SunTrust Online Services Agreement
ONLINE SERVICES AGREEMENTUpdated October 17, 2019We suggest you carefully read this document. Please completely review the informationcontained herein; usage of any of the services described herein constitutes your agreement andconsent, allowing you to take advantage of the many benefits of online services.ContentsI.INTRODUCTION . 5a. General Terms Applicable to All Users . 5b. Agreement to Receive Electronic Communications and Consent to the Service . 6c. Account Requirements . 7d. Service Access . 8e. Geographical Constraints . 9II.ONLINE SECURITY GUARANTEE . 9a. Keeping Your Account Information Safe . 9b. Protecting Your Privacy . 9c. Your Responsibilities . 10d. Contact Us . 10III.MOBILE BANKING GUARANTEE . 10IV. BILL PAY SERVICE . 11a. Terms and Conditions of the Bill Pay Service ("terms and conditions") . 11b. Service Definitions . 11c. Bill Pay Service Guarantee. 12d. Bill Payment Scheduling . 12e. Expedited Payment . 12f. Payment Authorization and Remittance . 13g. Payment Methods . 14h. Payment Cancellation Requests . 15i. Stop Payment Requests . 15j. Prohibited Payments . 15k. Exception Payments . 151
l. Bill Delivery and Presentment . 15m. Exclusions of Warranties. 17n. Service Fees and Additional Charges . 17o. Failed or Returned Transactions. 17p. Alterations and Amendments . 18q. Biller Limitation . 18r. Returned Payments . 19s. Information Authorization . 19t. Credit Information . 19V. INTERNAL FUNDS TRANSFER . 19a. Daily Processing Deadlines . 19b. Internal Transfer Limits. 21c. Payment, Advance or Funds Transfer Authorization and Remittance . 21d. Failed or Returned Transactions. 22e. Funds Transfer/Payments Cancellation Requests . 22f. Withdrawal Transaction Limitations . 22g. Your Liability for Unauthorized Transfers . 22VI.EXTERNAL TRANSFERS . 23a. Types of Transfer Requests . 23b. Daily Processing Deadlines . 23c. External Transfers Fees . 24d. External Transfers Dollar Limits . 24e. External Transfers Authorization and Remittance . 25f. External Transfers Cancellation Requests . 26g. Withdrawal Transaction Limitations . 26h. Your Liability for Unauthorized Transfers . 26VII.SEND MONEY WITH ZELLE AND OTHER PAYMENT SERVICES . 27a. Types of Send Money Requests . 28b. Sending Payments . 29c. Receiving Payments . 31d. Requesting Payments . 32e. Service Definitions . 33f. Daily Processing Deadlines . 342
g. Fees . 34h. Zelle and Other Payments Services Dollar Limits . 35i. Payment Authorization and Payment Remittance . 35j. Payment Cancellation, Stop Payment Requests and Refused Payments for OtherPayment Services . 38k. Withdrawal Transaction Limitations . 38j. Your Liability for Unauthorized Zelle Transactions . 39k. Other Liability . 39k. Failed or Returned Transactions. 39l. Information Authorization . 40m. Disclaimer of Warranties. 41n. Consent to Emails and Automated Text Messages . 41o. Mobile Devices. 42p. Consent to Share Information. 42q. Refused Payments; Returned Payments . 43r. Wireless Operator Data . 43s. Limitation of Liability . 44t. Indemnification . 44u. Use of Our Online Banking Site and/or Mobile App . 45v. Service Providers . 45w. Prohibited Payments . 45VIII. MOBILE DEPOSIT SERVICE . 46a. Services . 46b. Acceptance of Terms . 46c. Fees . 46d. Hardware and Software . 47e. Limitations. 47f. Eligible Items . 47g. Image Quality . 48h. Endorsements and Procedures . 48i. Receipt and Crediting of Items . 48j. Availability of Funds . 49k. Geographical Constraints . 493
l. Disposal of Items . 49m. Deposit Limits . 49n. User Warranties and indemnification . 49o. Ownership and License . 50IX.ONLINE STATEMENT DELIVERY SERVICE . 50a. Service Requirements . 50b. Eligible Accounts . 51c. Online Statement Delivery . 51d. Termination Rights . 52e. Receiving Statement Photocopies . 52f. Minimizing Risks . 52X.TEXT BANKING & ALERTS SERVICE . 53a. Text Banking . 53b. Alerts Service . 55XI.DOWNLOAD SERVICES. 58a. Transmission and Storage . 58b. Additional Limitations of Liability . 59XII.PRIVACY AND SECURITY . 59a. Privacy and User Information . 59b. Password and Security Procedures . 60c. Electronic Device Software . 61d. Address of Banking Changes . 61e. Email Address . 62f. Account Information . 62XIII.OTHER GENERAL INFORMATION. 62a. Electronic Mail . 62b. Inactivity . 63c. Errors and Questions . 63d. Service Termination, Cancellation, or Suspension . 64XIV.DISPUTE RESOLUTION AND LIMITATIONS OF LIABILITIES . 64a. Severability . 65b. Mediation. 65c. Jury Trial Waiver. 654
XV. GENERAL PROVISIONS . 65a. Waiver / No Waiver . 65b. Assignment . 65c. Captions . 66d. Governing Law . 66e. Acceptable Use of the Service. 66f. This agreement Amends and Is in Addition to All Other Agreements . 67I.INTRODUCTIONThis Agreement ("Agreement") governs the use of the SunTrust Online Banking, SunTrustMobile Banking, SunTrust Tablet Banking, SunTrust Text Banking and SunTrust PC Bankingservices ("the Service") including the terms and conditions of the Bill Pay Service, the ExternalTransfer Service, the Send Money with Zelle and Other Payments Service, and the OnlineStatement Delivery Service, and is made and entered into by and between SunTrust Bank("Bank") and each person(i)who signs SunTrust's signature card for the Account, OR(ii)who is referenced on the SunTrust's records as an owner of the Account OR(iii)whose signature appears on a card, loan or credit line application, credit card, orinvestment accountEach Customer also referred to as "you" is jointly and individually liable for all transactionsinitiated through the Service, including overdrafts, even if the Customer did not participate inthe transaction that resulted in the transaction.In addition, Online Banking provides a holistic view of your relationship with SunTrust byincorporating banking, investing, trusts, financial planning and educational content. This mayinclude direct access to your SummitView, SunTrust PortfolioView and SunTrust InvestmentServices, INC. and SunTrust Advisory Services, Inc. (including BrightFolio) account(s) and relatedelectronic services. By accessing Online Banking, you are agreeing to the SunTrust OnlineServices Agreement, the additional terms and conditions of: Wealthscape, SunTrustPortfolioView, SunTrust SummitView, Future Advisor, Inc., National Financial Services, Inc.,SunTrust BrightFolio, OneSpan, Inc. and Yodlee, Inc. To read the Terms of Use for SunTrustBrightFolio click here.a.General Terms Applicable to All UsersThe terms and conditions of any deposit Account, rules and regulations, fee schedule,signature card, credit agreement, including any disclosures made pursuant to suchagreements, or authority executed by or made available to Customer and any5
subsequent amendments to any of the foregoing, are incorporated herein by reference.Credit agreements may include credit card agreements you have with SunTrust.However, if there is any conflict or inconsistency between the terms and conditionsstated in the other agreements and those of this Agreement, the terms and conditionsof this Agreement shall control to the extent of such conflict or inconsistency. The termsand conditions of this Agreement may be modified or amended by SunTrust uponwritten notice sent to you or by posting to the www.suntrust.com (the “Web Site”) andsending you a Communication (defined below) or similar written notice thereof. Yourcontinued use of the Service after such notification of change shall be understood asyour agreement to be bound by all such changes.The Electronic Funds Transfer Act governs some of the transactions permitted under thisAgreement and some terms and conditions included in the Agreement are required bythis Act.b.Agreement to Receive Electronic Communications and Consent tothe ServiceAs used in this Agreement, "Account" means your checking, savings, money market,loan, line of credit, credit card, any prepaid card account, or SunTrust InvestmentServices account you have with SunTrust Bank. "Communication" means any customeragreements, amendments, disclosures, notices, SunTrust’s responses to your claims,transaction history, privacy policies and all other information related to the Account,product or service, including but not limited to, information that we are required by lawto provide to you in writing.By using any of the Services you are agreeing to the following:1. SunTrust may provide all legal or regulatory Communications associated with theAccount or with the Service, including Communications about a change in theterms of your Accounts or the Service and privacy notices electronically. Yourconsent to receive electronic Communications does not automatically enroll youin SunTrust’s Online Statement Delivery Service, discussed more fully below. Youmust complete a separate enrollment to stop receiving paper statements.2. SunTrust may deliver the Communications to you by any of the followingmethods: (a) by posting a notice and making the information available to youthrough the Service; or (b) by sending the information to an email address youhave provided to SunTrust; or (c) to a wireless device you have designated; or (d)to the extent permissible by law, by access to a web site that SunTrust willgenerally designate in advance for such purpose; or (e) any other electronicmeans we have mutually agreed upon. Delivery of electronic Communications byany of these methods will be considered "in writing," and you intend that theelectronic Communications have the same legal effect as written and signed6
paper communications. You agree to promptly notify SunTrust of any change inyour contact information, such as your email address or mobile phone number.You can update your contact information through the Service.3. You may withdraw your consent to receive electronic Communications byupdating your preference through the Service or by contacting SunTrust at 1800-SUNTRUST.4. You may obtain paper copies of the electronic Communications by printing themwithin the Service or by calling SunTrust at 1-800-SUNTRUST.5. The minimum hardware and software requirements to access and retain theelectronic Communications are: A personal computer or other device withoperating system and telecommunications connections to the Internet capableof receiving, accessing, displaying, and either printing or storing electronicCommunications; a browser, such as the most current version of InternetExplorer, Google Chrome, Microsoft Edge, or Mozilla Firefox, with 128-bitencryption; sufficient electronic storage capacity on your computer’s hard driveor other data storage unit; and, software that enables you to view files in thePortable Document Format ("PDF").By accepting the digital version of this Agreement, you acknowledge that you are ableto electronically access and retain the Communications. If you do not agree, do notaccept.By accepting the digital version of this Agreement, you further agree that all agreementsentered into by digital means will be deemed valid, authentic, and shall have the samelegal effect as agreements entered into on paper. You will be deemed to have receivedany digital messages sent to you if such messages are sent to the latest email addressyou have provided to SunTrust or to your Secure Message inbox. Digital copies of yourOnline Delivery account statement will be considered valid “originals,” and you will notcontest the validity of the electronic copies, absent proof of altered data or tampering.This consent to the use of digital agreements and communications shall apply to allagreements and communications made in conjunction with this agreement and theService.By accepting the terms and conditions of this Agreement, you represent and warrantthat you are authorized to do so on behalf of all Owners for the Designated Accounts.c.Account RequirementsTo subscribe to the Service, you must maintain at least one Account with SunTrustwhich may include the following types of Accounts: checking account, savings account,money market account, credit card, mortgage, certificate of deposit, IndividualRetirement Account, and loan or line of credit ("Accounts"). The Service will allow you to7
access more than one Account, to view Account balance and transaction information,transfer funds among designated Accounts, pay bills from designated Accounts (notsavings Accounts), send electronic mail to SunTrust and receive electronic mail fromSunTrust.SunTrust reserves the right to refuse to open an Account or to deny Customer the abilityto access the Service, to limit access or transactions or to revoke a Customer's access toService without advance notice to Customer.d.Service AccessThe Service is accessed through an electronic or mobile device and Wifi, network ormobile connection to access banking information and services that allows you to viewAccount balance and transaction information, transfer funds among designatedAccounts, make deposits, pay bills from designated Accounts, send secure electronicmail to SunTrust and receive electronic mail from SunTrust, affect stop payments, makeaddress changes, add accounts to Internet/Service relationship, request copies of checksand statements, view statements, select statement delivery method, and reorderchecks.You may generally access certain Accounts through the mobile browser and receivecertain information through text messaging under this Service, using an electronicdevice and a network connection. You are responsible for obtaining an encryptedbrowser capable of a sufficiently high level of encryption to meet the systemsrequirements we establish from time to time. You are additionally responsible forobtaining Internet services via the Internet service provider of your choice, for any andall fees imposed by such Internet service provider and any associated communicationsservice provider charges. We are not responsible for any Internet or mobile accessservices.Note: SunTrust assumes most of your AT&T wireless data charges when you connectand use the SunTrust Mobile App. Available in the domestic U.S., Puerto Rico and theUS Virgin Islands. Some restrictions do apply and are subject to change. Not forinternational use. SunTrust may terminate this service at any time and will provide priornotification.You are responsible for maintaining the confidentiality and security of your mobile orelectronic device, access passwords, account numbers, sign on information, and anyother security or access information used by the service. You are also responsible forpreventing unauthorized access to your mobile phone.8
You understand that the Bank has implemented a security procedure for the purpose ofverifying the authenticity of the payment, transfer, and deposit instructions transmittedto Bank by you ("instructions"), and not for the purpose of detecting errors in suchinstructions. Such security procedure includes (i) a unique file identification number andtransmission password, and (ii) encryption. You agree that this procedure constitutes acommercially reasonable method of providing security against unauthorizedinstructions. You agree to be bound by any instruction issued by you and received andverified by Bank in accordance with such security procedure, and you shall indemnifyand hold Bank harmless from and against any loss suffered or liability incurred by, orarising from, the execution of instructions in good faith and in compliance with suchsecurity procedure.e.Geographical ConstraintsYou agree that you will not use the Service in locations that are prohibited under U.S.law and regulations, including laws and regulations issued by the Office of ForeignAssets Control. You further agree that you will not use the mobile deposit serviceoutside of the United States.II.ONLINE SECURITY GUARANTEESunTrust is committed to providing online clients with a secure and dependable environmentfor accessing account information. In the unlikely event that unauthorized access to yourdeposit account is established through SunTrust Online Banking, you are covered for 100% ofthe funds removed, including loss of interest, insufficient funds and overdraft charges if allconditions are met including notifying us timely. Read Your Responsibilities below for moreinformation about preventing unauthorized access to your accounts.a.Keeping Your Account Information SafeSunTrust employs advanced encryption technology to protect client information,including Secure Sockets Layering (SSL), preventing unauthorized users from accessingdata during sign on or usage of SunTrust Online Banking. Learn more about informationsecurity, as well as tips for avoiding online fraud and identity theft, by visiting our OnlineSecurity Guidelines.b.Protecting Your PrivacyKeeping your financial information secure and confidential is one of SunTrust’s mostimportant responsibilities. Read our Online Privacy Practices to learn more about howyour financial information is safeguarded.9
c.Your ResponsibilitiesYour use of SunTrust’s Online Banking confirms your agreement to and understanding ofthe terms and conditions contained herein. You are responsible for keeping your onlinepassword, account numbers, personal identification data, and other accountinformation confidential. SunTrust requires you to:Review your account statement regularly and report any unauthorized or suspiciousactivity promptly to SunTrust within 60 calendar days of the transaction first appearingon your statement.Not leave your computer unattended while using SunTrust Online Banking. Once yourbanking is completed, sign off and close your browser before leaving your computer.Never share your Online Banking User ID / Password, or other personal accountinformation (including your account number & ATM PIN). Sharing this informationconstitutes a misuse and therefore, all transactions initiated by those with whom youshared information will be considered as authorized by you, regardless of whether youintended those transactions to be made.d.Contact UsIf you notice any unauthorized activity in your account or believe your personal accountinformation has been compromised, please contact SunTrust immediately at800.227.3782.III.MOBILE BANKING GUARANTEEWe are dedicated to providing you with a safe, secure, and dependable SunTrust Mobile andTablet Banking service. You can be confident that the transactions performed using SunTrustMobile and Tablet Banking will be secure and performed correctly, provided you adhere to theterms and conditions governin
Oct 17, 2019 · include direct access to your SummitView, SunTrust PortfolioView and SunTrust Investment Services, IN. and SunTrust Advisory Services, Inc. (including rightFolio) account(s) and related electronic services. y accessing Online anking,
SunTrust SunTrust, SunTrustSunTrust SunTrust. SunTrustSunTrust SunTrust SunTrust SunTrust, SunTrust, . . Card Association. SunTrust
Statement Delivery Service, and is made and entered into by and between SunTrust Bank ("Bank") and each person (i) who signs SunTrust's signature card for the Account, OR (ii) who is referenced on the SunTrust's records as an owner of the Account OR (iii) whose signature appears on a card, loan or credit line application, credit card, or
SunTrust Jumbo Maximum Loan Amount SunTrust Jumbo Loan Amounts The SunTrust FHA Jumbo Loan Program code (F30JFX) must be used when the base loan amount meets or exceeds the loan amounts in the table below. If you have a: SunTrust Jumbo Program Code begins at: 1 Unit Property 4 53
Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020. 2009 SunTrust Banks, Inc. SunTrust, SunTrust Mortgage and Live Solid. Bank Solid. are federally registered service marks of SunTrust Banks, Inc. REV 101409 Complete short sale application received. Note: Incomplete application will delay review/approval process.
Mortgage, 7250 N. 16th Street, Ste. 100, Phoenix, AZ 85020. 2009 SunTrust Banks, Inc. SunTrust, SunTrust Mortgage and Live Solid. Bank Solid. are federally registered service marks of SunTrust Banks, Inc. REV 101409 Complete short sale application received. Note: Incomplete application will delay review/approval process.
Merger with SunTrust. On February 7, 2019, BB&T entered into an agreement and plan of merger, by and between BB&T and SunTrust Banks, pursuant to which SunTrust will merge with and into BB&T. The merger agreement has been una
SunTrust. Rewards cannot be transferred, gifted, sold, attached, pledged or bartered under any circumstance, including disability, death, upon operation of law or in connection with a domestic relations or other legal dispute. SunTrust may suspend redemption rights of Your Rewards if there is a dispute betwee
the adoption and adaptation of agile software development practices. This model was found especially useful when the project context departs significantly from the “agile sweet spot”, i.e., the ideal conditions in which agile software development practices originated from, and where they are most likely to succeed, “out of the box”. This is the case for large systems, distributed .
