Mariner’s Bank

Personal Internet Banking Access Agreement

  1. Introduction
  2. Accessing Your Accounts through Mariner’s Bank Online Banking
  3. System and User Code Requirements
  4. Electronic Mail (E-Mail)
  5. Fees
  6. New Services
  7. Benefits of Using
  8. Terms and Conditions
  9. Your Online Password and Security Features
  10. Payment Account
  11. Our Liability
  12. Overdrafts: Order of Payments, Transfers, Other Withdrawals
  13. Stop Payments
  14. Account History Availability
  15. Hours of Accessibility
  16. Additional Terms and Conditions
  17. Payment Services
  18. Using the Service
  19. General Terms
  20. Changes to Charges, Fees or Other Terms
  21. Disclosure of Account Information
  22. Questions or Error Correction on Transactions
  23. Other General Terms
  24. Protecting Your Account
  25. Preventing Misuse of Your Account
  26. Unauthorized Transactions in Your Accounts
  27. Consent to Electronic Delivery of Disclosures

I. Introduction

This Online Access Agreement ("Access Agreement") for accessing your accounts through Mariner’s Bank (the “Bank”) explains the terms and conditions governing the Online banking services offered through the Bank. By using the Services, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of New Jersey. The terms "we," "us," "our," and "Bank" refer to Mariner’s Bank, "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays. Each of your accounts at the Bank is also governed by the applicable account disclosure statement and agreement ("Deposit Agreement and Disclosure").

II. Accessing Your Accounts through Mariner’s Bank Online Banking

A. System and User Code Requirements

  • System Requirements to Access Mariner’s Bank Online Banking – In order to provide you with the maximum level of security, we require that you use a browser that supports 128-bit encryption. Browsers that fulfill this requirement include: Microsoft Internet Explorer – Version 5.0 or higher. Note that not all Version 5.x browsers come with support for 128-bit encryption. Netscape Navigator – Version 4.08 or higher, except for Navigator 6 (Navigator 6 is not compatible with the online banking service.) Note that not all versions of Netscape come with 128-bit encryption. AOL – Version 4.0 or higher. Note that not all versions of AOL come with support for 128-bit encryption. Upgrades for 128-bit encryption are available directly from Microsoft, Netscape and AOL via their respective websites.
  • Account and User Code Requirements to Access Mariner’s Bank Online Banking - To access your accounts through Mariner’s Bank Online Banking, you must have a Sign On ID, an Online Password and a Digital Certificate.

B. Electronic Mail (E-mail)

Sending electronic mail (E-mail) throughMariner’s Bank Online Bankingis a way to communicate with the Bank. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of Mariner’s Bank Online Banking. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s). This feature allows you to communicate only with the Bank.

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within or call.

C. Fees

There are no monthly or transaction fees for accessing your account(s) through Mariner’s Bank Online Banking.

Please note that fees may be assessed by your Online service provider.

D. New Services

The Bank may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using

With Mariner’s Bank Online Banking, you can manage your personal accounts from your home or office on your personal computer. You can use to:

  • View account balances and review transaction history.
  • Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
  • Communicate with the Bank directly through E-mail.

III. Terms and Conditions

The first time you access your accounts through Mariner’s Bank Online Bankingyou agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

A. Your Online Password and Security Features

You will be given an Online Password and be asked to install an encrypted digital certificatethat will give you access to your accounts. The password will be provided to you in a separate email to the email address on record with the Bank.

At the time of your initial sign-on, you will be prompted to change your password. This password can also be changed at any time using the options button. We recommend that you change your password regularly.

The first time you sign-on to Mariner’s Bank Online Banking, you will be required to install a VerisignTM Digital Certificate. You can register wherever you sign into online banking (home or work or any other personal computer). Instructionsto setup Enhanced Online Security for your accounts are located on Click on Frequently Asked Questions – Security for Online Banking.

The Bank will act on instructions received under your password and two factor authentication certificate. 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, the Digital Certificate, account numbers and other account data confidential. Do not share your password with anyone who is not authorized to use your account. THE BANK WILL GIVE ACCESS TO YOUR ACCOUNTS TO ANY USER WITH YOUR CORRECT PASSWORD AND ACCESS TO THE DIGITAL CERTIFICATE. IT IS YOUR RESPONSIBILITY TO SAFEGUARD YOUR PASSWORD AND DIGITAL CERTIFICATE.

B. Payment Account

Although there are no fees for accessing your accounts through Mariner’s Bank Online Banking, you may be asked to designate a payment account for selected services. You agree to pay promptly all fees and charges for services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees.

If you close the payment account, you must notify the Bank and identify a new payment account for the selected services. Your Online access will be terminated at any time you do not have a designated payment account. Additionally, if you close all accounts, you must notify Customer Service to cancel the services.

Your Online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, services may be reinstated, once sufficient fundsare available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call Customer Service at 201-224-9110.

If you do not access your accounts through Mariner’s Bank Online Bankingfor any (1) one year period, the Bank reserves the right to disconnect your service without notice.

You agree to be responsible for any telephone charges incurred by accessing your accounts through Mariner’s Bank Online Banking.

If you wish to cancel any of the services offered through Mariner’s Bank Online Banking, please contact Customer Service at or send us cancellation instructions in writing to Mariner’s Bank, 935 River Road, Edgewater, N.J. 07020.

C. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, human error, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Neither the Bank nor the service providers shall 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, the Online Financial Services, or Internet browser or access software.

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

  • If, through no fault of ours, you do not have enough money in your account to make a transfer.
  • If a legal order directs us to prohibit withdrawals from the account.
  • If your account is closed or if it has been frozen.
  • If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
  • If you, or anyone you allow, commits any 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 properly followed the instructions for using Mariner’s Bank Online Banking.
  • If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, transfers, etc.) that you have requested for a given business day, then:

  1. Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
  2. The electronic funds transfers initiated through Mariner’s Bank Online Bankingmay result in an overdraft of your account and may, at the Bank's discretion, be canceled.

In addition, you will be charged the same overdraft charges that apply to your account if it is overdrawn through cash withdrawals or the writing of checks.

E. Stop Payments

Utilizing Mariner’s Bank Online Banking, you may place a stop payment on any check you have written. If you do, you agree to the following terms and conditions:

  • The information on the stop payment must precisely identify the check number, date, amount and payee. If you do not give the exact information, the Bank assumes no responsibility for stopping payment.
  • If the Bank does not have reasonable time to act on this stop payment before the Bank has accepted the item, or before the Bank has paid the item in cash, or before the item has deposited or received for deposit for credit in an account of a customer with the payor bank, then the Bank may be entitled to enforce payment of this item against the drawer.
  • The stop payment order is effective for six (6) months from the date of delivery unless earlier released by notifying the Bank in writing or renewed by the individual requesting this order in writing. If the stop payment is not renewed before the expiration of six (6) months, it will automatically terminate and the Bank is free to pay the check. In such an instance, you hereby agree to release and do waive any and all claims against the Bank with respect to the stop payment order or the check itself and you further agree to indemnify and hold the Bank harmless with regard to any and all claims involving the stop payment order and/or check, which includes the Bank’s reasonable attorney fees and costs.
  • If a third person, including the Bank, becomes a holder in due course of this check, the third person may be entitled to enforce payment against the drawer.
  • You understand that there may be claims or demands made against the Bank as a result of your request to the Bank. You agree that you will defend the Bank and will be responsible to the Bank if any claim or demand of whatever nature, is made against the bank with respect to a stop payment order and/or the check itself. You agree to indemnify and defend the Bank and to reimburse the Bank for any reasonable costs, expenses or attorney’s fees that the Bank may incur in defending itself against any such claims or demands. You understand that the Bank will use all reasonable efforts to comply with the stop payment order, however, unless the check number, date, amount and payee are correctly entered on the stop payment, the Bank assumes no responsibility for stopping payment andis not liable to you if a stop payment cannot be accomplished.
  • You must call Customer Service at 201-224-9110 to place a stop payment on an automatic debit processed through ACH, as this request may require additional documentation be completed.
  • You agree to pay the applicable stop payment fee as indicated in the Bank’s Schedule of Fees Brochure.

F. Account History Availability

Initially, Mariner’s Bank Online Banking will display up to 90 days of history on your accounts. As you use the service, your transaction history will accumulate. Mariner’s Bank Online Banking stores over a year of transaction history by the time you have been using it for ten months.

Mariner’s Bank Bill Payment keeps up to six months bill history available.

G. Hours of Accessibility

You can access your accounts through Mariner’s Bank Online Bankingseven days a week, 24 hours a day. However, at certain times, some or all of the services offered may not be available due to system maintenance. You will be notified Online when this occurs.

A transfer initiated through Mariner’s Bank Online Bankingbefore 3:00PM EST on a business day is posted to your account the same day. All transfers completed after 3:00PM EST on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.

Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.

H. Additional Terms and Conditions

Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available as of the close of the previous business day.

Transferring Funds – You may only transfer “good funds”, i.e. funds which have cleared through the payment system, out of your account using the Online system. The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. 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.

V. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a 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 at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. Your continued use of services after notice of a change in terms or charges will constitute an acceptance of the changes by you. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

B. CONFIDENTIALITY: 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 written permission.

C. Questions or Error Correction on Transactions

In case of questions or errors about funds transfers through or involving your account, here is what you should do:

  • Contact the Bank by electronic mail (E-mail)
  • Fax the Bank at 201-224-9386
  • Telephone the Bank at 201-224-9110
  • Write the Bank at 935 River Road, Edgewater, NJ07020, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record
  • We must hear from you no later than sixty (60) days after we have sent the first paper statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (IO) business days.
  • Tell us your name and account number
  • Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.
  • Tell us the dollar amount of the suspected error.
  • Here's what we will do:

We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, 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 ten (10) business days, we will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.