign Currency out of Battle Bank to an international location, without a currency exchange**	$65.00
Wire funds into Battle Bank (from an international or domestic location)**	$0.00
Wire U.S. Dollars out of Battle Bank to a domestic location**	$25.00
Wire U.S. Dollars out of Battle Bank to an international location, with or without a currency exchange**	$50.00

Australia

Brazil

Canada

China

Czech Republic

Denmark

European Union

Hong Kong

Hungary

India

Japan

Mexico

New Zealand

Norway

Poland

Singapore

South Africa

Sweden

Switzerland

United Kingdom