Please read and accept the Community Bank of Bergen County, NJ Online Banking Terms and Conditions Agreement to continue to the Community Bank of Bergen County Online Banking Enrollment Form.
Effective March 15, 2016
The Community Bank of Bergen County Online Banking Service is available to all our customers at no monthly charge for account information and transfer services. The bill payment feature is an optional service for checking accounts. You must specifically request this service on the enrollment form. If you do not choose the bill payment service at this time, you may add it any time by calling Community Bank of Bergen County’s Online Banking Department at 201-587-1223.
General Information: This Online Banking Terms and Conditions Agreement (“Agreement”) is a contract between you and Community Bank of Bergen County that outlines and governs the Terms and Conditions for accessing your personal and commercial accounts via Community Bank of Bergen County’s Online Banking Service. This Agreement explains the terms and conditions which govern the following Online Banking Services:
Account and Balance Inquiries
Account Transfers & Payments
Transaction Downloads and Print outs
Online Bill Payment
Automatic Bill Transfer: This Agreement also includes and incorporates the disclosures required by the Electronic Fund Transfers Act (15 USC 1693 et seq.) This Agreement applies only to the Community Bank of Bergen County Online Banking Service. Other electronic fund transfers to or from your accounts at Community Bank of Bergen County are governed by the Electronic Fund Transfers account agreements provided to you when you established your account or when you requested other electronic fund transfer services.
In order to use Community Bank of Bergen County’s online service, you must accept these terms and conditions set forth in this Agreement. By using your mouse and clicking on the “I Agree” button at the end of the Agreement, you agree to abide by all the terms and conditions of the Agreement and acknowledge your receipt and understanding of this Agreement. Please read this Agreement carefully and print a copy for your records. This Agreement is governed by federal laws and regulations and, to the extent not preempted by federal law, by the laws and regulations of the State of New Jersey.
Consumer Accounts: Some of the terms set forth in this Agreement, as specified in the Agreement, apply only to Consumer Accounts. A “Consumer Account” is an account held by a natural person and used primarily for personal, family, or household purpose.
Business Day: The term “Business Day” means Monday through Friday, excluding federal banking holidays. After 4:30 pm Monday through Thursday will be considered the next business day. Friday after 4:30 pm, Saturday, and Sunday will be considered Monday’s Business Day.
II. Accessing Your Accounts, Security and Your Responsibilities.
Password and Login Security: Security is Community Bank of Bergen County’s utmost concern. In order to activate your Online Banking Service, you must have a least one of the following types of accounts with us; checking, savings, certificate of deposit,(including IRA’s), or a loan account. When you login to the service for the first time, you will use an Access ID and a temporary Password that Community Bank will provide for you. You will then be prompted to choose a new “Password.” Because your password is used to access your accounts, you should treat it as you would any other sensitive personal data. You should carefully select a password that is hard to guess. You should not use any public information as a password such as addresses, telephone numbers, or birth dates. Keep your password in a safe, as in a vault, or in some other secure location. Memorize your password and never tell it to anyone. You should not under any circumstances disclose your password by telephone or to anyone claiming to represent Community Bank of Bergen County. Bank employees do not need and should not ask for your password.
You will also be required to complete an additional Multifactor Authentication enrollment page. Multifactor Authentication is an enhanced security feature that helps protect you while you access your account through Online Banking. Online fraud perpetrators sometimes attempt to steal your identity or gain illegal access to your accounts by tricking you into logging into a website that looks similar to the Community Bank site, but is in fact fraudulent. MFA has also been added to further help protect you, the consumer, from unauthorized access, fraud and the like. To complete the MFA enrollment page during the first time you log in to Online Banking, you will be directed to:
Choose a picture to associate with the website
Create and enter a Pass Phrase
Verify your email address
Provide answers to three Challenge Questions
The MFA picture and Pass Phrase are designed to help you identify that you are on the Community Bank website and not a fraudulent look-alike site. After you enter your log-in information, if you are on the true Community Bank website, the picture and phrase you chose will be presented on the screen. Once you confirm that the picture and Pass Phrase are correct, it is safe to enter your password. If you do not recognize the picture and Pass Phrase, do NOT enter your Password. This may be an indication of a fraudulent website.
Community Bank of Bergen County is entitled to act on instructions received through online banking under your password and without inquiring into the identity of the person using that password. Any person having access to your Community Bank of Bergen County online password will be able to access the Online Banking Services and perform all transactions, including reviewing account information and making transfers to other accounts which have mutual ownership. You are liable for all transactions made by persons authorized to use your password.
If, despite Community Bank of Bergen County’s advice, you give your password to anyone, you do so at your own risk. Since anyone to whom you give access to your password will have full access to your account (s) even if you attempt to limit that person’s authority.
You will be required to change and/or update your password every 180 days. This can be done at any time, after you are logged in, from the “Options” menu.
Once you login as a first time user, you will be required to change the initial password and select a new one only known to you.
The Access ID maybe be selected by the “bank” and cannot be changed.
The password criteria is as follows
Minimum password length is eight(8) characters
Maximum password length is seventeen(16)
You must have at least one(1) Alpha character and one(1) Numeric character and one(1) Special character
Passwords are case sensitive (must be entered exactly as inputted with upper and/or lower case character(s).
Passwords can be changed at any time by the accountholder, and by any other person to whom the accountholder provides the password, through the Community Bank of Bergen County Online Banking Service.
If you suspect that an unauthorized person has access to your password, or believe your password has been lost or stolen or that someone may attempt to use the service without your consent or has transferred funds without your permission, you must notify Community Bank of Bergen County immediately. See Part VI of this Agreement for additional information relating to liability for unauthorized transactions and error resolutions.
Your session time is unlimited, but to help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for Ten (10) minutes. This is to protect you in case you accidentally leave your computer unattended after you login. When you return to your computer, you will be prompted to re-enter your password and your session will continue.
If you attempt to login Three (3) times unsuccessfully you will be “Locked Out” for Thirty (30) minutes, if you wish to try again sooner than thirty minutes, you must call us at 201-587-1223. If you get “Locked Out” Three (3) times you will be permanently disabled and will have to call us in order for us to reset your password.
Your Rights and Responsibilities: In addition to this Agreement, you agree to be bound by and comply with the Account Agreement and Account disclosure, the rules and regulations of the electronic transfer system, and state and federal laws and regulations. You, the consumer, are responsible for keeping your online password and account data confidential. We are entitled to act on transaction instructions received using your password, and you agree that the use of your password will have the same effect as your signature, authorizing the transaction(s). If you authorize other persons to use your password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization, changed your password, and that you are responsible for any transactions made by such persons until such time as we receive and have time to act upon the notification that transfers by that person, or instructions regarding your accounts, are no longer authorized.
III. Online Services and Limitations
Available Services: You may use your personal computer to:
View account balances and transaction history.
Transfer funds from your Community Bank of Bergen County checking and savings accounts into:
Other Community Bank of Bergen County checking and savings accounts which belong to you.
Establish automatic transfers from one of your Community Bank of Bergen County accounts to another (from checking and savings to checking, savings or loans).
Through Optional Online Bill Payment, pay bills to any merchant, institution or individual with a U.S. mailing address.
Communicate directly with Community Bank of Bergen County via e-mail.
Other services may be added to Community Bank of Bergen County’s Online Banking Service and will be communicated to our customers as the additions are made.
Hours of Accessibility: You may access Community Bank of Bergen County’s Online Banking Service seven (7) days a week, Twenty-four (24) hours a day. Necessary system maintenance will be scheduled for hours during which system traffic is normally at a minimum. If the system is unavailable due to an unanticipated problem, you may use the automated phone banking system, or one of our ATM machines, or a branch office (during regular business hours) to conduct transactions.
Balance and Transaction Information: You may access any eligible Community Bank of Bergen County account of which you are an owner or signer to receive transaction history and balance information. The balance and account history will show the current balance of the account, including any transactions conducted prior to the inquiry. In progress returns due to non-sufficient funds or stop payments may not be reflected in the inquiry.
Account Information and Transfers: Account balances and activity is private information. Funds transferred between related accounts initiated on your computer using Online Banking and received by the bank before 4:30 pm EST will be effective on that Business Day. Transfers processed on your computer using Online Banking and received after 4:30 pm EST on a Business Day, or on any non-Business Day, will be effective the following Business Day.
Unavailable, Delayed, or Inaccurate Account Information: We strive to provide complete, accurate and timely account information through Online Banking. However, unless otherwise required by law, we will not be liable to you if any such information is unavailable, delayed or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the Bank’s failure to properly complete authorized transfers, the extent of our liability is described in Part VI of this Agreement.
Limits on Frequency and Amount of Transfers: Federal regulations require us to limit either by contract or in practice the number of certain types of transfers from money market deposit accounts and savings accounts. Under these regulations, you are limited to six (6) preauthorized electronic fund transfers each month, including telephone transfers, Community Bank of Bergen County EZBill Payment and other online banking transactions, checks, and point-of-sale transactions. Payments to your Community Bank of Bergen County loan accounts are not counted toward this limit. Subject to availability of funds in your designated checking account, there are no limits on the dollar amount of transfers to or from your account.
Service Cancellation: Community Bank of Bergen County reserves the right to cancel your online service at any time without notice due to insufficient funds in one or more of your accounts. In addition, if the online account has been inactive for a period of 3 months your account will be canceled. After any cancellation, service may be reinstated at the discretion of the bank provided that funds are available to cover the cost of any fees and/or pending transfers. To reinstate your service, contact the Community Bank of Bergen County Online Banking Department at 201-587-1223.
If you wish to cancel any of your Community Bank of Bergen County Online Banking Services, please contact Community Bank of Bergen County Online Banking Department at 201-587-1223 or send us cancellation instructions in writing to Community Bank of Bergen County, Attn: Online Banking Department, 18 Railroad Ave, Rochelle Park, NJ 07662.
IV. Optional Bill Payment
Through Community Bank of Bergen County’s Online Banking Service you may subscribe to our optional Online Bill Payment system hosted by Checkfree, a Fiserv, Inc company. The Bill payment service allows you to schedule payments through your online banking system for current, future and recurring bills from your Community Bank of Bergen County checking account only. You must designate a specific checking account as your bill payment account, and bills then will be paid from this designated account subject to your available balance. Savings accounts, Money Market Accounts, and Line of Credit Accounts are excluded from Online Bill Payment System.
Eligibility: You may pay any merchant or individual approved for payment by Community Bank of Bergen County for payment through the Online Bill Service. We will be unable to process any payments to federal, state, or local tax agencies. Online bill payments must be payable in U.S. dollars and are available only to payees with a U.S. mailing address.
Bill Pay Procedure: By furnishing us with the names of your payees (merchants and/or individuals) and their addresses, you give us authorization to follow the payment instructions, which you provide to us via Community Bank of Bergen County’s Online Banking Service for these payees. When we receive your payment instruction for the current date or a future date, we will remit the funds to the payee on your behalf from the funds in your selected account as of the date you enter if that date is a Business Day. If the date you enter is not a Business Day then the funds will be withdrawn as of the next Business Day. This date should be at least five (5) Business Days prior to the actual due date of your payment. We are not obligated to pay funds from your account (s) if the account balance is insufficient to cover the payment, unless your account has overdraft protection in an amount sufficient to cover the payment.
When you submit any request for an electronic payment using our Online Banking Service, please print a copy of your completed request and authorization for your records.
Allow sufficient time for your payments: Any payments made with Bill Payment require sufficient time for your payee to credit your account properly. To avoid incurring a finance charge or other charge, you must schedule a payment sufficiently in advance of the due date of your payment. All payments must be scheduled five (5) full Business Days in advance of the due date of your payment. Not all payees accept electronic bill payments. In the event that the payee for your scheduled payment does not accept payment via the electronic system, your payment will be made by mailing a paper check.
Liability: If you fail to schedule your payment according to the recommended time frame, Community Bank of Bergen County we shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly, including any applicable finance charges or late fees. Paper checks are mailed to the address you supply. Community Bank of Bergen County will not be responsible for processing incorrect information, which is supplied by you through the bill payment system, or for failure of the payment to process due to incorrect information. In addition, we will not be liable if any third party through whom any bill payment is made fails to properly transmit the payment to the intended payee. We will not be liable for indirect, special or consequential damages due to the use of Bill Payment. See Parts VI and VII for additional information.
Termination of Bill Payment: Community Bank of Bergen County reserves the right to terminate your use of Bill Payment at any time. If for any reason you should wish to terminate your use of Community Bank of Bergen County’s Bill Payment, we recommend that you cancel all future bill payments and transfers at the same time you cancel your account by calling Community Bank of Bergen County’s eBanking Department at 201-587-1223. This will insure that future payments and transfers made by you will not be duplicated. We will automatically delete all outstanding payments and transfers (both one-time and recurring) once we have been notified that your service has been terminated. We will continue to maintain your accounts unless you notify us otherwise.
Bill Payment Fees: Refer to Section VI for monthly fees and other charges for personal and business accounts.
Joint Account Holders: Each Bill Payment account may consist of either one individual account holder, or multiple, (joint) account holders. Each account holder needs a unique Community Bank of Bergen County Online Banking password. The terms of this online banking agreement apply to all account holders enrolled in the Online Bill Payment program. In order to have a joint membership, all members must be joint signers on the checking account (excluding money market accounts) linked to Bill Payment. Joint members share the same payee list, and are subject to the joint tenant rules contained in the Account Disclosure Card and Signature Card for the checking account. Either account owner may close the bill payment service.
V. Changes to Fees, Charges and Other Terms
We reserve the right to change the fees, charges or other terms outlined in the agreement. We will notify you 30 days prior to implementation of changes, either by written notice or e-mail, and will also update the agreement, if the changes to this agreement are more restrictive than those stated in the agreement, or increase your responsibility for unauthorized transactions. In the event that a change is necessary to ensure the security of the online system, an immediate change may be necessary, and we will notify you within 30 days after the change is made by electronic or written notice. You may choose to accept or decline changes by continuing or discontinuing the services to which the changes relate. We reserve the option to waive, reduce, or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Account Disclosure.
VI. Additional Electronic Fund Transfer Disclosures and Agreement Terms
Tell us IMMEDIATELY if you believe your online password has been lost or stolen or if you believe your password may be used without your permission. Contacting us by telephone is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit availability).
Also, if your statement shows transfers that you did not make, tell us at once.
The following three paragraphs apply only to Accounts that are “Consumer Accounts” (as defined in the Introduction to this Agreement):
If you tell us within two (2) Business Days (see above for our Business Days), of learning of the loss or theft of your password, you can lose no more than $50.00 if someone uses your online password without your permission. If you do NOT tell us within two Business Days after you learn of the loss or theft or unauthorized use of your password, and we can prove that we could have stopped someone from using your password without your permission if you had told us, you could be responsible for as much as $500.00.
If your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after your statement was mailed to you, you may not get back any money lost after the sixty days if we can prove that we could have stopped someone from taking the money if you had told us in time.
Contact in event of Unauthorized Transfers.
If you believe your online password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call the Community Bank of Bergen County Online Banking Department at 201-587-1223, if you are calling between the hours of 4:00 pm and 8:00 am or on a Non- Business Day, e-mail us at CustomerSupport@CBBCNJ.Com or write to us at Community Bank of Bergen County, Attn: eBanking Department, 18 Railroad Ave, Rochelle Park, NJ 07662. You also may notify us at the above number and address if you discover any errors in your statement or have any questions regarding your electronic transfers. Please make sure you include the following information:
Your name and account number (s)
Describe the error or transaction in question, and explain why you believe it to be an error.
Tell us the dollar amount of the suspected error.
If the problem involves a bill payment, tell us the checking account number used for payment, the payee’s name, date for which the payment was scheduled, payment amount, and any applicable payee account number or reference number.
If you tell us orally, we may require you to send us your complaint of question in writing within Ten (10) Business Days.
The following three paragraphs apply if your complaint or error is with regard to a Consumer Account:
We will determine whether an error occurred within Ten (10) Business Days after we hear from you and correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will provisionally 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 provisionally credit your account.
For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts (an account that has been opened for 30 days or less), we may take up to 20 Business Days to provisionally credit your account for the amount you think is in error.
We will tell you the results of our investigation within 3 Business Days after its completion. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.
Our Liability for Failure to Make Transfers or Paying Late
If we do not complete a transfer to or from your bank account on time or in the correct amount according to our agreement with you, and if the transfer was to or from a Consumer Account, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable:
If, through no fault of ours, you do not have enough money in your account to make a transfer or bill payment.
If a legal order directs us to prohibit withdrawals from the account.
If your account is closed or if it has been frozen
If a hold has been placed on your account for uncollected funds.
If the transfer or payment would cause the account to become overdrawn beyond the balance of the account plus any overdraft protection.
If you, or anyone you allow, commits fraud or violates any law or regulation.
If any electronic terminal, telecommunication device, or any part of the electronic fund transfer system is not working properly.
If you have not provided us with complete and correct payment information, including without limitation the name, address, account number and payment amount of the payee on a bill payment.
If you have not properly followed the instructions for using Community Bank of Bergen County’s online banking Bill Payment Service.
If circumstances beyond our control (such as fire, flood, hurricane, improper transmission or handling of payments by a third party) prevent the transfer or bill payment, despite reasonable precautions taken by us.
Confidentiality – Disclosure of Account Information
You authorize Community Bank of Bergen County and any 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 request or court orders.
To verify the existence and condition of your account to a third party, such as a credit bureau or merchant.
To provide services relating to your account or to offer other products and services.
To other entities if you give us permission.
Please refer to our Privacy Disclosure which we provide to you for a complete description of our policies and practices relating to the disclosure of your information to third parties.
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company the person or company making the deposit will tell you every time they send us the money OR you can call us at 201-587-1223 to find out whether a deposit has been made.
Right to Stop Payment and Procedure: You have the right to stop or change any scheduled payment. You must cancel the payment no later than 3:00 pm EST of the Business Day prior to the date you had requested that the payment be sent by calling Community Bank of Bergen County’s Online Banking Department at 201-587-1223. We shall not be liable to you due to a stop payment request if your order to do so is not presented prior to processing the payment. Once processing of the payment has begun, you can no longer stop payment.
Notice of Varying Amounts: If you have told us in advance to make regular payments out of your account, and if any of these payments may vary in amount, the person you are going to pay will tell you, ten days before each payment, when it will be made and how much it will be.
Liability for Failure to Stop Payment of Preauthorized Transfer: If you order us to stop a payment from a Consumer Account three Business Days or more before the transfer is scheduled to be sent and we do not do so, we will be liable for your losses or damages.
Fees and Charges:
- Account and balance inquiries
- Funds Transfers/Loan Payments
- Export online transaction
- BankExpress App (Mobile Banking and Deposit)
No Charge for these services
Online Bill Payment
- Personal Accounts
- Small Business Accounts
No Charge for these services
Popmoney (formally ZashPay) (P2P Payments)
- Consumer Only
$0.50 3 Day Send Fee
$1.50 Next Day Send Fee
$0.50 3 Day Request Incoming Fee
Account 2 Account Transfer (A2A)
- Consumer Only
$0.50 Per Outgoing Transfer
You agree to be responsible for any local or long distance telephone charges or Internet Service Provider (ISP) charges that you incur by accessing your accounts via Community Bank of Bergen County Online Banking Service.
VII. Limitations on Bank Liability
We will not be responsible for the following incidents, errors or failures:
We will not be responsible for failure to provide access or for interruptions in access to Community Bank of Bergen County’s online banking or online Bill Payment Service due to a system failure or due to other unforeseen acts or circumstances.
Your Computer Equipment or Software
We will not be responsible for any errors or failures from any malfunction of your computer or any computer virus or other problems related to your computer equipment used with Community Bank of Bergen County’s Online Banking Service.
We are not responsible for any error, damages or other losses you may suffer due to the malfunction or misapplication of system you use, including your browser (Microsoft Explorer®, Netscape Navigator®, or otherwise), your Internet Service Provider (ISP), your personal financial management or other software, (such as Quicken®, or Microsoft Money®), or any equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with Community Bank of Bergen County’s Online Banking Service.
Online Bill Payment
We are not responsible for postal delays or processing delays by the payee for any bill payment made through our Bill Payment services.
VIII. Other Provisions
With your consent, we may send notices to you by electronic mail (E-Mail). You may use e-mail to contact us about inquiries, maintenance, and/or some problem resolution issues. E-Mail may not be a secure method of communication. We therefore recommend that you do not send confidential, personal, or financial information by e-mail. There may be times when you need to speak with someone immediately, especially to report a lost or stolen password, or to stop a payment. In these cases, do Not Use E-Mail. Instead, call our Online Banking Department at 201-587-1333 Ext 1560, 8:00 am to 4:00 pm Mon – Fri, excluding bank holidays.
Warranty and Software Limitations
NEITHER WE, NOR ANY OF OUR SUBSIDIARIES, ANY SOFTWARE SUPPLIER NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESSED OR IMPLIED, TO YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE (OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS), UNLESS DISCLAMING SUCH WARRANTY IS PROHIBITED BY LAW.
Ownership of Website
The content, information and offerings on our Website are owned by Community Bank of Bergen County, and the unauthorized use, reproduction, linking or distribution of any portions are strictly prohibited.
The Community Bank of Bergen County Online Bank services described in the Agreement and available on our Website are solely offered to citizens and residents of the United States of America currently residing in the United States. Citizens and residents outside the United States may not access the Community Bank of Bergen County Online Banking or Bill Pay Service.
Scope of Agreement
This Agreement represents our complete agreement with you relating to our provision of the Community Bank of Bergen County Online Banking services. No other statement, oral or written, including language contained in our Website, unless otherwise noted, is part of this agreement.
The Bank may assign certain of its rights and responsibilities under this Agreement to independent contractors or other third party vendors.