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Online Banking Service Agreement
A. Overview
By accessing or using any PCB Bank Online Banking service, you agree to the terms and conditions of this Agreement, which may hereinafter change at any time. This agreement is governed by and interpreted in accordance with the applicable federal laws and regulations, and by the laws of the State of California. You agree to be bound by revised terms and conditions contained in this Agreement or you can decline the changes by discontinuing Online Banking service. This Agreement explains the terms and conditions governing the access to the following services: Online Account Access, Bill Payment, Mobile Banking Access.
In additional to this Agreement, you agree to be bound by and comply with the requirements of the applicable Account Disclosure Statement, the Bank's rules and regulations, and applicable state and federal laws and regulations. The Bank may terminate this Online Banking Agreement in whole or in part, at any time without prior notice.
We are pleased to provide you the following Online Banking services:
Online Banking/Mobile Banking & Bill Payment Service
Some services mentioned above may not be available for certain accounts. Some features may not be available for Mobile Banking.
To access your accounts through PCB Bank's Online Banking Services, you must register for each individual Online Banking product with an eligible bank account(s). Access to Online Banking Services may be terminated or limited by the Bank at any time without prior notice due to reasons such as, but not limited to, account inactivity. The bank is not obligated to monitor transactions made on any Online Banking Service to determine if such transactions were authorized by you.
Access to Online and Mobile Banking is available 24 hours a day, 7 days a week, but may not be available during times of system maintenances or outages.
PCB Bank may, from time to time, offer additional Services at its sole discretion. The existence of any updated Agreement and/or new services will be notified to you. By using any of the newly added Services, you agree to be bound by the rules contained in the Agreement or any updated Agreement(s).
You agree to pay applicable service fees and charges set forth for each Online Banking Service. Other fees, as described in the applicable Account Disclosure Statement and Schedule of Fees & Charges, may apply to services ordered online such as check re-orders or stop payment requests. Applicable fees will be charged regardless of whether the Online Banking Service was used during the billing cycle. It is your duty to notify any cancellation to the Bank regarding Online Banking Services to avoid applicable fees. The fees described in this Agreement may change at any time. You authorize us to charge your account for any fees incurred by your Online Banking Services.
By initially accessing your account(s) through any PCB Bank Online Banking Service for the first time, you confirm your agreement to be bound by all the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure. You must read and hereby acknowledge that you have read all of the information contained herein prior to the use of Service. PCB Bank reserves the right to change the terms and conditions of this Agreement at any time. This Agreement will be updated on our website with any changes. You agree to be bound by revised terms and conditions contained in this Agreement or you can decline the changes by discontinuing use of PCB Bank's Online Banking Services.
All temporary passwords you receive from the Bank must be changed upon receipt by logging into the appropriate Online Banking Service the password is intended for. You agree to safeguard your access credentials and/or password to your Online Banking Services. You are responsible for all transactions and payments you authorize while using any Online Banking Service. If you allow anyone other than yourself to use your access credentials or passwords to access any Online Banking Service, you are responsible for all transactions and payments made by those users. For certain Online Banking Services, you will be required to maintain an additional level of security by the use of either a challenge question and answer, or the use of a temporary one-time passcode that may be delivered to you via email, text message to your mobile device, or a phone call with an audio recording of the passcode to your mobile phone. Do not send your password or your account information over any general or public e-mail service without encryption, and do not leave your Online Banking Service access device unattended while you are connected to any Online Banking Service. Multiple unsuccessful login attempts may revoke your login credentials in which case you must call the Bank and request your account to be reset. By using PCB Bank's Online Banking Services, you understand and agree that the security procedures set forth in this Agreement are commercially reasonable. If you believe that your login credentials or passwords to any Online Banking Service has been compromised, lost or stolen, you must notify the Bank immediately.
Online Banking and Mobile Banking sessions are encrypted using 128-bit SSL. To access Online Banking or Mobile Banking, a Secure Socket Layer (SSL) compliant web browser must be used. Our Online Banking and Mobile Banking system does not permit a non-SSL connection to be established.
Except as specifically provided in this Agreement or required by law, you agree that we shall not be responsible for any loss, damage, or injury, whether direct or indirect, caused by the Bank, or arising from our negligent act, or from installation or use of our equipment, software, or Online Banking Service. You agree that we are not liable for loss or damage resulting from the use of our Online Banking Service such as, but not limited to, a failure or delay in the processing of a fund transfer or delivery of a payment, or any virus, spyware, malware, or malfunction of your access device used to access our Online Banking Service. You agree that we are not liable for loss or damage resulting from your acts or errors including, but not limited to, incorrect data entered in our Online Banking Service such as incorrect payee information or incorrect amount. You understand that by providing information for your review with Online Banking Services, we are not making any representations or warranties regarding whether the items reflected will or will not ultimately clear against your account.
Furthermore, we will not be liable for any loss or damage in the event that our Online Banking Service fails to transmit transactions to you or fails to list all actual transactions posted on your account(s). You agree that we are not liable for loss or damage resulting from any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment or transmission or provision of the Online Banking Services.
In consideration for us providing the Service to you, you agree to defend, indemnify and hold us, and our officers, directors, agents and employees, harmless against any and all liability, actions, losses, costs, damages or expenses, including attorney's fees and expenses, which we may sustain or incur by reason of, or in consequence of providing the Services in accordance with this Agreement.
If you have questions or find any errors while using our Online Banking Services, we can be reached in the following ways:
PCB Bank
Digital Banking Department
3701 Wilshire Blvd. Ste. 900
Los Angeles, CA 90010
If you think your statement or any transaction is incorrect, we must hear from you no later than sixty (60) days after we have sent the first statement to you on which the problem or error appeared.
You must provide the following information:
The results of our investigation will be sent to you within ten (10) business days (twenty [20] Business days if the transaction occurred on a new account) after we hear from you. Any errors found will be corrected reasonably promptly. If we need more time, however, we may take up to forty-five (45) days (ninety [90] business days if the transaction occurred on a new account, point of sale transaction, or a foreign-initiated transfer) 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 if the transfer involved a new account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. Your account is considered a new account for the first 30 days after the first deposit is made, unless you have previously established an account with us.
We will send you a written explanation within three (3) business days after we finish our investigation. If we determine that there was no error, we will debit the amount of the error if we previously credited to your account. You may request copies of the documents that we used in our investigation.
Access to Online Banking Services may be terminated or limited by the Bank at any time without prior notice due to reasons such as, but not limited to, account inactivity. After termination, Services may be reactivated by reregistering for the Services.
If you wish to cancel any of your Services offered through PCB Bank, please contact your local branch or contact our Online Banking Department at 213-355-8833. You will be responsible for all outstanding transactions made through our Online Banking Services, and responsible for fees incurred before the date of your Service cancellation, including fees that may be incurred due to your Service cancellation.
PCB Bank Bill Payment Service allows you to pay your bills electronically.
The earliest possible Scheduled Payment Date or Pay Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date or Pay Date less than the earliest possible Scheduled Payment Date or Pay Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date or Pay Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date or Pay Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.
Due to circumstances beyond the control of the service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be posted to your account. The service will not bear responsibility for any late payment related charges should a payment post after its Due Date. To avoid any late payments, it is highly recommended to set the Scheduled Payment Date or Pay Date to five (5) business days before the actual due date and ten (10) business days before the actual due date in December due to the holiday season.
By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives.
When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date or Pay Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service.
The Service will use its best efforts to process all your payments properly. However, the Service shall incur no liability if your scheduled payment does not post by the scheduled payment date or due date. Here are a few things you can do to avoid delays or problems to your scheduled payments are:
We do not have any duty to monitor the bill payments you authorized through the Bill Payment Service. If you are a business and any of your authorized representatives uses your Bill Payment Account to pay bills which are not yours, you assume the entire risk of loss and you agree to defend, indemnify and hold harmless our directors, officers, employees and agents from all liability, claims, demands and judgments arising out of or connected with such use.
The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Service. The Bank has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be canceled or edited.
The Bank's ability to process a stop payment request will depend on the payment method and whether or not the check or payment has cleared. The Bank may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Customer Service. Although we will make every effort to accommodate your request, we will have no liability for failing to do so.
You may request the bank to investigate payments due to reasons such as but not limited to payments not posted and payments posted late. The charge each payment investigation request or stop payment request is $30 per request.
Payments to Payees outside of the United States or its territories are prohibited through the Service.
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:
Information provided to the Biller - The Service is unable to update or change your personal information such as, but not limited to, name, address, and phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.
Activation - Upon activation of the electronic bill feature the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.
Authorization to obtain bill data - Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.
Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.
Cancellation of electronic bill notification - The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.
Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.
Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.
This Agreement does not alter your liability or obligations that currently exist between you and your Billers.
In case of errors or questions about your bill payment transactions, you must notify us via one of the following methods as soon as possible:
PCB Bank
Digital Banking Department
3701 Wilshire Blvd.Ste.900
Los Angeles, CA 90010
If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:
We will tell you the results of our investigation within ten (10) Business Days after we hear from you, and will correct any error promptly.
However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:
ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting Customer Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.
SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
In the event you wish to cancel the Service, you may contact customer service via one of the following:
PCB Bank
Digital Banking Department
3701 Wilshire Blvd. Ste. 900 Los Angeles, CA 90010
Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.
Your Service may be suspended or terminated at any time without prior notice due to reasons such as, but not limited to, account abuse and account inactivity.
Biller Limitation
The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.
Returned Payments
In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Payment Account. You may receive notification from the Service.
DISPUTES
In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Customer Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.
Please read this Online Banking ESIGN Disclosure and Consent ("Disclosure") carefully and keep a copy for your records.
The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act ("ESIGN"). In order for you to receive Communications electronically in connection with your PCB Bank Online Banking products, you must consent to PCB Bank providing you these Communications electronically. This Disclosure covers Accounts with the following Online Banking products: Online Banking, Mobile Banking, Online Statements, Bill Payment, etc. Please Note: Consenting to receive Communications under this Disclosure will not automatically enroll you in Online Statements.
Your consent to receive electronic Communications includes but is not limited to: disclosures, terms and conditions, account statements, notices, and other documents. By registering for online banking and providing your email address, you consent to receiving and/or viewing Communications by email, PCB Bank's website, or through PCB Bank's mobile apps.
How to Update Your Records. It is your responsibility to provide us with true, accurate, and complete email address, contact, and other information related to this Disclosure and your Online Banking products and to maintain and update promptly any changes in this information. For assistance on updating your information, you can call 213-355-8833 or email support@mypcbbank.com.
Hardware/Software/System Requirements. In order to access, view, and retain electronic Communications that we make available to you, you must have the following:
A computer with internet connectivity, sufficient storage space, and a supported internet browser capable of 128-bit encryption.
A supported PDF viewer, such as the current version of Adobe® Reader® (www.adobe.com/reader) and a browser that can print PDF documents;
A valid email address including an account with an email service provider compatible with your email software;
For Online banking products using mobile apps, an Android or iOS (such as an iPhone) based mobile device that has access to the Apple App Store or the Android Play Store. The Android and iOS version must be up to date.
Requesting Paper Copies. We will not send you a paper copy of any Communication from us (except for periodic account statements, which you must specifically request to receive electronically), unless you request it or we otherwise deem it appropriate to do so. During the Online Banking product application process, you can obtain a paper copy of the electronic Communications by printing them yourself or by requesting that we mail you a paper copy. To request a paper copy, call us at 213-355-8833 or email support@mypcbbank.com. We may charge you a reasonable service charge for the delivery of paper copies of any Communications provided to you electronically pursuant to your authorization.
How to Withdraw Consent. You may withdraw your consent to receiving Communications electronically, at no charge to you, by calling 213-355-8833 or emailing support@mypcbbank.com. If you withdraw your consent, your access to PCB Bank Online Banking products may be terminated.
By checking the box on the online banking registration page, you consent to the electronic delivery of the disclosures, terms and conditions, account statements, notices, and other documents, and any future changes. You also agree that PCB Bank does not need to provide you with an additional paper copy of the disclosures, terms and conditions, account statements, notices, and other documents, and any future changes unless specifically requested.
Rev. 032024