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Mobile Banking Agreement

Please read this Agreement carefully before accessing or using this service.  This Agreement supplements our Online Banking Terms and Conditions.  By accessing or using the service, you agree to be bound by the terms and conditions set forth below. If you do not wish to be bound by these terms and conditions, you may not access or use the service.

Electronic Communications, Disclosures and Notices
Mobile Banking is an electronic internet based service. Therefore, you understand that the Mobile Banking Agreement will be entered into electronically.

This Disclosure describes the process that must occur before we can provide you with electronic disclosures and notices (such as by email or website). It also describes your rights in the event you consent to receiving electronic disclosures and notices. First we must inform you as to the computer hardware and software requirements to receive and keep the electronic disclosures and notices. Then we must make an electronic request for your consent. Finally, you must give your consent electronically in response to our request. You understand prior to giving your consent that:

  1. Your consent applies to disclosures and notices regarding your accounts on our mobile banking;
  2. Unless you consent, you have the right to receive all required disclosures in paper or non-electronic form;
  3. Even after consent, if you want to receive a paper copy of the disclosure in addition to the electronic disclosure you can obtain one by calling us (please refer to the credit union's fee schedule for paper copy fees);
  4. You can withdraw your consent at any time by calling us;
  5. You must promptly provide us with the information (such as an email address) needed to communicate with you electronically and update us as to any changes in such information by calling us.

We reserve the right to provide any disclosures or notices in writing, rather than electronically.

Mobile Banking Services
The following terms and conditions apply to the Mobile Banking service:

1.You understand that to use Mobile Banking, you must have already registered for Online Banking.  Posted on our website is a statement of the software requirements to participate in our Online and Mobile Banking.  Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your account information, transfer funds, and conduct other banking transactions.  We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We also reserve the right to modify the scope of the service at any time.

We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable. From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by law.

Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supportable for all devices. The Credit Union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues.

2. Use of Service.  You agree to accept responsibility for learning how to use Mobile Banking and agree that you will contact us directly if you have any problems with Mobile Banking. In the event of any modifications, you are responsible for making sure you understand how to use Mobile Banking as modified. You also accept responsibility for making sure that you know how to properly use your device, and we will not be liable to you for any losses caused by your failure to properly use the service or your device.

3. Other Agreements. You agree that, when you use Mobile Banking, you remain subject to the terms and conditions of your existing agreements with the Credit Union except as expressly otherwise stated herein; and with any unaffiliated service providers, including, but not limited to, your mobile service provider and that this agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.  And you should review the credit union's account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Mobile Banking.

4. Permitted Mobile Banking Transfers.  You may transfer or withdrawal up to the available balance in your account at the time of the transfer, except as limited under this agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may process transfers that exceed your available balance at our discretion. If we process the transfer, you agree to cover any overdraft amount plus any applicable fees. We may limit the type, frequency and amount of transfers for security purposes and may change or impose the security limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

5. You represent and agree to the following by enrolling for Mobile Banking or by using the Service:

a. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other financial information which may be accessed via Mobile Banking. You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Device you will use to access Mobile Banking.

b. User Security. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person.  You agree not to store your password in your device.  If you permit other persons to use your Device, login information, or other means to access Mobile Banking, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk.

c. User Conduct. You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Banking to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

d. No Commercial Use or Re-Sale. You agree that the Service is only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Mobile Banking or resell, lease, rent or distribute access to Mobile Banking.

Mobile Remote Deposit

1. Features and Services. Kemba allows members in good standing to deposit certain checks into certain accounts with their mobile device camera using Kemba's mobile banking application.  Kemba reserves to right to terminate any member's mobile remote deposit privileges at any time if, in its sole discretion, Kemba determines that the member has violated or abused the terms and conditions of this service.

2. Types of Checks. You are permitted to deposit checks using Mobile Remote Deposit; however, there are some checks that you cannot deposit. These include:

a. Items drawn on a depositor's own Kemba account which are being deposited to that same Kemba account;
b. Items stamped with a "non-negotiable" watermark or bearing any other sign that the item is not negotiable;
c. Third party items, i.e. any item made payable to a party other than the person seeking to deposit the item, even if such item is endorsed by both the payee and depositor;
d. Any items made payable jointly to more than one party where one of the parties is not on the account to which you seek to deposit the check;
e. Items exhibiting evidence of having been altered;
f. Any items that are not in original form with a signature, such as substitute checks or remotely created checks.
g. Items issued by foreign financial institutions or not issued in U.S. Dollars;
h. Items missing required information;
i. Items that have been previously deposited at Kemba or elsewhere.
j. "Stale-dated" or "post-dated" items.

Note that any item that you attempt to deposit using Mobile Remote Deposit is subject to verification by Kemba.  We may reject an item for deposit for any reason and will not be liable to you.  In such a case, you will need to deposit the item using other means, such as visiting a Kemba branch.

3. Endorsement.  Mobile Remote Deposit items must be endorsed by all names written on the payee line of the item being remotely deposited and item images must be legible.  The following restrictive endorsement must also be included: "Mobile Deposit Only at Kemba CU".

4. Receipt. We are not responsible for items that we do not receive. Processing and/or transmission errors can occur after we acknowledge receipt that may impact transaction completion.

5. Cut off Times for Deposits. Deposits made via Mobile Remote Deposit must be made before 3:00 p.m. Eastern Standard Time in order to be considered deposited the same day. Deposits made after 3:00 p.m. Eastern Standard Time may not be posted until the next business day. A business day is Monday through Friday, excluding Federal holidays and as otherwise posted in our branches or at

6. Availability of Funds Deposited. Once deposited, subject to the cut off time described above, up to $200 dollars of the total of your deposits for the day made in any manner (including branch, ATM, etc.) will be immediately available to you on the day of deposit.

Checks are subject to verification by Kemba and may be rejected for any reason without liability to us.  If the check is verified by Kemba, the balance of the check will be made available to you the first business day after the day of deposit in most cases.

There are some reasons that you may have delayed availability such as a history of repeated overdrafts or returned items.  Also, if you deposit a larger item, availability may be delayed if you do not have funds in the account to cover the check should it be returned.  In such cases, you will receive full availability by the seventh business day after the day of deposit.  If your account has been open 30 days or less, however, you may not receive full availability until the ninth business day after the day of deposit.

If the check is not approved, the amount (up to $200) that was made immediately available to you will be removed from your account and you will be notified that we could not accept your deposit. Notifications of delayed availability or disapproval of the deposit may not be available to you via the Mobile App and instead may come via regular mail, electronic delivery (e.g. email), or other acceptable means.

7. Destruction of Original Check.  Within 30 days of receiving full credit for the check, you must destroy the check. Shredding is one way to destroy it. Destroying the check prevents it from being presented for deposit another time. You will be liable for checks that are presented more than once.

8. Image Quality. The image of an item transmitted to Kemba must be legible.

9. Changes/Removal of Service.We may, in our sole discretion, modify, add or remove portions of the service or end the service at any time without notice. We may turn off the service to you if we suspect fraud, if you misuse Mobile Remote Deposit, if you do not adhere to our endorsement requirements, if you have excessive overdrafts or returned items, or for other reasons in our sole discretion.

10. Limitations. When using Mobile Remote Deposit, you may experience difficulties that are outside the control of Kemba or there may be times when Mobile Remote Deposit is not available. We are not responsible for any difficulties or any damages that you may incur as a result of these difficulties or unavailability.

11. Compatible Hardware and Software. In order to use Mobile Remote Deposit, you must use, at your expense, compatible hardware and software. We are not responsible for any third party software you may need to use Mobile Remote Deposit. We may change requirements at any time without prior notice. You may need to upgrade the Mobile App to use Mobile Remote Deposit.

12. Deposit Limits. We may establish limits on the number of checks or the total amount of checks deposited using Mobile Remote Deposit. These limits may change from time to time without notice to you.


Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless the credit union, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from (i) a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the service; (ii) your violation of any law or rights of a third party; or (iii) your use, or use by a third party, of Mobile Banking.

The following is our contact information:

P.O. BOX 14090
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (513) 762-5070 or (800) 825-3622

Last Updated 12/20/13