We have received calls from several customers saying they have received a text from “Bank of Clarke County Fraud” attempting to verify large purchases. This is a scam. We are also aware that our number 540-955-2510 is being spoofed to make the caller ID look like the call is coming from us. While that number is one we use, we will not ask you for any personal information if we call you directly. Please do not give anyone who contacts you personal information. If someone calling you requests personal information, please hang up and call one of the numbers listed on our website.
Thank you for using the Mobile Money Services (“Services”) and any related Software (“Software”) provided by Bank of Clarke County (“Financial Institution”) combined with your handheld's text messaging capabilities. By participating in the Services or using the Software, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and bill pay services of which the Service is a part. Financial Institution in its discretion may modify these Terms and Conditions at any time. Standard messaging charges apply.
Terms and Conditions:
Use of Google Maps. You agree to abide by (1) the Google terms and conditions of use found at https://maps.google.com/help/terms_maps.html and (2) the Google Legal Notices found at https://maps.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.
Mobile Deposit Service Agreement
These Terms and Conditions are effective June 20, 2018
To access Bank of Clarke County’s Mobile Deposit Service (“Mobile Deposit”) you must be enrolled in Bank of Clarke County’s Online Banking and meet the minimum qualifying criteria. Your usage of the Mobile Deposit Service constitutes your agreement with the Terms and Conditions. If we make changes to the Terms and Conditions, we will update them on our website.
“You,” “Your”: You as the person or business entity subject to these Terms and Conditions, which includes any user you authorize to use the Mobile Deposit Service on your behalf.
Use of Service:
In addition to being enrolled in our Online Banking, you must download our Mobile Banking app to a supported device, such as a smartphone or tablet, maintain the Account in good standing, and comply with such restrictions on the Service as we may communicate to you from time to time. To make a Deposit using Mobile Deposit Capture, you must log into your Bank of Clarke County Mobile App on your handset device. Choose “Deposits”, select Deposit Check. You will then choose the Qualifying Account to receive the Deposit, enter the amount of the Deposit, then take a picture with your device of both the front and back of the check which you are depositing, and, submit the Deposit. Upon submission, the Deposit will undergo an image quality check. Should the Deposit fail this quality check, you will be prompted to retake the picture of the front and/or back of the check.
After submitting each Deposit, you will receive an in-app confirmation that the Deposit has been submitted for processing. This notification acknowledges the receipt of Deposit and does not mean the Deposit has been approved. An additional communication will only be sent if one of the following situations applies to the Deposit:
If your Deposit repeatedly fails the quality check, or is rejected for any reason, you will be required to bring the check (s) into the branch or mail the check (s) to the branch for processing
If the Deposit has been reviewed and approved, it will be posted to your Qualifying Account with a Mobile Deposit description. Once the Deposit has been approved and it has been determined that no holds will be placed on these funds, the deposit will be posted to your Qualifying Account the same business day if received prior to the Cut-Off Time. The funds will be available in accordance with the “Funds Availability” section below.
Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the day of the deposit.
Funds deposited using the Mobile Deposit Service before the Business Day Cutoff will be available to you on the same date of deposit, subject to the Bank’s funds availability policy. Funds deposited through the Mobile Deposit Service may not be immediately available for use. Generally, checks imaged through Mobile Deposit before 4:00 PM Eastern Standard Time on a business day will be received by the Bank of Clarke County on that day. When the Deposit(s) are available for viewing, the reflected order of debit and credit transactions (including but not limited to checks and debit card transactions) may vary from the order in which the Bank will finally process them. The Bank reserves the right to determine the processing order of all transactions.
Your Electronic Item(s) is deemed to have been received by the Bank when the Service generates a confirmation message
Conditions for Use:
When using the Mobile Deposit Service, you will endorse all checks with “For Mobile Deposit Only” and “Bank of Clarke County”. You agree to maintain all paper items contained in a Deposit, which has been approved by the Bank for fourteen (14) calendar days after submission. After the 14-calendar day retention period for each paper item you will destroy the paper item in a manner, such as shredding, that makes it unable to be compromised.
You will not Deposit the following items to your Qualifying Account using Mobile Deposit Capture:
Mobile Deposit Capture Unavailability:
Mobile Deposit Capture may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. If for any reason the Mobile Deposit Service is not able to process your Deposit, you may take your check(s) to the nearest Bank of Clarke County branch for deposit to your Qualifying Account or by mailing the original check(s) to PO Box 391 Berryville, VA 22611.
Mobile Deposit Capture is provided at no charge to you. We may, upon at least thirty (30) days prior notice to you, to the extent required by applicable law, charge a fee for use of this service. If you continue to use Mobile Deposit Capture after the fee becomes effective, you agree to pay the service fee that has been disclosed to you, as may be amended from time to time. Further, any such service fee will be debited from the same deposit account where the check is being deposited.
Any applicable fees for Mobile Deposit Capture may be changed by us at our discretion at any time upon at least 30 days prior notice to you, to the extent required by applicable law. If your deposit account does not have sufficient funds to cover fees, you authorize us to charge any such fees to any other deposit account you maintain with us.
Your Warranties to Bank of Clarke County:
You represent and warrant to Bank of Clarke County that:
FAILURE TO PROTECT YOUR HARDWARE AND SECURITY CREDENTIALS MAY ALLOW AN UNAUTHORIZED PARTY TO ACCESS THE SERVICE AND TRANSMIT AN ELECTRONIC ITEM FOR DEPOSIT. ALL USES OF THE SERVICE THROUGH YOUR SECURITY CREDENTIALS WILL BE DEEMED TO BE AUTHORIZED BY YOU AND BE BINDING UPON YOU. YOU ASSUME THE ENTIRE RISK FOR THE FRAUDULENT OR UNAUTHORIZED USE OF YOUR SECURITY CREDENTIALS. YOU AGREE TO (i) EXERCISE RESPONSIBLE BEHAVIOR WHEN USING THE SERVICE, (ii) FOLLOW THE INSTRUCTIONS AND RECOMMENDATIONS THAT BANK OF CLARKE COUNTY PROVIDES YOU WITH RESPECT TO THE SERVICE AND (iii) USE MAXIMUM CAUTION IN PROTECTING YOUR HARDWARE AND SECURITY CREDENTIALS FROM UNAUTHORIZED ACCESS. YOU AGREE TO NOTIFY BANK OF CLARKE COUNTY IMMEDIATELY IF YOU BECOME AWARE OF ANY LOSS OR THEFT OF, OR ANY UNAUTHORIZED USE OF THE SERVICE OR YOUR SECURITY CREDENTIALS.
Your Agreement to Indemnify Bank of Clarke County:
You will indemnify, defend, and save harmless Bank of Clarke County, its parent company and its affiliates and each of their respective directors, officers, employees, and agents (collectively in this Paragraph, “Indemnitees”) from and against all liabilities, damages, claims, obligations, demands, charges, costs, or expenses (including reasonable fees and disbursements of legal counsel and accountants) awarded against or incurred or suffered (collectively, "Losses and Liabilities") by Indemnitees arising directly or indirectly from or related to the following (except for Losses and Liabilities arising directly or indirectly from or related to our own gross negligence or willful misconduct):
This Paragraph shall survive the termination of the Service.
Bank of Clarke County reserves the right to terminate, or otherwise restrict, your usage of Mobile Deposit for any reason. In addition to complying with the Conditions of Use and Warranties above, users of this service are expected to maintain their account in good standing, which we define as having a positive balance, regular deposits, and few, if any, overdrafts.
We reserve the right to impose limits on the deposits you submit using this service and to modify such limits from time to time. This service is currently subject to the following limits:
Item Limit: (the maximum single item amount you may deposit): $2,500.00
Daily Limit: (the maximum cumulative amount you may deposit in a single day): $3,500.00
We will reject any deposit that exceeds one or both of these limits. You may request a higher Item and/or Daily limit, which we may grant at our sole discretion. We reserve the right to reduce your deposit limits for any reason.
If a paper item in a Deposit is dishonored or otherwise returned for any reason, you authorize the Bank to debit the amount of such paper item from the credited Qualifying Account. If there are insufficient funds in the credited Qualifying Account, you authorize the Bank to collect the funds from any of your accounts. If funds are not available in any account, you agree to reimburse the Bank for the amount of any dishonored or returned paper item. You also agree to pay the Bank any applicable fees in accordance with the Fee Schedule in effect at the time of the collection.
Because you have retained and, after fourteen (14) calendar days, destroyed the original paper item, you acknowledge that it is impossible for the Bank to return such original to you. You agree that the paper item returned will be in the form of an electronic or paper reproduction of the original paper as defined in the Check 21 Act.