The Citizens National Bank of Bluffton

102 S. Main St., P.O. Box 88
Bluffton, OH 45817-0088
PH: 1-800-262-4663

Online and Mobile Banking Services Agreement

This Online and Mobile Banking Services Agreement ("Agreement") contains the terms and conditions that govern the access to information, accounts, banking, bill payments, and other online and mobile services ("Services"). The terms of this Agreement are in addition to those that apply to any account or service you have with us.

As used in this Agreement, "you" or "your" refers to the person(s) using Online and Mobile Banking Services; "we", "us", "our", "Bank" or "CNB" refers to The Citizens National Bank of Bluffton.

Use of Services:

Your use of the Services confirms your agreement to be bound by the terms and conditions contained in this Agreement as well as any rules for use of the Services. It also acts as your acknowledgment of your receipt and understanding of the disclosures in this Agreement and your agreement allowing all disclosures or other information required under applicable law to be sent electronically.

If any of the accounts from which you utilize the Services is joint, each of you is jointly and severally obligated under this Agreement. Each owner will have a unique password and acting alone may perform transactions, obtain information, terminate this Agreement, allow one or more other persons to access qualifying accounts if you provide them with your account access identification number and password, or otherwise transact business, take actions or perform under this Agreement. We are not required to obtain the consent of, or notify, any other of you. Each of you individually releases us from any liability and agrees not to make any claim or bring any action against us for honoring or allowing any access, actions or transactions where the person performing the access, action or transaction is one of you or is otherwise authorized to access the account. Each of you agrees to indemnify us and hold us harmless from and against any and all liability (including but not limited to reasonable attorney fees) arising from any such claims or actions.

If you are a corporation, partnership, limited liability company, association or some other form of business entity, the company representative is responsible to ensure that access codes and passwords are provided only to persons you authorize. You represent to us that each company representative and anyone else using your access codes has general authority from your company to give us instructions to perform transactions using the Services.

Changes and Modifications:

Except as otherwise required by law, rule, or regulation, we may change the terms and conditions of this Agreement from time to time and at any time. When changes are made, we will update this Agreement at the Web site or Mobile App. Changes will be effective when first updated on the Web site or Mobile App unless law, rule, or regulation requires advance notice in which case the change will be effective in accordance with the law, rule, or regulation. Your continued use of the Services constitutes your agreement to the amendment(s).


Unless otherwise required by applicable law, we have the right to terminate this Agreement and/or your access to the Services at any time at our convenience and without cause. This Agreement shall remain in full force and effect unless and until it is terminated by CNB. Without limiting the foregoing, this Agreement may be terminated if you breach any term of this Agreement, if you use the Services for any unauthorized or illegal purposes or you use the Services in a manner inconsistent with the terms of your Agreement or any other agreement with CNB.

Eligible Accounts:

Access to the Services requires that you have at least one eligible account that is identified by your Social Security Number. That account and all other existing and future eligible accounts identified with your Social Security Number will be linked together to form your Online and Mobile banking relationship with us. Eligible accounts include each open and active CNB checking, savings, money market, certificate of deposit, or loan account.

Types of Services:

You may access your account(s) through an up-to-date device (i.e. computer, smartphone, tablet, etc.) using your access identification number and password to perform the following:

  • Obtain balance and transaction history of eligible accounts;
  • View copies of previous statements and images of canceled checks;
  • Transfer funds and make payments between eligible accounts (except certificates of deposit);
  • Pay bills from checking accounts (Bill Payment Service)
  • Complete deposit account and/or loan applications;
  • Request stop payments;
  • Order checks;
  • Use Mobile Banking and make deposits with your mobile device camera;
  • Set up account alerts;
  • Person to Person payments;
  • Make external transfers.

Note: Some Services may not be available for certain accounts or customers.


You must have enough available money or credit in any account from which you instruct us to make a transfer. All transfers must be in U.S. Dollars. We reserve the right to limit or suspend access to our Services as we deem necessary for security reasons. Federal law limits certain transfers and withdrawals from savings accounts and money market deposit accounts. You may not make more than six withdrawals and/or transfers from these accounts each calendar month by check, pre-authorized or automatic transfer, draft, debit card, data transmission, telephonic agreement or similar order. If you exceed these transfer limitations in any calendar month, your account will be subject to closure. Please see your deposit agreement for further detail.

Stopping or Changing Payments and Transfers:

You may cancel or modify a single payment or transfer up until 6:00 PM Eastern Standard time on the business day before the Scheduled Payment Date. Please use the Service's "Help" function for instructions on how to change or cancel a scheduled payment or transfer. You may also call us at 1-800-262-4663 or write to us at The Citizens National Bank of Bluffton, P.O. Box 88, Bluffton, OH 45817 or complete a stop payment form through Online Banking. If you call or write, you must do this in time for us to receive your request 3 business days or more before the payment or transfer is scheduled to be made. If you call, we may also require you to put your request in writing on paper and get it to us within 14 days after you call. Important Notice: You acknowledge that CNB has fully advised and disclosed to you that due to CNB's use of a computerized system that the sole criterion for successfully stopping payment on said items is that the exact amount of the item be reported to CNB. You hereby acknowledge that you fully and completely understand that if the amount of the item reported to CNB is off even one cent, payment on the item cannot be stopped. If you order us to stop a preauthorized recurring payment or transfer as described above, and we do not do so, we will be liable for your losses or damages.


There are no fees to inquire on your accounts and transfer funds between eligible CNB accounts. External transfer fees may apply. Refer to your Account Agreement for applicable fees.


We will provide you monthly statements for your checking accounts. At a minimum, a quarterly statement will be provided for your savings account. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statement.

Business Days:

The Services are generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. For purposes of this Agreement, business days are Monday through Friday, excluding Bank holidays. Each transfer you make on a non-business day, or after our Services cut-off time on any business day, will be considered made on the following business day. Our Online and Mobile Banking cut-off times are: Mobile Deposits - 3:00PM Eastern Standard Time; Internal Transfers - 6:00PM Eastern Standard Time; External Transfers/Bill Payment/Person to Person payments - Refer to Automated System.

Bill Payment Service:

You may select to enroll in CNB's Bill Payment services. Payment transactions initiated through the Bill Payment service will be processed according to the Bill Payment Agreement. Your use of the Bill Payment service confirms your agreement to be bound by the terms and conditions described in the Bill Pay Agreement found in Online Banking.


Your enrollment in Citizens National Bank Online Banking and/or Mobile Banking (the "Service") includes enrollment to receive transaction alerts and notifications ("Alerts"). Alerts are electronic notices from us that contain transactional information about your Citizens National Bank account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. Citizens National Bank reserves the right to terminate its alerts service at any time without prior notice to you.

  • Methods of Delivery. We may provide alerts through one or more channels ("endpoints"): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your Citizens National Bank Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.
  • Alerts via Text Message. To stop alerts via text message, text "STOP" to 96924 at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in Citizens National Bank Online Banking. For help with SMS text alerts, text "HELP" to 96924. In case of questions please contact customer service at 800-262-4663. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.
  • Limitations. Citizens National Bank provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside Citizens National Bank’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold Citizens National Bank, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.
  • Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your alerts will be able to view the contents of these messages.

External Transfers:

You may use the external transfer service to transfer funds to or from an eligible CNB account and another account held by you at another financial institution located within the United States. You represent and warrant that you have full transactional authority (i.e. the ability to initiate credits, debits, and withdrawals) on the designated external account and that the external account has no restrictions limiting such authority. Transfers may be scheduled to occur one time, for a future date, or on a specific recurring basis. You are responsible for properly transmitting your deposits and withdrawals to CNB as well as any loss caused by your failure to properly identify the external account to which a deposit or withdrawal is made or intended to be made. CNB may limit, refuse or return all or any part of a deposit or withdrawal. If an item you deposit is returned to us unpaid or is otherwise charged back to CNB, we will charge back to your account the amount of the item. You acknowledge that all transactions involving external accounts must comply with applicable law. Your use of the External Transfer service confirms your agreement to be bound by the terms and conditions described in the Bill Pay Agreement found in Online Banking.

Financial Institution's Liability for Failure to Make Transfers:

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

  • Your account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of any account;
  • If your equipment or ours is not working properly and you know or have been advised by us about the malfunction before you execute the transaction;
  • The payee mishandles or delays a payment sent by CNB;
  • You have not provided CNB with the correct names or account information for those persons or entities to whom you wish to direct payment;
  • Circumstances beyond CNB’s control (such as, but not limited to, fire, flood, interference from an outside force) prevent the proper execution of the transaction and CNB has taken reasonable precautions to avoid those circumstances.
  • There may be other exceptions stated in our agreement with you.


Protecting your privacy is important to us. We will disclose information to third parties about your account or the transfers you make only in the following situations:

  • Where it is necessary for completing transfers; or
  • In order to verify the existence and condition of your account to 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 written permission.

Liability For Unauthorized Transfers for Consumers:

You agree not to give account access to any unauthorized individuals. If you believe that someone may attempt to access your account without your consent or has transferred money without your permission, you must call us immediately at 1-800-262- 4663 or write to us at The Citizens National Bank of Bluffton, P.O. Box 88, Bluffton, OH 45817. Quickly telephoning us is the best way of reducing your possible losses.

If you believe your customer identification number and password or other access means have been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used them without your authority.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your customer identification number and password or other access means, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as

Also, if your statement shows transfers covered by this agreement that you did not make or authorize, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

If a good reason, (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If we complete a transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any account you have with us. In any case, you are fully obligated to us to provide sufficient funds for any transfers you make or authorize.

Business Accounts:

The limitations on customer liability set forth in the preceding paragraphs do not apply to accounts held by businesses. Business customers agree to review promptly all statements, notices and transaction information made available to them, and to report all unauthorized transactions and errors to us immediately. Business customers agree that we may process payment and transfer instructions which are submitted with a correct customer identification number, and agree that such instructions will be deemed effective as if made by them, even if they are not transmitted or authorized by the customer.

Errors and Questions:

Call us at 1-800-262-4663 or write to us at The Citizens National Bank of Bluffton, P.O. Box 88, Bluffton, OH 45817, as soon as you can, if you think your statement is wrong or if you need more information about a transfer or payment listed on your statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will re-credit your account (consumer accounts, only) within 10 business days 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. If we do not receive your complaint or question in writing within 10 business days, we may not re-credit your account. Under certain circumstances, the error resolution time periods are extended from "45 calendar days" to "90 calendar days". A longer period of time may apply for accounts opened within the preceding 30 days.

If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

Use of Financial Management Software:

Your account and bill payment data may be accessed using financial management (FM) software (e.g. Intuit's Quicken and Quickbooks products). Supported functionality may vary depending upon the software that you are using, and the software that we support may change from time to time. Use of FM software is intended to supplement and/or enhance use of our Services and not replace it. Access to account information through FM software must be done using an active access identification code and password or other secure method as required. You are responsible for any necessary purchase, installation, configuration, maintenance, updates and upgrades to the FM software and/or your computer. We are not responsible for any problems related to the FM software itself, your computer or your ability to connect using the FM software as described in the Agreement. We will provide you with reasonable assistance, when requested and as we are able, for the purpose of enabling your eligible deposit accounts for use with FM software that we support. We are not responsible for any problem that you may have using your FM software to connect to our Services if no known problem exists with our systems that might impede such connectivity, or if the problem is due to your software, computer or Internet service. You should verify all account data obtained and transactions executed on your accounts using FM software. Our records of transactions, instructions and communications regarding your accounts and access supersede any records stored or created on your computer equipment through the use of FM software. Your Account Agreement(s), this Agreement, and other related agreements between you and CNB govern all transactions, instructions and communications executed or transmitted between you and CNB using the FM software. You are responsible for any and all obligations to any software vendor arising from your use of that vendor's FM software. We do not guarantee or endorse the information, recommendations, products or services offered from third parties vendors for FM software. Such third parties may have different privacy and security policies than CNB. You should review the privacy and security policies of any third party before you provide personal or confidential information.





Additional Provisions Regarding Mobile Banking:

Services may be accessed by a mobile device by using a CNB mobile app downloaded to your device. Not all Services may be available when using a mobile device. Mobile carrier message and data rates may apply. Contact your mobile service provider for details regarding charges applicable to your plan with your provider.

  1. Questions:

    You can contact us at 1-800-262-4663, or send a text message with the word "HELP" to 96924. We can answer any questions you have about the program. You may also visit

  2. To stop the program:

    To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to 96924. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

  3. Use of Mobile Banking Services:

    By participating in Mobile Banking, you are agreeing to the terms and conditions presented here. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless. Mobile Banking and any software you may obtain from Mobile Banking ("Software") may not be available at any time for any reason outside of the reasonable control of CNB or any service provider.

  4. Privacy and User Information:

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

  5. Restrictions on Use:

    You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, "spam," and import/export laws and regulations, including the U.S. Export Administration Regulations.

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

  6. Use of Google Maps:

    You agree to abide by the Google terms and conditions of use found at and the Google Legal Notices found at, or other URLs as may be updated by Google.

  7. Security of Your Mobile Device and Account Information:

    You are responsible for (i) maintaining the confidentiality and security of your mobile devices, access numbers, passwords, and any other security of access information used by you to access Mobile Services, and (ii) preventing unauthorized access to or use of the information used with your mobile device. You will be responsible for all electronic communications, including image transmissions. Any communication received through the use of your mobile device will be deemed to be sent or authorized by you. You agree to immediately notify CNB if you become aware of any loss, theft or unauthorized use of your access information or mobile device.

  8. Ownership and License:

    This Agreement does not transfer to you any ownership or proprietary rights in the Mobile Services, associated content, technology, or any part thereof, and all right, title and interest in and to the Mobile Services will remain solely with CNB or its service provider.

  9. Mobile Deposit Services:

    Mobile Deposit allows you to deposit money into certain accounts with your mobile device camera. To use Mobile Deposit, you must be a CNB account holder and have agreed to the Online and Mobile Banking Services Agreement. Other agreements you have entered into with CNB, including your account agreement also apply to transactions made using Mobile Deposit.

  10. Limitations of Mobile Deposit:

    When using Mobile Deposit, you may experience technical or other difficulties. CNB is not responsible for any technical or other difficulties or any resulting damages that you may incur. Use of Mobile Deposit is subject to CNB approval. In order to be eligible to use Mobile Deposit, your account(s) must meet qualification criteria set by CNB and CNB reserves the right to change the qualifications at any time without prior notice. CNB reserves the right to change, suspend or discontinue Mobile Deposit, in whole or in part, or your use of Mobile Deposit, in whole or in part, immediately and at any time without prior notice to you.

  11. Hardware and Software:

    In order to use Mobile Deposit, you must use, at your expense, compatible hardware and software as specified by CNB from time to time. CNB is not responsible for any third party software you may need to use Mobile Deposit. Any such software is accepted by you as is and is subject to the terms and conditions of the software agreement you enter into directly with the third party software provider at time of download and installation.

  12. Fees:

    There is no fee to use Mobile Deposit; however, there may be charges associated with data usage on your phone. Check with your wireless phone carrier for more information.

  13. Types of Checks:

    You agree to scan and deposit checks according to the following terms:

    Eligible Items: You shall only scan for deposit:

    • Original checks;
    • Checks drawn on banks within the US and in US currencies;
    • Checks with your name listed as the payee;
    • Checks that are properly endorsed by you (proper endorsements includes signature/business name and "For Mobile Deposit to Citizens National Bank");
    • Checks that are not "stale-dated" (item bearing date of six months or more in the past) or "post-dated" checks (item bearing future date).

    Ineligible Items: You are prohibited from scanning for deposit:

    • Duplicate images of documents, checks or any other negotiable instrument;
    • Any item that contains evidence of alteration to the information on the check;
    • Any check previously converted to a "substitute check" as defined in Regulation CC;
    • Any item that has been re-deposited or returned such as "non-sufficient funds" or "refer to maker" or returned for any other reason;
    • Any item not in compliance with this agreement and/or prohibited by State or Federal regulations or laws.

  14. Image Quality:

    The quality of the check image shall accurately represent all of the information on the front and back of the original check. Images must also meet any standards for image quality established by ANSI, Board of Governors of the Federal Reserve, or any other regulatory agency, clearing house or association.

  15. Receipt of Items:

    CNB reserves the right to reject any item transmitted through Mobile Deposit, at CNB’s discretion, without liability to you. CNB is not responsible for items not received or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from CNB that the image has been received. Receipt of such confirmation does not mean the transmission was error free, complete or will be considered a deposit and credited to your account. CNB further reserves the right to charge back to your account at any time, any item that CNB subsequently determines was not an eligible item. You agree that CNB is not liable for any loss, costs, or fees you may incur as a result of CNB’s chargeback of an ineligible item.

  16. Funds Availability:

    Funds deposited before 3:00PM Eastern Time on a banking business day (every day except Saturdays, Sundays, and Federal holidays) are normally available for withdrawal on the first business day after the day of deposit. If you transmit an item after 3:00PM Eastern Time, or on a day CNB is not open, CNB will consider that the deposit was made on the next business day CNB is open. CNB reserves the right to place a hold on funds deposited. For more information related to funds availability, refer to CNB’s Funds Availability Policy.

  17. Destruction of Original Check:

    Once you have deposited the check successfully, you should store the check in a secure location for 10 days. After 10 days, and after you have confirmed the deposited funds have been applied to your account correctly, you must destroy the check. Shredding it is one way to destroy it. Destroying the check prevents it from being presented for deposit another time. You will be liable for checks that are presented more than once. During the time the retained check is available, you agree to promptly provide it to CNB upon request.

  18. Deposit Limits:

    CNB may establish limits on the dollar amount you may deposit per day and per item. If you attempt to initiate a deposit in excess of these limits, CNB may reject your deposit. If CNB permits you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times.

  19. Account Reconciliation:

    You agree to notify CNB of any errors (or suspected errors) related to items deposited through Mobile Deposit as soon as possible after they occur, and in no event later than 30 days after the applicable CNB account statement is sent. You can contact us by calling 1-800-262-4663. Unless you notify CNB within 30 days, such statement regarding all deposits made through Mobile Deposit shall be deemed correct, and you are prohibited from bringing a claim against CNB for such alleged error.


Updated: October 2020


Click "I Agree" If You Accept the Above Terms.
Click "I Disagree" If You Do Not Accept the Above Terms.


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