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Online Banking Services Agreement
Personal Banking: See Sections I
Business Banking: See Sections I
This Online Banking Services Agreement ("Online Banking Agreement") explains the terms
and conditions governing the AccessWest® Online Banking Services offered
through Community West Bank. You should read this Online Banking Agreement and the
related information provided by the Bank prior to using the AccessWest®
Services. The first time you use AccessWest® Online Banking Services you
will be deemed to have agreed to the terms and conditions of this Online Banking Agreement.
The terms "we," "us," "our," "Bank", “Community West Bank”, and similar terms refer to
Community West Bank, N.A. The words “you”, “your”, “yours”, and similar terms mean the
account owner and anyone authorized to act on behalf of the account owner.
For Personal: Sections I and II of this Online Banking
Agreement apply to Personal Banking Services for consumers, and these portions are
identified below for you. Section III does not apply to Personal Banking Services.
For purposes of this Agreement, “Personal Banking Services” means an electronic funds
transfer using the AccessWest® Online Banking Services to transfer funds to
or from a deposit account established primarily for personal, family or household purposes,
provided the transaction is subject to the federal Electronic Funds Transfer Act and it’s
implementing Regulation E.
For Business: Sections I and III of this Online Banking
Agreement apply only to Business Banking Services for non-consumers, and these portions
are identified below for you. Section II does not apply to Business Banking Services.
“Business Banking Services” means use of the Services by any corporation, partnership,
LLC or LLP, or by a sole proprietor for any non-consumer purpose.
CHANGES IN TERMS: THIS AGREEMENT ALLOWS US TO CHANGE ITS TERMS FROM TIME TO TIME.
YOU WILL BE DEEMED TO HAVE AGREED TO THE CHANGES IF YOU USE THE SERVICES AFTER THE
EFFECTIVE DATE OF A CHANGE.
I. ONLINE BANKING FOR PERSONAL AND BUSINESS SERVICES
AccessWest® Online Banking
You can access some or all of your Community West Bank accounts through AccessWest®.
You may request that some of your accounts be linked to and accessible through the
Service. We may also automatically link your accounts as selected by us. You can
view the accounts that are linked to the Service when you use AccessWest®. If you
would like to add or subtract accounts to the Service, you can contact your local
branch. Not all Services may be available with each account, and we may at any
time limit your use of AccessWest® Services with any particular account. This
Agreement supplements other agreements that may govern your use of your accounts,
including your Deposit Account Agreement and Disclosure, Funds Availability Act
Disclosure, any applicable loan or credit agreement, and other related account
agreements, as applicable for personal and business accounts.
To access your accounts through AccessWest®, you must have an eligible account with
us and Authentication Codes. Upon initial login, you will be required to change your
password and we urge you to do so. Also, upon initial login you will be required to
enroll in the Bank’s Site Authentication method.
Community West Bank accounts accessible through AccessWest® may include:
- Checking Accounts
- Savings Accounts
- Money Market Accounts
- Certificates of Deposit
- Loan Accounts
You may be required to designate one deposit account as your primary account.
If you do not do so we may select a primary account for you.
With AccessWest®, you can access linked accounts from your home or
office using an internet-based service. You will need a computer, access to
the internet and a browser with a minimum 128-bit encryption capability.
With Personal Banking Services, you can use AccessWest® to:
- View account balances and review transaction history.
- View front and back of a paid item.
- Transfer money between one or more of your linked accounts.
- Print a statement
- Search for specific transactions by date, check number, or amount.
- Place stop payment on a check.
- Change a password and Security Data.
- Sign up for e-statements.
- Enroll in Mobile Banking
- Use Bill Payment Services
- Export history to Intuit Quicken, Quickbooks, Microsoft Money, or comma
separated file. (Bank is not responsible for accuracy of exported information
or export function, or otherwise as to information in any financial planning
software that uses this history.)
With Business Banking Services, you can use AccessWest® to do all of the above, plus:
- Generate Federal Tax Payments (requires prior enrollment with IRS) through EFTPS.
- ACH Payroll Origination (requires additional Bank approval and separate ACH origination agreement).
- ACH Origination (requires additional Bank approval and separate ACH origination agreement).
- Initiate Wire Transfers.
Obtaining Account Balance and Transaction History
You can obtain account balance and transaction history on your enrolled accounts. Account
balance and transaction history reflects activity through the close of the previous business
day. Not all balances shown are immediately available for use for all purposes. Transaction
history retention periods may be changed by us at any time.
Viewing Paid Items
You may view the front and back side of checks that have paid against an account.
(This Service may not include Paper Drafts (described below) created as part of the
Bill Payment Service.).
Transfers and Bill Payment -- General Limitations
You may transfer funds between accounts, or make Bill Payments from your accounts, up
to the available balance in your account. The number of transactions may be limited,
as described in your Deposit Account Agreement and Disclosure. For interest bearing
deposit accounts (excluding NOW accounts), you may make no more than six transfers or
withdrawals per statement cycle. They can be by check, debit card or similar instrument.
Transfers and Bill Payments using Online Banking Services are counted against the
permissible number of transactions.
Transfers and Bill Payments cannot be made from time certificates of deposit or loan
accounts. Bill Payments cannot be made from saving accounts. Aggregate Bill Payments
from your accounts may not exceed $10,000 per day.
For same day processing, we must receive your transfer requests and Bill Payment requests
before the cut-off hour. If received after our cut-off hour, or on a non-business day,
we may (but are not required to) delay processing until the next business day. Most
transfers between accounts will be processed on the business day that we receive your
We may further limit the dollar amount of transfers, Bill Payments or other transactions
to or from your accounts for security reasons. We may (but are not required to) prohibit
or disallow transfers or Bill Payments from an account that requires two or more signatures
for access or that is the subject of other access restrictions. We may also impose other
limits on transfers or Bill Payments to and from accounts (including, for example, loan
accounts) at any time and from time to time, with or without cause, at our sole discretion.
Limitations on Liability
In addition to any other limitations on liability that may be found in this Online Banking
Agreement or any other agreement between you and us, we will not be liable for a failure
to complete a transfer or Bill Payment:
- If a hold or block has been placed on deposits made to an account from which you
wish to transfer funds. You cannot transfer the portion of the funds held until the hold
or block expires.
- If the money in your account is subject to a legal process or any other encumbrance
or claim restricting the transfer.
- If there are insufficient funds in your account, or the transfer would exceed
the credit limit on any overdraft line you have with us. In those instances, we may
decline to complete the transfer.
- The system, computer or telephone was not working properly and you knew about
the breakdown when you requested the transfer.
- Circumstances beyond our control such as fire, flood, computer breakdown, computer
virus or problems with the telephone line prevent the transfer despite reasonable
precautions we have taken.
- If you have not properly followed any software manufacturer’s recommendations
or Online Banking Services instructions on how to make the transfer or initiate the
- We do not receive the transfer or Bill Payment request, or there is a delay in our
receiving the request.
- If you have not properly followed the prescribed security procedures.
Online Stop Payment Requests for Checks
The following terms and conditions apply to Online stop payment requests for checks,
excluding Paper Drafts or other Bill Payment instruments. (See below regarding Bill
Payment Services and how you can request a stop payment of Bill Payments).
- Item Description. You may request a stop payment of any unpaid check using
the Online Stop Payment Service. You must provide all of the information requested
as part of the Service, and you must provide all of it accurately and completely.
This includes, for example, the check date, its exact amount, the check number and
payee of the item. You understand that the exact amount of the check is necessary
for us to stop payment. If you give us the incorrect amount or any other incorrect
information, we will not be responsible for failing to stop payment on the check.
- Written Request. We may ask you to confirm a stop payment request in writing.
If we ask and you do not provide written confirmation, we may but are not required to
terminate your stop payment request.
- Agreement. We are not required to honor or accept your stop payment request
if it relates to a point-of-sale transaction (including electronic funds transfers)
or other transaction if following your request would cause us a loss. You agree that
we have a reasonable period of time to act upon the request. You also agree that it
is your responsibility for determining whether a check you have written from your
account has or has not been previously paid. A review of items paid using the
AccessWest® Services may be insufficient for this purpose, and you may need to use
other methods (such as calling us) to be sure that a check has not already paid.
- Duration. Your stop payment request will be effective for six months, unless
earlier terminated by you. You may renew a stop payment request for additional
six-month periods. Unless renewed, your stop payment request will be ineffective
upon its expiration and we may thereafter pay the check (even if it has previously
been returned by us).
- Indemnification. You agree to indemnify, defend and hold us harmless from all
costs, (including attorney's fees and expenses) damages, losses or claims related to
or arising from our action or inaction in refusing payments of a check when we act
or refrain from acting in accordance with your stop payment request. This includes
claims or actions by or on behalf of any joint depositor, payee, or endorsee. It
also includes our failing to stop payment of a check as a result of incorrect
information provided by you. You agree to notify us promptly upon the issuance
of any duplicate check which replaces the check subject to the stop payment request
or upon return of the original check to you.
- Fees and Charges. You agree to pay any stop payment fees or charges, as
set forth in our Schedule of Fees and Charges or in any other agreement between
you and us for the applicable account type.
We are not required to stop payment on a check that is presented for payment on the business
day a stop payment order is received. In addition, a check may be paid in spite of your
stop payment request or order if:
- The check upon which payment is to be stopped has not been completely and accurately
- The stop payment request is not received in time or manner to permit us a reasonable
opportunity to act.
- We have accepted or certified the check.
- We have paid the item for cash or any law, rule or regulation (including clearinghouse
rules) would hold us liable on the item.
- We have paid the item and no longer have a right to return the check.
- You used the check to pay an amount due to us.
- The item has been deposited or received for deposit for credit to an account of a
different depositor or borrower of ours and we have set-off or otherwise credited the
check against an amount due to us from this other customer.
Bill Payment Services
Enrollment For Business Bill Payment and Personal Bill Payment:
To enroll in the Bill Payment Services you must first login to AccessWest®
then click on the “Enroll in BillPay” icon and follow the on-screen instructions.
Using Bill Payment Services. You must provide the complete name of the payee,
the payee’s account number, the payee’s remittance information, the amount of the
payment, and the date of the payment to be made from your designated account(s).
From time to time we may receive instructions from a payee that direct us, in order
to ensure the timely processing of your payment, to send your payment to an address
other than the one that you provided us, or that direct us to make your payment
electronically rather than by check, to an account owned by the payee at another
financial institution. When we receive such payment instructions from the payee,
we may follow those instructions to help ensure that the payment is received by the
payee and promptly credited to your benefit.
You may add a new payee to the Bill Payment Service. You may add a new fixed payment
to a payee only if the Payee is on your authorized list of payees and after entering
the appropriate information. We reserve the right to refuse a payee, or to remove or
cease processing to a prior payee for any reason. If we do so, we will notify you promptly.
By using the Bill Payment Service, you agree that we can charge your designated
accounts and transfer funds using “Electronic Bill Payment” or “Paper Draft”, at
our option. Electronic Bill Payments are automated clearing house (ACH) payments
or other electronic payments and are subject to the rules of the National Automated
Clearing House (NACHA), including the rule making payment to the payee provisional
until receipt by the payee’s bank of final settlement of the credit transaction.
If final settlement is not received, you will not be deemed to have paid the payee
the amount of the bill payment.
We will not be responsible for any damages you suffer (including interest or late charges)
if you do not use the Bill Payment Services correctly, in accordance with this Agreement
and with any on-screen instructions you may receive or errors due to incomplete, incorrect,
or outdated information provided by you regarding a payee, or if you attempt to pay a payee
that is not on your authorized payee list. We are not liable for any actions or inactions
by any third parties, or any other circumstances beyond our control.
- Restrictions. You agree to the following restrictions to the Bill Payment Services:
a) The payee must be located in the United States; b) Payments may not be remitted to
tax authorities or government collection agencies (if you are a business, and are using
the Online Business Services, you may qualify for EFTPS services, described below);
c) Payments may not be remitted to broker-dealers or in connection with securities
transactions (for example, you agree not to add security companies such as Ameritrade
as a payee for securities trades) or for stock purchases or to trade taxing authorities;
d) Court directed payments are not allowed (for example, alimony, child support, or
other legal debts); and e) You may not initiate ACH payments in violation of, and
that entries originated by you must comply with, the laws of the United States, including
sanction laws administered by the Office of Foreign Asset Controls.
Scheduling Bill Payments. If the payee is to be paid by Paper Draft, you
understand and agree that Paper Drafts are mailed to the payee and the payee may
not receive the payment until 5 to 8 business days after the date the payment is
processed and debited from your account. If the payee is to be paid by Electronic
Bill Payment, you understand and agree that the payee may not receive the payment
until 3 business days after the date the payment is processed and debited from
your account. You understand and agree that we are not responsible for the timely
delivery of mail or the improper transmission of handling of payments by a third
party, such as the failure of the payee to properly post or reconcile a payment
to your account(s) with the payee.
The Bank will process variable payments on the business day you designate the bill
is to be processed, provided the payment request is received prior to our cut-off hour.
Currently, our cut-off hour for Bill Payment Services is 1:00 p.m. (Pacific Time).
Variable bill requests received after our cut-off hour or at any time on a non-business
day will be processed on the next business day, delaying the time when the payee will
receive the payment. We reserve the right to change the cut-off hour, and will try
to give you notice if it changes.
For recurring payments, if you designate a processing date of the 28th through the
31st of a month and this date falls in a short month, processing will be initiated
on the first business day of the month following that date, unless you choose how
future recurring payments that fall on a non-processing day are processed. They can
be processed on the prior business day or they can be processed on the next business
day. Likewise, if the date you have designated is not a business day, your payment
will be processed on the next business day. Otherwise, recurring payment requests
will be processed on the dates you have designated.
You agree to have available and collected funds on deposit in the accounts you
designate in amounts sufficient to pay for all Bill Payments requested, as well
as, any other payment obligations you have to us and all other charges against
the affected accounts. We reserve the right, without liability, to reject or
reverse a Bill Payment or other check or debit to an account, and in any order
and in any amount that we choose, even if the result is to reduce your
transactions to a level below the Bill Payment or other account limits. If a
hold has been placed on deposits made to an account from which you wish to
transfer funds, you cannot transfer the portion of the funds held until the
hold expires. You further agree the Bank, at its option, may charge any of your
accounts with the Bank to cover such obligations.
A Bill Payment can be changed or canceled, provided you access the Service prior
to the cut-off time on the business day the Bill Payment is going to be initiated.
If a Paper Draft has not been presented for payment within 90 days, the payment
will be cancelled and the amount of the Paper Draft will be credited back to your
account. If the Paper Draft is presented after 90 days it will be returned Payment
Stopped unless notified otherwise by you.
- Stop Payment Requests. Stopping the payment of a Paper Draft Bill Payment
is different from the cancellation of an Electronic Bill Payment. Once the Bill
Payment has been debited from your account, you CANNOT cancel or stop an Electronic
Bill Payment, since the funds will have been transferred electronically. You may
be able to stop a Paper Draft Payment after your account has been debited by
contacting us by telephone before the Paper Draft has cleared, but we do not
guarantee that you will be able to accomplish this. You will have to contact us
by telephone to determine if the Paper Draft has cleared. If the Paper Draft has
not cleared, we will process your stop-payment request as we would any other
stop-payment request you might make on a check of yours. To be effective, this
type of stop-payment request must precisely identify the name of the payee, the
payee-assigned account number, the amount and scheduled date of the payment,
together with the confirmation number assigned by the bill payment system.
It must also be received by us in sufficient time for us to process the stop-payment
request before the paper draft has cleared. We will charge you a stop-payment
fee as disclosed in our current Schedule of Miscellaneous Fees & Charges.
- Disputes. If there is a dispute between you and us, or either of us and
any other person (including any merchant, payee, financial institution or other
intended or actual recipient of any bill payment), you authorize us to obtain
information regarding you, your accounts and your bill payment obligations (or
the absence of them) from any party that was involved in the bill payment transaction
or that might otherwise assist in the resolution of the dispute or problem.
This may include financial and other information regarding you. You authorize
us to provide information regarding our experience with you to others (including
credit reporting agencies) from time to time, and you agree to provide us with
financial and other information as may be requested by Bank from time to time.
Liability. You are solely responsible for controlling the safekeeping of
and access to your Access ID and password. You are liable for all transactions
you make or that you authorize another person to make even if that person exceeds
his or her authority. If you want to terminate another person’s authority, you
must notify us and arrange to change your Password.
Except as otherwise required by law for Personal Banking Services (as described in
Section II, below), we are not liable for any special, consequential, incidental, or
punitive losses, damages, or expenses in connection with this Agreement or the Service,
even if we have knowledge of the possibility of them. We are not liable for any act,
failure to act or delay in acting if it is caused, in whole or in part, by any case
beyond our reasonable control.
You will be responsible for any Bill Payment request you make that contains an error
or is a duplicate of another Bill Payment. We are not responsible for a Bill Payment
that is not made if you did not properly follow the instructions for making a Bill
Payment. We are not liable for any failure to make a Bill Payment if you fail to
promptly notify us after you learn that you have not received credit from a payee for
a Bill Payment. We are not responsible for your acts or omissions or those of any
other person, including, without limitation, any transmission or communications facility.
Your Online Authentication Codes
Multi Authentication is a feature used in the process of validating access to
confidential information. Your Multi Authentication Codes include the User ID,
Password, Challenge Phrases, and Authentication Image.
Your Online Banking access will become inactive if you do not log in for 90 days.
It is recommended that you access Online Banking monthly to review your statements
and keep your enrollment current. If you have not accessed online banking for more
than 90 days, you will then have to enroll from the beginning, choosing a User ID,
new password, challenge phrase and authentication image.
Business Online Banking
You will be given a temporary password and User ID that will give you access to your
accounts through AccessWest®. You will be required to change your password the first
time you login. This password can be changed periodically within AccessWest® from the
Change Password button. We are entitled to act on instructions received under your
password. For security purposes, it is recommended that you memorize this online
password and do not write it down. You are responsible for keeping your password and
account data confidential.
Personal Online Banking
You will be instructed to “auto enroll” for personal online banking once you access
the Community West bank website. You will be required to choose a User ID and password
during your initial enrollment. The password can be changed periodically within
AccessWest® from the Change Password button. For security purposes, it is recommended
that you memorize this online password and do not write it down. You are responsible
for keeping your password and account data confidential.
Our Liability is Limited
Except as specifically provided in this Agreement or where the law requires a different
standard, you agree that neither the service providers nor the Bank shall be responsible
for any loss, property damage or bodily injury, whether caused by the equipment,
software, the Bank, or by Internet browser providers, or by Internet access providers
or by online service providers or by an agent or subcontractor of any of the foregoing.
Nor shall we or the service providers be responsible for any direct, indirect, special
or consequential, economic or other damages arising in any way out of the installation,
use or maintenance of the equipment, software, or Internet browser or access software
even if we have been advised of the possibility of such damages. We are not responsible
for any computer virus, phishing or related problems that may occur with your use of our
Online Banking Services. WE MAKE NO WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, IN LAW OR
IN FACT, INCLUDING BUT NOT LIMITED TO AN IMPLIED WARRANTY OF FITNESS FOR A PARTICULAR
PURPOSE OR OF MERCHANTABILITY, WITH RESPECT TO ANY COMPUTER PROGRAMS, EQUIPMENT OR
SOFTWARE MADE AVAILABLE TO YOU.
For purposes of this Agreement, our "business days" are Monday through Friday. Saturday,
Sunday and federal banking holidays are not included.
Our cut-off hour for transfers is 5 p.m. (Pacific Time) Monday through Friday.
Our cut-off hour for Bill Payment is 1 p.m. (Pacific Time) Monday through Friday.
Hours of Accessibility
You can access your Bank accounts through AccessWest® 24 hours a day, seven days a week.
However, at certain times, some or all of AccessWest® online banking features may not be
available due to system maintenance. During these times, you may use a Community West
Bank ATM or a branch to conduct your transactions. As discussed elsewhere in this Agreement,
transactions initiated through AccessWest® and received by us on a business day and prior
to our cut-off hour are processed that same day. If received by us after our cut-off hour,
or on a non-business day, the transaction will be processed the next business day.
Transactions are deemed received by us only when actually received by us, and received
in the form and format specified by the Services. We are not responsible for delays,
including delays due to heavy internet traffic, communications failures or any other
event beyond our control.
Disclosure of Account Information
You authorize the Bank and each of its affiliates to disclose to third parties, agents,
and affiliates, such as independent auditors, consultants or attorneys, information
you have provided or that we or our affiliates have obtained about your accounts and
the transfers you make:
- To comply with government agency or court orders or requests; or
- To verify the existence and condition of your account for a third party,
such as a credit bureau or merchant; or
- To any paying agency after the death or legal incapacity of a
recipient of recurring direct deposit payments; or
- Where it is necessary for completing transfers; or
- To provide services relating to your account or to offer other products
and services or if you give us your permission.
We may disclose all of the information we collect to companies that perform marketing
services on our behalf or to other financial institutions with which we have joint
marketing agreements. See Privacy statement on the website for more information
In addition to this Online Banking Agreement you agree to be bound by and will comply
with the requirements of the applicable Deposit Account Agreement and Disclosure
(including your signature card) and any change of terms notices, our rules and
regulations, and the rules and regulations of NACHA and any other funds transfer
system or clearinghouse to which we belong. If your account is a loan account,
the terms and conditions of any credit agreements you have with us continues to
apply, as supplemented by this Agreement. Any limitations on access to an account,
including a loan account, do not apply to limit your use of Bill Payments, transfers
and other access to the account using the Services; rather, we may honor your
instructions and requests received by us in accordance with this Agreement.
Termination of This Agreement
Either you or we may terminate this Online Banking Agreement at any time upon
giving notice of the termination to the other party. At our sole discretion,
including due to non-usage or inactivity by you, we reserve the right to terminate
this Online Banking Agreement and your access to any one or more Online Banking
Services, in whole or in part, at any time without prior notice to you. Upon
termination, we reserve the right to make no further payments or transfers from
your account(s), including payments or transfers you have previously authorized.
If you terminate your Online Banking Services, you authorize us to continue making
Bill Payment and transfers you have previously authorized until such time as we have
had a reasonable opportunity to act upon your termination notice. You agree that
upon termination of your Online Banking Services, either by you or by us, you will
cancel all automatic or recurring transfers you have previously authorized, and that
if you fail to do so, you are responsible for such payments. You will remain responsible
for all outstanding fees and charges incurred prior to the date of termination and
for all transactions, actions and inaction by you prior to termination. Termination
of this Agreement will not affect your obligations or our rights as they relate to
transactions initiated or processed prior to termination, and such provisions of
this Agreement as may be needed to this end shall survive termination.
The Bank may assign this Online Banking Agreement to others, including independent
contractors or other third parties. You may not assign your rights or obligations
under this Agreement.
This Online Banking Agreement will be governed by and interpreted in accordance
with all applicable federal and state laws and regulations. To the extent there
is no applicable federal law or regulation, this Online Banking Agreement will be
governed by and interpreted in accordance with the laws of the State of California.
In the event any provision of these terms is held unenforceable, it will not affect
the validity or enforceability of other provisions of this Online Banking Agreement.
The unenforceable provision will be replaced either by another enforceable provision
contained either within this Online Banking Agreement or other related Banking agreement,
or by an enforceable provision at law which most closely reflects the intention of the
Recording and Retention of Information
You agree that we may record the information and electronic messages you enter through
your use of the AccessWest® Online Banking Services. You also agree that all information
submitted by you will become the property of the Bank.
Duty to Report Error and Unauthorized Transactions.
- Periodic Statements. Your role is extremely important in the prevention of
any wrongful use of your account. You will receive a periodic statement for your
accounts as described in the Deposit Account Agreement and Disclosure. This statement
will include all transactions posted through your use of the Online Banking Services.
You must promptly examine your statement upon receipt. If you find that your records
and ours disagree, you must immediately call the AccessWest® Call Center at 1-888-831-5295.
- Duty to Report. For Business Banking Services, you must notify us of any error
or unauthorized transaction within 60 days of the date the first periodic statement
showing the error or unauthorized transactions is made available to you, and
if you fail to notify us within this time period you are precluded from asserting
the error or unauthorized transaction against us. For Personal Banking Services,
your rights as to errors or unauthorized transactions are described in Section II, below.
- Protecting Personal Information. In addition to protecting your account information,
you must take precautions to protect your personal identification information, such as your
driver's license, Social Security Number, User ID, etc. This information, by itself or
together with information on your account, may allow unauthorized access to your account(s).
It is your responsibility to protect personal information with the same level of care that
you protect your account information.
Taking Care of Your Online Authentication Codes. These Authentication Codes
must be kept confidential. They include the User ID, Password, Challenge Phrases,
and Authentication Image. For your protection we recommend that you change your
online password regularly. We recommend that you memorize these codes and do not
write them down. You are responsible for keeping your Authentication Codes, account
number and other account data confidential. YOU AUTHORIZE US TO ACCEPT INSTRUCTIONS
FROM ANYONE USING YOUR AUTHENTICATION CODES. WE HAVE NO LIABILITY FOR RESULTING DAMAGES
WHEN THE CODES HAVE BEEN USED TO ACCESS THE ONLINE BANKING SERVICE. IF YOU BELIEVE
THAT YOUR ONLINE CODES MAY HAVE BEEN LOST OR STOLEN, OR THAT SOMEONE HAS TRANSFERRED
OR MAY TRANSFER MONEY FROM YOUR ACCOUNT WITHOUT YOUR PERMISSION, YOU AGREE TO NOTIFY
THE ACCESSWEST® CALL CENTER AT 1-888-831-5295 IMMEDIATELY. We may cancel
your codes at any time if necessary to maintain the security of your accounts.
The unauthorized use of your Online Banking Services could cause you to lose all of
your money in your accounts, plus any amount available under your overdraft protection.
Your contribution is important to protect the security of your access to the Online Banking
Services. You can help prevent unauthorized access by following these security tips:
- Protect your Authentication Codes by keeping them unique and known only to you.
- Change your codes routinely. A good practice is every 90 days and the system will prompt
- Choose a password that is at least 8 characters, with a combination of letters and
numbers, and that is difficult to guess. Avoid using an easily guessed password such
as a word found in the dictionary, your name, your significant other's name, your
pet's name, or your birthday.
- Do not display your codes in a place where others can view it.
- Do not continue use of your Online Banking Services if you are not able
to authenticate the site providing the service(s). Contact the Bank immediately.
- Log off the Online system after every session by clicking on the “Log Off” (or “Logout”)
Electronic Mail (E-mail)
Sending E-mail through AccessWest® is a way to communicate with the Bank. Despite
our best efforts, messages sent by E-mail are not secure, may be intercepted by
third parties and may not be immediately received by the appropriate department
of Community West Bank. Please do not use E-mail to send us communications that
contain confidential information, that we require in writing or that need our
immediate attention. An internet record that an E-mail has been ‘sent’ or ‘received’
is not verification that the E-mail has been received by Community West Bank. You
cannot use E-mail to initiate transactions on your account(s). For banking transactions,
please use the appropriate functions within AccessWest® or call the AccessWest® Call
Center at 1-888-831-5295.
This feature provides a subset of the Bank’s electronic banking capabilities formatted
for use on cell phones or other handheld devices. The capabilities available include
Account information, Internal funds transfers, and single-entry ACH Origination to
preapproved outside accounts. Of this subset, only the specific capabilities you have
previously requested and been assigned in the electronic banking system will be available
in Mobile Banking. A separate mobile banking enrollment request must be completed by
the Customer and approved by the Bank prior to your use of the Mobile Banking features.
Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees or other terms described in this Online
Banking Agreement. When changes are made to any fees, charges, or other material terms
we will update this Online Banking Agreement. If required by law, we may send a notice
of the change to you. We may send any notice to you at the address shown on our records,
or send you an electronic mail message (E-mail). The notice will be posted or sent in
advance of the effective date, unless an immediate change is necessary to maintain the
security of the system. You may choose to accept or decline changes by continuing or
discontinuing the accounts or Services to which these changes relate. We also reserve
the option, in our business judgment, to waive, reduce or reverse charges or fees in
individual situations. Changes to fees applicable to specific accounts are also governed
by the applicable Deposit Account Agreement and Disclosure and Schedule of Fees and Charges.
From time to time, we may introduce new Online Banking Services. We shall update
this Online Banking Services Agreement to notify you of these new Services. By
using these Services when they become available, you agree to be bound by the rules
contained in this Agreement, as revised.
There are currently no monthly service fees for accessing your account(s) through
AccessWest®. Certain fees, as described in our Schedule of Fees and Charges, may
also apply to Services. You can find a description of these fees in the disclosures
that have been separately provided to you in connection with your account(s). You
may also ask for a Schedule of Fees and Charges at one of our branches. All fees
and charges are subject to change by us. Your account(s) remain subject to fees and
charges applicable to your account(s).
II. PROVISIONS APPLICABLE TO PERSONAL BANKING SERVICES
In Case of Errors or Questions about Your Electronic Transfers
(including Bill Payments).
Telephone us at 1-888-831-5295, or write us at Community West Bank, P.O. Box 249,
Goleta, CA 93116-0249, Attn: AccessWest®, as soon as you can, if you think your
statement is wrong or if you need more information about a transfer listed on the
statement. We must hear from you no later than 60 days after we sent the FIRST
statement on which the problem or error appeared.
- Tell us your name and account number (if any).
- 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.
- 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 determine whether an error occurred 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 credit your account 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 ask you to put your complaint or question in
writing and we do not receive it within 10 business days, we may not credit your account.
The above time periods may be extended to 20 business days instead of 10 business days
and to 90 calendar days instead of 45 calendar days, if the error involves a new account.
An account is considered new for the first 30 calendar days after the first deposit to
the account is made.
We will tell you the results within three business days after completing our investigation.
If we decide that there was no error, we will send you a written explanation. You may ask
for copies of the documents that we used in our investigation.
If we do not complete a transfer (including a Bill Payment) 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 proximately caused by us. However, there are some exceptions.
We will not be liable, for instance:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If the transfer would go over the credit limit on your overdraft line.
- If any electronic terminal, telecommunication device, or any part of the system
was not working properly and you knew about the breakdown when you started the transfer.
- If circumstances beyond our control (such as fire, flood, interruption in telephone
service or other communication lines), prevent the transfer, despite reasonable
precautions that we have taken.
- If a legal order directs us to prohibit withdrawals from the account.
- If your account is closed or if it has been frozen or blocked.
- If you have not properly followed the on-screen instructions for using the Services.
There may be other exceptions in our agreements with you.
Your Liability for Unauthorized Transfers.
Tell us AT ONCE if you believe your Authentication Codes or your Security Token
have been lost or stolen or you cannot authenticate the Online Banking Service.
Telephoning is the best way of keeping your possible losses down. You could
lose all the money in your accounts (plus your maximum overdraft line of credit,
if any). If you tell us within 2 business days, you can lose no more than $50
if someone used your Authentication Codes without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft
of any of your Authentication Codes or your Security Token, and we can prove we
could have stopped someone from using your Authentication Codes or Security Token
without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, 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 you 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 a hospital stay) kept you from telling us,
we will extend the time periods.
Reporting Unauthorized Transactions
If you believe one of your Authentication Codes or your Security Token has been
lost or stolen or that someone has transferred or may transfer money from your
account without your permission, call: 1-888-831-5295; or write: Community
West Bank, P.O. Box 249, Goleta, CA 93116-0249, Attn: AccessWest®.
Transaction Types and Limitations.
The type of electronic fund transfers that you may make and any limitations on
frequency and dollar amount of them are described above. See, for example,
“Using AccessWest®” and at “Transfers and Bill Payment – General Limitations.”
Your accounts remain subject to fees and charges applicable to that account.
You may ask for a Schedule of Fees and Charges at one of our branches. All
fees and charges are subject to change by us.
Periodic Statement – Savings Account
You will get a monthly account statement from us (unless there are no transactions
in a particular month. In any case you will get a statement quarterly).
- Right to stop payment. If you have told us in advance to make regular
payments out of your account, you can stop or change any of these payments.
Call us at 1-888-831-5295 or write us at P. O. Box 249, Goleta, CA 93116-0249,
Attn: AccessWest®, in time for us to receive your request 3 business
days or more before the payment is scheduled to be made. If you call us, we may
also require you to put your request in writing and get it to us within 14 days
after you call. You will be charged the current stop-payment charge for each
stop-payment order you give.
If you need to stop a bill payment, refer to Section I, Bill Payment Services,
Stop Payment Requests.
- Notice of varying amount. If these regular payments may vary in amount,
the person you are going to pay will tell you, 10 days before each payment, when
it will be made and how much it will be. (You may choose instead to get this notice
only when the payment would differ by more than a certain amount from the previous
payment, or when the amount would fall outside certain limits that you set.)
- Liability for failure to stop payment of preauthorized transfer. If you order
us to stop one of these payments 3 business days or more before the transfer is scheduled,
and we do not do so, we will be liable for your losses or damages.
We will disclose information to third parties about your account or the transfers you make:
- Where it is necessary for completing transfers, or
- In order to verify the existence and condition of your account for a third party,
such as a credit bureau or merchant, or
- In order to comply with government agency or court orders, or
- If you give us your written permission.
III. PROVISIONS APPLICABLE TO BUSINESS BANKING SERVICES
You agree to use Business Online Banking Services for business purposes and
not for personal, family or household purposes. You understand that Section
III does not apply to consumer transactions.
Your enrollment form and subsequent written change requests approved by Bank will
designate users of the System. (We do not verify the authorization of any person
as a user at the time of any transaction, however, except through the use of the
Authentication Codes. Your responsibility for unauthorized transactions is explained
in more detail below.) You assume sole responsibility for the actions of the designated
user(s) of the System, whether any particular transaction is consistent with any limitations
you have placed on the user. Authorization granted by a user to another to use a Service
(including Bill Payment, transfers from deposit and loan accounts) will be deemed to be
authorization granted by you.
You will need to designate which accounts will be utilized for Services. If you or a user
links an account that would otherwise require more than one signature for the withdrawal or
transfer of funds, you agree that we may act upon any Service instruction that is accompanied
by the Authentication Codes associated with you or a user for that account and the Service in
question. This means, for example, that we may act upon the instruction of only ONE person
even though you may have internal restrictions that otherwise impose specific limitations on
access to deposit or loan balances. As long as an instruction is accompanied by appropriate
Authentication Codes, the transaction will be deemed authorized by you.
You are responsible for controlling access to the Online Banking Services and for any limitations
placed by you on the Services that may be used by other persons. The fact that the Bank is or
may be made aware of, or could have discovered, any limitation on access to a Service does not
make the Bank obligated to enforce or attempt to enforce any limitation. You specifically
acknowledge that we do not, for example, verify whether any individual who accesses the System
is or is not an authorized user except through the Authentication Codes as a security procedure.
You are responsible for all transactions, whether or not a user is authorized, as discussed below.
You agree to establish procedures to protect the confidentiality of all information relating to
the Services, including all Authentication Codes, and will promptly notify us if you know or suspect
that information is stolen, compromised, or misused. You agree to establish and implement physical,
technical and administrative measures to prevent unauthorized use of Authentication Codes and Security
Token, including appropriate password controls, based on your assessment of the security requirements
appropriate for the Services utilized by you.
AccessWest Online Banking Services – Supplemental Agreement
This Supplemental Agreement augments the AccessWest® Business Online Banking Services Agreement.
All other terms of the AccessWest® Online Banking Services Agreement remain the same.
The words “we”, “our”, “us” and “Bank” mean Community West Bank. “You” and “your” refer to the
accountholder authorized by Bank to use AccessWest® Business Online Banking Services (Online Banking)
and anyone else authorized by that accountholder to exercise control over the accountholder’s
funds through Online Banking. “Account” or “accounts” means your accounts at Community West Bank.
Authorized Persons (Senior Administrator and Users)
You have designated a single Senior (Sr.) Administrator for this Agreement, whose name appears
in the Enrollment form, and shall be deemed to be an authorized person with full authority to request
Services, set any limitations on the Services, and authorize additional “Users” with respect to this
Agreement from time to time. You agree that any changes in the Sr. Administrator, Accounts, Services
or Service features used in connection with this Agreement must be communicated to Bank in writing and/or
in such other manner as directed by Bank, and must be agreed to by Bank. Bank will have a reasonable
time in which to review and implement any such changes. You further agree that any changes in Users
shall be the sole responsibility of you or the Sr. Administrator.
The Sr. Administrator may designate additional user levels either as Administrators, Supervisor or
Employee and place limits on the types of transactions for each account the users is granted access to.
The following are function levels for each user level:
- Administrator – Can create, change, and approve other user’s templates, and can add,
change, delete permissions for other users (Supervisor or Employee security only).
- Supervisor – Can review and approve fund transfers made by other users.
- Employee – Can create and view transactions.
For each account linked to your Online Banking profile, the Sr. Administrator can designate each
user’s access level and account setting. Access Level (also sometimes referred to as Activity Level)
means either Transactional Access, View Access or No Access.
- Transactional Access - Transactional Access (also sometimes referred to as financial access
or full access) to an account allows a user to transfer funds, make payments and perform account
maintenance, view account balances and activity on the account subject to the selected account or
general service settings.
- View Access - View Access (also sometimes referred to as inquiry access or basic access) allows
a user to only view account balances and activity subject to the selected account or general service settings.
In addition to specifying Transactional Access, View Access, or No Access for a user on specified accounts, you,
the Sr. Administrator, or, the Administrator can also specify certain other account settings, such as transaction
limitations, view statements, view check images or make transfers from or to selected accounts.
User Identification; Authorization Codes; Security Procedures and Devices
Upon approval by the Bank, Bank will assign a single Sr. Administrator User ID and Password ("User Identification").
The Sr. Administrator agrees to change the Password on the first access to Online Banking and periodically thereafter.
A recommended practice is at least every ninety (90) days The Sr. Administrator is solely responsible for establishing
Online Banking access for additional Users, and shall provide User ID’s and Passwords, and shall ensure that each
User make password changes periodically. Each User that is granted access rights to Online Banking shall be deemed
an Authorized Person. The User Identification and User Password are herein referred to collectively as the
"Authorization Codes." All Authorized Users will exercise reasonable care in securing the Authorization Codes,
and all other Online Banking documents.
The use of the Authorization Code is a security procedure established by Bank to authenticate the identity
of the person attempting to gain access to the Online Banking. The security procedure is not designed for the
detection of errors. All Authorized Users should keep your Authorization Codes in a secure location. Any person
having access to your Authorization Codes may be able to access these Services and perform all transactions,
including reviewing Account information and making Transfers to other Accounts and to other persons. You are
responsible for safeguarding all the Authorization Codes. Providing these Authorization Codes to another
person effectively constitutes a grant of authority to access company accounts.
You are responsible for keeping all passwords, including those issued by the Sr. Administrator (collectively
Passwords), and account data confidential. We are entitled to act on transaction instructions received using
the ID and Passwords, and you agree that the use of the ID and Passwords will have the same effect as your
signature authorizing the transaction. If you or the Sr. Administrator authorize other persons to use ID and
Passwords in any manner, we are entitled to act on their authorizations until you have revoked the authorization
and changed their Passwords. You are responsible for any transactions made by such persons until you notify
us that transfers by that user are no longer authorized and we have a reasonable opportunity to act upon
the change of your Password.
You or the Sr. Administrator are responsible for controlling access to Online Banking and for any limitations
placed by you or the Sr. Administrator in Online Banking. You agree to immediately to notify Bank in the event
any authorized user ceases to be an authorized user or any compromise to your system. You agree to notify Community
West Bank’s Electronic Banking Department by calling us at 1-888-831-5295 or you may write to us at:
Community West Bank
Electronic Banking Department
445 Pine Ave.
Goleta, CA 93117
Authorization and Processing Transfer Requests
You understand that each authorized user may utilize Online Banking (including inquiries and transfers)
without regard to any restrictions otherwise applicable to an account. For example, if a designated user
with the appropriate function level is given authorization to direct wire transfers from a given account,
that person can initiate a funds transfer whether or not the user has been authorized to do so according
to any Funds Transfer Agreement with the Bank. Prior to adding users to initiate payment orders, you must
contact the Bank for required documents.
You may also designate a user to initiate ACH debit and credit entries pursuant to and consistent
with the terms of a separate ACH Agreement you have with us.
If authorization is granted to allow inquiries and/or transfers of funds of your parent company,
subsidiaries or affiliates (collectively, “Companies”) you warrant that they have authorized you to
access their accounts through the Service(s) in the same manner as your own accounts and each of the
companies agree to sign an access agreement. If any of the Companies are corporations, each will be
required to provide Board Resolutions approving the authorization to allow access to their respective
Liability for Failure to Make a Transfer
If Bank does not properly complete a transfer to or from your account on time or
in the correct amount according to our agreement with you, Bank will be liable for
the amount of any losses or damages incurred by you and resulting directly from such
failure. However, there are some exceptions. Bank will not be liable in the following
Limitation of Liability for Transfers
You agree that, except as expressly stated herein, there is no warranty of
merchantability, no warranty of fitness for a particular use and no other warranty
of any kind, express or implied, regarding the information or any aspect of the
services. You further agree that Bank will not be liable for failure to properly
complete a transaction in the following instances:
- If we have received incomplete or inaccurate information from you or a
third party involving the account or transfer;
- If circumstances beyond our control (such as fire, flood, power outage,
equipment or technical failure or breakdown) prevent the transfer, despite
reasonable precautions that Bank has taken;
- If, through no fault of Bank, you do not have enough money in your account
to make the transfer;
- If there is a hold on your account, or if access to your account is blocked,
in accordance with banking policy;
- If your funds are subject to legal process or other encumbrance restricting
- If your transfer authorization terminates by operation of law;
- If you have not properly followed the scheduling instructions on how to make a
transfer included in the Online Banking Services Agreement;
- If Bank has a reasonable basis for believing that unauthorized use of your
User ID, password or account has occurred or may be occurring or if you default
under the Online Banking Services Agreement, the deposit account agreement, a
credit agreement or any other agreement with us, or if you or we terminate
Bank will not be liable for any losses resulting from circumstances over which Bank
has no direct control, including, but not limited to, the failure of electronic or
mechanical equipment or communication lines, telephone or other interconnect problems,
operator errors, logon sequences, severe weather, earthquakes, floods or other such events.
You acknowledge that there are alternative methods for accessing the information and
conducting the transactions provided by the Online Banking Services, such as payment by
hand written check. In the event you should experience problems in accessing the Online
Banking Services, you will attempt to access such information and conduct such
transactions by such alternative methods.
There may be other exceptions stated in this agreement and in other agreements with you.
In no event shall Bank be liable for damages in excess of your actual loss due to our failure
to complete a transfer and we will not be liable for any indirect, incidental or consequential
damages. If any of the circumstances occur, Bank will assist you with reasonable efforts in
taking appropriate corrective action to reprocess the transfers that may not have been
completed or to correct incorrect transfers that have been processed.
In Case of Errors
You agree to notify Bank promptly (i) of any discrepancy between your records and the
periodic account statements furnished by Bank to you, or (ii) if a transfer purportedly
made on your behalf or charged to your account was not authorized by you.
If you fail to notify Bank within 30 days after you received notice of an unauthorized
or erroneous transfer, Bank will not owe you any interest on the amount in question
even if Bank is otherwise liable to you in connection with the transfer or other
communication or is obligated to credit you for the amount of the transfer or any
portion thereof, nor will Bank be liable for any other losses resulting from your
failure to give such notice with respect to a transfer shown on such periodic statement.
If you fail to notify Bank of any such discrepancy within one (1) year, you shall
be precluded from asserting such discrepancy against Bank.
Unless otherwise required by applicable law, Bank may terminate this Agreement
and/or your access to the Business Online Banking Services, in whole or in part,
at any time. Access to Business Online Banking Services may be reinstated by us,
at our discretion, at any time. If reinstated, then the current terms of this
Agreement will apply. You may request reinstatement of Business Online Banking
Services by calling Community West Bank’s Electronic Banking Department by
calling us at 1-888-831-5295 or you may write to us at:
Community West Bank
Electronic Banking Department
445 Pine Ave.
Goleta, CA 93117
If you do not access your Linked Accounts for any three (3) month period,
we may terminate your service.
You are Responsible for all Services Conducted with Authentication
You assume all risks associated with disclosure or discovery of any Authentication
Code by others. The Bank is not responsible for verifying whether a transfer or other
request or other communication is originated by you or authorized by you other than through
the security procedures of the System.
You authorize us to act on all communications received after the System has been
accessed using your Authentication Codes. The authenticity of any transfer or other
communication purporting to be from you will be verified by us using these Authentication
Codes as a security procedure. Any transfer or other communication received by us through
the Services and purporting to be from you will be deemed authorized by you and will be
binding on you if it includes your Authentication Codes or is otherwise processed by us
in accordance with these security procedures. If we used the security procedure(s) to verify
the authenticity of a transfer or other communication received by us in your name, then
we will be entitled to rely on it and you will be obligated and bound by it even if in
fact the transfer or other communication was not authorized by you.
If a transfer or other communication was in fact authorized by you, then it will be
binding on you even if we did not verify its authenticity using the security procedures
of the Services.
You Must Determine Whether the Security Procedures are Adequate
to Prevent Unauthorized Transactions.
You agree to review all security procedures available to it in connection with the
AccessWestsm Online Business Banking Services. You will determine if they are a
commercially reasonable means of verifying the authenticity of transfers and communications
from you. You will at a minimum consider the size, type and frequency of your transfers
and alternative security procedures of which you are aware. After this review, you will
notify us if your use of the Services would necessitate or be better served by authentication
procedures that exceed the Authentication Codes and authentication procedures offered by
the Online Banking Services. If you fail to notify us, you acknowledge and agree that
the security procedures of the System are appropriate for your needs and will provide you
with a commercially reasonable degree of security against unauthorized transactions.
Each time you use the Services, you warrant that the security procedures are a
commercially reasonable procedure for preventing unauthorized transfers (based
at a minimum on the normal size, type, and frequency of your transactions).
Some of our Services may allow you or a designated user to set transaction
limitations and establish internal controls. Your failure to set such limitations
and implement such controls increases your exposure to unauthorized transactions.
We will not be required (by means of any security procedure or otherwise) to detect
errors in the transmission or content of any communication we receive from you or
from third parties. The security procedures are not designed to and will not serve
to prevent error by you or others. We are not responsible for any failure in the
accuracy, timeliness or completeness of any information you or others provide to us.
Limitation of Bank's Liability
If we fail or delay in making a payment (for example, a loan payment) or transfer
pursuant to your instructions, or if we make a payment or transfer in an erroneous
amount which is less than the amount per your instructions, unless otherwise required
by law our liability shall be limited to interest on the amount which we failed to
timely transfer, calculated from the date on which the payment or transfer was to be
made until the date it was actually made or you canceled the instructions. We may pay
such interest either to you or the intended recipient of the payment or transfer, but
in no event will we be liable to both parties, and our payment to either party will
fully discharge any obligation to the other. If we make a payment or transfer in an
erroneous amount which exceeds the amount per your instructions, or if we permit an
unauthorized payment or transfer after we have had a reasonable time to act on a notice
from you of possible unauthorized use as described above, unless otherwise required
by law our liability will be limited to a refund of the amount erroneously transferred,
plus interest thereon from the date of the payment or transfer to the date of the refund,
but in no event to exceed 60 days' interest. If we become liable to you for interest
compensation under this Agreement or applicable law, such interest shall be calculated
based on the average federal funds rate at the Federal Reserve Bank in the district
where the Bank is headquartered for each day interest is due, computed on the basis of
a 360-day year. UNLESS OTHERWISE REQUIRED BY LAW, IN NO EVENT WILL THE BANK BE LIABLE
TO YOU FOR SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION,
LOST PROFITS OR ATTORNEYS' FEES, EVEN IF WE ARE ADVISED IN ADVANCE OF THE POSSIBILITY
OF SUCH DAMAGES.
Federal Tax Payment Service – EFTPS.
If you are approved for Federal Tax Payment Service (EFTPS), the following
terms and conditions apply.
You warrant that you have enrolled in the Electronic Federal Tax Payment System
(EFTPS) on IRS Form 9779, EFTPS Business Enrollment Form, or any successor document.
You warrant that you have selected the ACH Credit option, and that all special
requirements of the EFTPS system are met, including the generation of prenotification
entries before the first tax payment is sent. You further warrant that you will
complete the CCD format with a TXP addenda record, as required.
Federal Tax Payments are processed through the ACH as ACH credit entries, and are
subject to the provisions of this Agreement that apply to ACH transactions. You
agree to use the Federal Tax Payment Services for the sole purpose of making federal
tax payments. You may not use the Tax Payment Service for any other purpose.
AccessWest® Online Banking Services Agreement Rev