PRIORITY FIRST FEDERAL CREDIT UNION
ONLINE AND MOBILE TERMS AND CONDITIONS

Priority First Federal Credit Union Online Banking, Mobile Banking and Remote Deposit Services is provided to you by Priority First Federal Credit Union. (Collectively “Priority First FCU,” “we” and “us”). “You,” “your,” “their,” “I” and “my” refers to each person who uses the Priority First FCU Mobile Application. By selecting the check box entitled “I have read, and I understand and agree to the Priority First FCU Online and Mobile Terms and Conditions, you agree to all terms, conditions and notices contained or referenced in the Terms and Conditions and you are providing your express consent.

Online Banking

This agreement explains the terms and conditions for using our Online Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Priority First FCU is also governed by the applicable Account Disclosure Agreement and Truth In Savings disclosure you received when you opened your account.

Access Your Accounts

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection, it is recommended that you change your Online Banking access password regularly. It is recommended that you memorize this password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Priority First FCU at once. Priority First FCU reserves the right to limit access or cancel online access at any time.

Fees

Priority First Federal Credit Union assesses no fees for use of the Online Banking Service, however, you may incur fees due to your use of this service if it causes your account to be overdrawn. All other fees in your original membership agreement also apply.

Available Services and Limitations

You may perform the following functions through the Online Banking Service:

• Transfers: You may transfer funds from your Share (Savings) and Share Draft (Checking) to other related accounts including loans and Christmas clubs.
• Account Balances: You may view your account balance for each account at the Credit Union. There may be drafts written against your account, or other electronic items such as debit card transactions that have not yet been presented to the Credit Union for payment.
• Access Bill Pay to initiate payments.
• Transaction History: Members may view the transaction history for every account that you are on. History will go back 90 days from the current date.
• Password Changes: You may change your password at any time from within the Online Banking section, under settings. For your protection we recommend that you change your Online Banking password regularly.
• Check Search: You may search for drafts that have cleared your account. You may also list clearings by date cleared or by check number. The oldest check available will be 90 days from the current date.
• Downloading Financial Information: You may download your financial information from the Online Banking program into several financial software programs.
• Additional Services: From time to time, we will announce additional services, which are available through our Online Banking Service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

Operating Systems and Security

The Online Banking site is designed to operate using the World Wide Web technologies and protocols, which are adaptable to a wide range of systems. The Online Banking section uses SSL encryption and requires a browser with the ability to use SSL encrypted connections. Some older browsers may not be able to connect to the site without first updating the browser. Our server uses 128-bit domestic encryption and 40-bit international encryption, depending on the user's browser.

We use cookies to help us administer the Online Banking section. Some browsers allow you to reject cookies from servers. If cookies are disabled, you must enable at least per session cookies or you will not be able to log in. The cookie we set contains information we need for security, and allows us to 'time out' your authority to view information. A cookie cannot be used to extract data from your PC. We do not store your Access Code, User Id or Password in your cookie.

The cookie we set will 'time out' your access authority to our Online Banking Service. Until it times out, you can come back to our Online Banking without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents, even if your viewing authority has expired. For this reason, the only way to keep others from viewing your account balance is to logout from the Online Banking Service. An idle connection will time out and automatically log you out. Time out is set for 7 minutes.

Privacy

Our Online Banking database is a private system operated for the exclusive use of our members. We use SSL encryption to insure the privacy of your information when sending data between the Credit Union's Online Banking server and your PC. The server logs all Online Banking authenticated logins. We use this information for internal review and product evaluations only. We never sell, transfer or trade this information unless we are compelled to do so by law. We may gather and store additional information available to us including, but not limited to, failed login attempts and other activity we consider a threat to the Online Banking system.

Liability for Unauthorized Transfers

Contact Priority First FCU IMMEDIATELY if you believe your password has been lost or stolen and immediately change your password from within the Online Banking section. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. All transactions generated by you through the Credit Union's Online Banking Service and any Online Banking fees will appear on your monthly or quarterly statement. If your statement shows payments and/or transfers that you did not make, notify us IMMEDIATELY. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us immediately:

Priority First Federal Credit Union
364 Midway Drive,
DuBois, PA 15801
(814)371-4817

Priority First FCU’s Liability

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken. We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the Online Banking Service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.

Errors and Questions

In case of errors or questions about your electronic transfers, telephone us at (814)371-4817 or (800)368-0739 or write us at the address below as soon as you can. We must hear from you no later than sixty (60) days after your learn of the error. You will need to tell us:

• Your name and account number;
• Why you believe there is an error and the dollar amount involved;
• Approximately when the error took place.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. 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 during the investigation. If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If you need more information about our error resolution procedures, call us at the telephone number shown below.

Priority First Federal Credit Union
364 Midway Drive,
DuBois, PA 15801
(814)371-4817

Mobile Banking

Priority First FCU Mobile Application refers generally to any service allowing an existing Priority First FCU member to access and view their accounts from a Mobile Device. Undefined terms herein shall have the meaning assigned to them in the Membership Disclosures. These Terms and Conditions supplement the Membership Disclosures. In addition to other functions, the Priority First FCU Mobile Application allows you to view balances, transfer funds, deposit funds and track recent account activity for your accounts from your Mobile Device.

You agree to take every precaution to ensure the safety, security and integrity of your accounts and transactions when using the Priority First FCU Mobile Application. You agree not to leave your Mobile Device unattended while logged into the Priority First FCU Mobile Application and to log off immediately at the completion of each access by you. You agree not to provide your password or other access information to any other person. If you do, we will not be liable for any damage resulting to you. If you believe that someone may have unauthorized access to your Priority First FCU Mobile Application, you agree to cancel your access to the Priority First FCU Mobile Application associated with the Mobile Device immediately. You agree to provide us with immediate notice in the event you suspect fraud or any unauthorized access to any of your accounts.

Priority First FCU may at any time request the following from you in relation to your use of the Priority First FCU Mobile Application: electronic banking credentials, such as security questions and answers; implementation of features added to enhance and assist in keeping device content safe; or to contact authorities when suspicious account activity or member security-related events occur. Access to and use of the Priority First FCU Mobile Application is subject to all applicable federal, state and local laws and regulations. Unauthorized use of the Priority First FCU Mobile Application or unauthorized access to information via the Priority First FCU Mobile Application Service is strictly prohibited and may result in termination of your access and use of the Priority First FCU Mobile Application.

Except as otherwise required by law, Priority First FCU may in its sole discretion change these terms and modify or cancel the Priority First FCU Mobile Application Service, or the features we offer, at any time, without notice. Priority First FCU may terminate or suspend all or any part of the Priority First FCU Mobile Application at any time, in our discretion, without notice to you and without liability to you. Priority First FCU reserves the right to refuse any transaction for any reason. The balance of your accounts may change at any time as Priority First FCU processes items and fees against your accounts.

Because the Priority First FCU Mobile Application is accessible only through your cell phone or handheld device (Mobile Device), your access to Priority First FCU’s Mobile Banking may be limited by the service provided by your telecommunications carrier. There may be technical or other difficulties related to the Priority First FCU Mobile Application. These difficulties may result in loss of data, personalized settings or other interruptions. Neither Priority First FCU nor its service providers assume any responsibility for the timeliness, deletion, or misdelivery of any user data, failure to store user data, communications or personalized settings in connection with your use of the Priority First FCU Mobile Application; nor for the delivery or the accuracy of any information requested or provided through the Priority First FCU Mobile Application.

Exclusion of Warranties; Limitation of Liability; Indemnification

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THE PRIORITY FIRST FCU MOBILE APPLICATION IS AT YOUR SOLE RISK. THE PRIORITY FIRST FCU MOBILE APPLICATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. ANY MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE PRIORITY FIRST FCU MOBILE APPLICATION IS OBTAINED AT YOUR OWN DISCRETION AND RISK, AND PRIORITY FIRST FCU IS NOT RESPONSIBLE FOR ANY DAMAGE TO YOUR MOBILE DEVICE OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF ANY SUCH MATERIAL, WHETHER DUE TO ANY COMPUTER VIRUS OR OTHERWISE. PRIORITY FIRST FCU MAKES NO REPRESENTATION OR WARRANTY AS TO THE COMPLETENESS, ACCURACY, RELIABILITY OR CURRENCY OF ANY INFORMATION OR DATA THAT YOU OBTAIN THROUGH THE USE OF THE PRIORITY FIRST FCU MOBILE APPLICATION.

Mobile Application Features

If you are a Priority First FCU member, you can download the Priority First Federal Credit Union application from your Mobile Device’s app store. The Priority First FCU Mobile Application includes functions to view your accounts, deposit funds and transfer money. From time to time, Priority First FCU may develop additional services. As such services are developed, you will have the opportunity to add them to your Priority First FCU Mobile Application, provided you have compatible wireless hardware and software and meet eligibility criteria for the services as defined by Priority First FCU.

Relationship to Other Agreements

You agree that when you use Mobile Banking Services, you will remain subject to the terms and conditions of all existing agreements with Priority First FCU. You acknowledge that certain message and data rates may apply from your wireless service providers and/or wireless carriers which might impact your use of Mobile Banking. For example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with Mobile Banking, including downloading the software, receiving or sending Mobile Banking text messages, or other use of your Mobile Device when using the software or other products and services provided by Mobile Banking. You expressly agree that you are responsible for all such fees, limitations and restrictions and that we may contact you via your Mobile Device for any purpose concerning your accounts at Priority First FCU, including account servicing and collection purposes.

Account Ownership/Accurate Information

You represent that you are the legal owner of the account and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of operating Mobile Banking Services. You agree not to misrepresent your identity or your account information. ALWAYS log out after you’re done using Mobile Banking. Do not use a device that has been altered in order to circumvent the limitations imposed by wireless carriers and manufacturers to conduct Mobile Banking, commonly referred to as a “jailbroken” or “rooted” device to conduct Mobile Banking.

Measures to Maintain My Privacy and Security

Your information is only sent through secure channels. Priority First FCU Mobile Application does not store any personal information such as email, phone number or address. None of your financial information is saved in your phone, unless you save it somewhere yourself.

Privacy Policy

Priority First FCU’s Privacy Policy explains how we use information, how we keep information private, what systems this affects and in what circumstances information may be shared. Priority First FCU’s Privacy Policy may be found at priorityfirstfcu.org/privacy. First and foremost we do not gather, collect or maintain any information about you that can identify you as an individual except for such services where you make such information available. These services include our Online Banking, Mobile Banking, various account applications and service requests. We gather only information that is necessary to process your request and we maintain the information in the strictest of confidence.

REMOTE DEPOSIT

Remote Deposit Service enables you to use the Priority First FCU Mobile Application and Mobile Devices approved by us to (i) create electronic images of the front and back of qualifying deposit items and (ii) transmit those images and other information, including, without limitation, information captured from the magnetic ink character recognition (“MICR”) line, to us for review and processing. “Electronic Item” means the electronic image of each Paper Item and other information captured from the Paper Item. You shall use hardware approved by Priority First FCU for the Service to create electronic images of checks and other Paper Items that you wish to deposit to your Account by means of the Service, and to transmit your Electronic Items to us. A “Paper Item” is an item that is in paper form. An “Item” includes a check, money order, cashier’s check or traveler’s check. You will use the Service only for Paper Items that are payable to, and endorsed by you. After we receive your transmission, we will review each Electronic Item. For each Electronic Item that we determine is eligible for processing as described below, we will:

• Create a substitute check that we will present directly or indirectly to the bank (a) on which the original Paper Item to which the Electronic Item relates is drawn, or (b) at or through which the Paper Item is payable (each, the “Paying Bank”);
• Include the Electronic Item in an electronic file for presentment directly or indirectly to the Paying Bank; or
• Present or post any Electronic Item for which we are the Paying Bank.

User Statement

I am authorized by Priority First FCU to remotely deposit valid paper checks I receive to my account by electronically transmitting a digital image of the paper checks to Priority First FCU for deposit. My use of the Services constitutes my acceptance of the terms and conditions of this Disclosure and Agreement. Upon receipt of the digital image, Priority First FCU will review the image for acceptability. I understand that, in the event I receive a notification from Priority First FCU confirming receipt of an image, such notification does not mean that the image contains no errors or that Priority First FCU is responsible for any information I transmit, or that the check is valid. Priority First FCU is not responsible for any image that we do not receive or for invalid checks. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, Priority First FCU reserves the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your account. I understand that any amount credited to my account for items deposited using the services is a provisional credit only and I agree to indemnify us against any loss we suffer because of our acceptance of the remotely deposited check.

In addition I agree that I will not (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, (ii) copy or reproduce all or any part of the technology or Service; or (iii) interfere, or attempt to interfere, with the technology or Service.

Compliance with Law

I agree to use the products and service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of my business if applicable. I warrant that I will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. I promise to indemnify and hold Priority First FCU harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof. This indemnity will survive termination of my account and of this Agreement.

Check Requirements

Any image of a check that I transmit to Priority First FCU must accurately and legibly provide all of the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will properly endorse the back of the original check as required. All checks must be endorsed:

“For Mobile Deposit Only PFFCU” and include the payee’s signature.

The image of the check transmitted to us must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the Paying Bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve and any other regulatory agency, clearing house or association.

Rejection of Deposit

Priority First FCU is not liable for any service or late charges levied due to rejection of any item. In all cases, I am responsible for any loss or overdraft amounts plus any applicable fees to your account due to an item being returned. I understand and agree that I cannot exceed the limitations on frequency and dollar amounts of Remote Deposits that are set forth by Priority First FCU. Applicable Remote Deposit limits are:

• Maximum single check deposit amount = $5,000;
• Maximum monthly aggregate Remote Deposits = $20,000;
• Maximum number of daily Remote Deposit items = 6;
• Maximum number of monthly Remote Deposit items = 30.

Items Returned Unpaid

With respect to any item that I transmit to Priority First FCU for Remote Deposit that is credited to my account, in the event such item is dishonored, I authorize Priority First FCU to debit the amount of such item from my account and assess the returned item fee disclosed in the Rate and Fee Schedule.

E-mail Address

I agree to notify Priority First FCU immediately if I change my e-mail address, as this is the e-mail address where Priority First FCU will send me notification of rejected Remote Deposit items. I understand that my failure to notify the Credit Union in a timely manner of any change to my e-mail address could cause additional costs such as fees to be incurred, and I agree that such costs would be my responsibility.

Unavailability of Services

I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the services are unavailable, I acknowledge that I can deposit an original check at your branches or through an ATM, or by mailing the original check to you. It is my sole responsibility to verify that items deposited using the services have been received and accepted for deposit by Priority First FCU. However, Priority First FCU will provide e-mail notification of items that are rejected by the next business day following rejection.

Cut-Off Time and Credit to Your Account

Deposits received prior to 3:00 p.m. Eastern Time on a business day the Credit Union is open will be credited to my account on the same business day. Deposits received after 3:00 p.m. Eastern Time or any day the Credit Union is not open, including holidays, will be credited the next business day.

Funds Availability

The total amount posted during each Deposit Session will be credited to the selected account after each deposit image is verified and approved by Priority First FCU. Priority First FCU’s policy is to make the funds from an image of an item you submit through the service available to you the next business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the next business day, we will notify you by email after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

Funds I deposit by check may be delayed for a longer period under the following circumstances:

• Priority First FCU believes a check I deposit will not be paid;
• I deposit checks totaling more than $5,000 on any one day;
• I redeposit a check that has been returned unpaid;
• I have overdrawn my account repeatedly in the last six months;
• There is an emergency, such as a failure of communication or computer equipment; and/or
• I deposit a check(s) into a new account during the first 30 days.

I understand and agree that funds from Items deposited under the Mobile Remote Deposit Service are not subject to Federal Reserve Board Regulation CC (availability of funds). Items submitted through the Remote Deposit Service are not subject to the Funds Availability Policy applicable to the Account.

Accountholder’s Warranties

I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

• Each image of a check transmitted to you is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
• The amount, the payee, signature(s), date and endorsement(s) on the original check are legible, genuine and accurate.
• I will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.
• Other than the digital image of an original check that I remotely deposit through your services, there are no other duplicate images of the original check.
• I have instituted procedures to ensure that each original check was authorized by the drawer in the amount stated on the original check and to the payee stated on the original check.
• I am authorized to enforce each item transmitted or am authorized to obtain payment of each item on behalf of a person entitled to enforce such transmitted item.
• The information I provided remains true and correct and, in the event any such information changes, I will immediately notify you of the change.
• I have not knowingly failed to communicate any material information to you.
• I have possession of each original check deposited using the services and no party will submit the original check for payment.
• Files and images transmitted to you will contain no viruses or any other disabling features that may have an adverse impact on your network, data or related systems.

Storage of Original Checks

I must securely store each original check. 30 business days after a check has been successfully deposited into my account and the transaction has appeared in my transaction history, I agree to destroy the original check. I understand and agree that I am responsible for any loss caused by my failure to secure and destroy the original check.

Securing Images on Mobile Devices

When using Remote Deposit, I understand that check images captured using my Mobile Device are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my Mobile Device remains securely in my possession until the deposit has been completed or to delete all associated images from the application.

Warranties

I UNDERSTAND THAT PRIORITY FIRST FCU DOES NOT MAKE ANY WARRANTIES ON EQUIPMENT, HARDWARE, SOFTWARE OR INTERNET PROVIDER SERVICE, OR ANY PART OF THEM, EXPRESSED OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ARE NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE INTERNET PROVIDER, ANY RELATED SOFTWARE, OR YOUR USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE OR MAINTENANCE OF MY PERSONAL COMPUTER HARDWARE, SOFTWARE OR OTHER EQUIPMENT.

Fees and Change in Terms

Priority First FCU may impose fees and charges for your use of this service. Such fees are shown on Priority First FCU’s Fee Schedule. Priority First FCU may change the terms and charges for the services indicated in this Disclosure and Agreement by providing notifying of such change in writing and may amend, modify, add to or delete from this Disclosure and Agreement from time to time. My use of the services after receipt of notification of any change by you constitutes my acceptance of any such change.

Periodic Statement

Any Remote Deposits made through the services will be reflected on my monthly account statement. I understand and agree that I am required to notify you of any error relating to images transmitted using the services no later than 60 days after I receive the first monthly periodic statement that includes any transaction I allege is erroneous. I am responsible for any errors that I fail to bring to your attention within such time period.

Unacceptable Deposits:

I understand and agree that I am not permitted to deposit the following items using the Services:

• Priority First FCU Check Drawn on the Same Priority First FCU Account – The deposit of a check that is drawn from and deposited to the same accountholder’s account at Priority First FCU is PROHIBITED. Deposits of this nature may result in the immediate revocation of services.
• Non-Negotiable Items – The deposit of any item stamped with a “non-negotiable” watermark is PROHIBITED. Deposits of this nature may result in the immediate revocation of services.
• Altered Checks – An altered check is any check that contains evidence of a change (correction fluid, crossed out amounts, etc.) to information on the face of the check. Members with altered checks MUST get a replacement check from the maker before Priority First FCU will accept the deposit.
• Foreign Checks – A foreign check is any check that is issued to you by a financial institution in another country (Canada, France, etc.). Foreign checks may ONLY be deposited in person or by mail. Foreign checks are sent for collection causing a delay in the posting of the item.
• Savings Bonds – Savings bonds are not accepted through Remote Deposit.
• Incomplete Items – An incomplete item is any item that does not contain signatures of the maker, endorsement signatures or is missing any of the information required during key-entry in a Deposit Session.
• Stale-Dated Checks – Certain checks contain instructions such as “Void 90 days after issue date” or “Must be cashed within six months of issue date.” Members with stale-dated checks MUST get a replacement check from the maker before Priority First FCU will accept the deposit.
• Priority First FCU Check Drawn on Personal Account (Business Accounts Only) – The deposit of a personal check that is drawn on the accountholder’s personal checking at Priority First FCU is PROHIBITED. Deposits of this nature may result in the immediate revocation of services.
• Third Party Checks – The deposit of a check that is made payable to a person who is not listed as an accountholder may result in the immediate revocation of services.
• Substitute Checks (IRD) – Substitute checks that are created as a reproduction of a digital image of an original check are not accepted through Remote Deposit.
• Cash – The deposit of cash is PROHIBITED. Deposits of this nature may result in the immediate revocation of services.

Termination of the Services

I may, by written request, terminate the services provided for in this Disclosure and Agreement. Priority First FCU may terminate my use of the services at any time upon notice. In the event of termination of the services, I will remain liable for all transactions performed on my account.

Priority First FCU reserves the right to reduce deposit limits, temporarily or permanently discontinue the services, or suspend account access by me at any time due to a change in business conditions or my failure to abide by the applicable terms of the ONLINE AND MOBILE TERMS AND CONDITIONS, or any other applicable Priority First FCU agreements and/or disclosures.