Bill payments will be made either by transferring funds electronically from your
account to the person or company you want to pay or by sending a check that will
be mailed to the person or company you want to pay. We will, in our sole discretion,
pick the method of bill payment for each bill you pay.
Bill payments are processed only Monday through Friday. Any request made on a weekend,
holiday, or after 3:00 p.m. Pacific time on a business day may be processed on the
following business day. Payments may be sent to payees either as an electronic payment
(for payees that can receive such payments) or as a check. Because it could take
up to 10 days for a payee to receive a check through the U.S. mail, you should allow
at least that much time for payments by check. Do not rely on any payment grace
period. You are responsible for scheduling payments to be made in a timely manner.
We will not be responsible for delays that occur in the postal system or automated
clearing house, or for any action or omission by a payee.
Payments will normally be posted to your account within two business days of the
date that the payment was sent to the payee. You will receive a confirmation number
at the time that you set up each bill payment.
When you use this service, you authorize us to act as your agent and attorney-in-fact
for the limited purpose of communicating with others regarding your instructions,
and processing your transfers.
Sending Funds. You can send funds to a recipient
by (a) inputting the recipient’s email address into our Service so that we can send
the recipient an email notifying them that you are sending them funds or (b) inputting
the recipient’s mobile phone number into our Service so that we can send the recipient
a text message notifying them that you are sending them funds. We are not responsible if you
input the incorrect email address or mobile phone number and the recipient
completes the transfer. We will debit the funds for the transfer from your account
at the time you set up a transfer. The recipient of the pending transfer will need
to open a GoBank account in order to receive their money and complete the transfer.
We may, in our sole discretion, offer the recipient other ways to pick up the pending
transfer. You may only send up to $2,000 per day and $5,000 in any 30 day period using our Service.
You agree not to impersonate another person or send any messages that are fraudulent
or offensive. If the recipient opens a GoBank account, we will deposit the funds
to the recipient’s account. If the recipient fails to open a GoBank account within
10 days or the transfer cannot be made for any other reason, we will notify you
and return the funds to your account.
Receiving Funds. If another person (a “Sender”) instructs
us to transfer funds to your account, you authorize us to deposit the funds to your
GoBank account and represent to us that you are the person intended by the Sender
to receive the funds. As with sending funds, you acknowledge that there will be
a delay between the time you are notified of a pending transfer and the date funds
are deposited to your account.
Declined and Reversed Transactions. We may decline
to complete a transfer if: (a) we believe it may involve or result in a violation
of law or expose us to liability or risk of loss; (b) we are unable to authenticate
the sender or intended recipient; (c) there are insufficient available funds for
the transfer; (d) the transfer instruction is unclear, ambiguous or incomplete;
(e) we identify a security risk involving the transaction; or (f) as otherwise stated
in this Agreement. If a transfer is rejected for any reason, we will notify you
and attempt to return the funds to the sender’s account.
Cancelling and Changing Transfer Instructions. You
may cancel or change a transfer by following the instructions provided in the
Mobile App or Website prior to the time the recipient acknowledges and completes
the transfer. Please note that if you send money to another existing GoBank accountholder,
that transfer will be instantly credited to the recipient and cannot be cancelled.
For security reasons, our person to person transfer service is not available for use until you activate your Debit Card.
Budget Tool/Fortune Teller. The budget tool is designed
to help you track income and expenses. In order to use the tool, you must input
your own income and expenses. The budget tool does not automatically populate your
budget with your deposits (including direct deposits) or with your bill payments.
The Fortune Teller uses only what you input into the budget tool to determine if
you have enough money to make a purchase. The budget and Fortune Teller are made
available for you as tools for your use and are not intended to provide financial
advice. We cannot and do not guarantee their applicability or accuracy in regards
to your individual circumstances. All individuals are different with different incomes
and specific needs and goals. We are not responsible for the accuracy of either
the budget tool or the Fortune Teller, and neither of these tools takes into account
your personal financial position, or any income or expenses that you have not input.
Account Alerts. The GoBank Account Alerts (the “Alerts
Service”) enables you to request and receive notices (collectively, “Alerts”,
individually, an "Alert") from time to time concerning available account
information and other matters relating to your GoBank account. You may request and
receive Alerts via SMS text message through a SMS-enabled mobile device (“SMS Alert
or through push notifications delivered from our Mobile App to your mobile device
(“Push Alert”). You may also choose to receive Alerts at an email account
(“Email Alert”). The Alerts Service
is only available to those over the age of majority in their state who have an account
which is in good standing. By signing up to receive one or more of the Alerts that
are offered by the Alerts Service, you acknowledge that you are aware of and agree
to abide by the terms and conditions applicable to the Alerts Service.
Please be certain to review terms and conditions specific to Push Alerts and SMS
Alerts (collectively “Mobile Alerts”) and Email Alerts, below.
General Alerts Service Terms And Conditions.
You acknowledge and agree that your receipt of any Alert may be delayed or prevented
by factor(s) outside of our control, including factors affecting your wireless service
provider and coverage in your area. We do not guarantee the delivery, timeliness
or accuracy of the contents of each Alert. The Service is subject to transmission
limitations and service interruptions. You agree to indemnify, defend and hold GoBank
and its directors, officers, employees and agents (collectively, “Released Parties”)
free and harmless from any and all losses or damages, including attorneys' fees,
lost profits, and indirect or special damages, including, but not limited to, to
those relating to bank secrecy or financial privacy laws or regulations, that may
arise, directly or indirectly, in whole or in part, from: a non-delivery, delayed
delivery, or the misdirected delivery of an Alert; inaccurate or incomplete content
in an Alert; your reliance on or use of the information provided in an Alert for
any purpose; or any third party, whether authorized or not, obtaining information
regarding your account disclosed in the Alerts.
We provide the Alerts Service purely as a convenience to you and for information
purposes only. Alerts do not constitute a record for the account to which it pertains.
We do not assume any additional responsibility or obligation under these terms and
conditions in respect of the use of, or any transaction or eventuality involving,
your account. The Alerts Service does not free you from the responsibility of safeguarding
the physical security and authorized use of your account.
We reserve the right to suspend, terminate, and modify the Alerts Service without
liability at any time without prior notice to you.
We may deactivate the sending of Alerts to you if your account is not used for a
purchase, ATM transaction, deposit or transfer for a period of sixty (60) days.
If Alerts are deactivated for your account and you resume use of your account and
wish to restore Alerts, you will be required to re-enroll your account in the Alerts
Service to restore Alerts.
Mobile Alerts Additional Terms And Conditions. The
Alerts Service allows you to request and receive Mobile Alerts. We send Mobile Alerts
to you based upon the instructions you provide to us, including the mobile number
you provide to us at GoBank.com. You hereby acknowledge and accept that each Mobile
Alert may be sent to you without being encrypted and may include your name and information
pertaining to your account. Depending upon which alerts you select, information
such as your account balance may be included. If anyone accesses your mobile device,
they may be able to view the contents of these Alerts. You are solely responsible
for restricting access to your mobile device and maintaining the confidentiality
of any information displayed through a Mobile Alert. For help regarding SMS
Alerts, text “HELP” to 43411 or contact us. You can unsubscribe from SMS Alerts
at any time by texting “STOP” to 43411. You can unsubscribe from Push Alerts at
any time via the settings feature of your mobile device or via the GoBank Mobile
App, under "Account." By enrolling in Mobile Alerts, you are consenting to receive
Mobile Alerts and other messages delivered via text message or push notification
to your mobile device, including a confirmation receipt of STOP messages when you
unsubscribe from SMS Alerts. Message and data rates may apply to your use of Mobile
Alerts. See your wireless provider for pricing plan details.
It is your responsibility to: ensure the security of your mobile device; determine
if your wireless provider supports SMS; and ensure your mobile device is capable
of receiving SMS or push notifications.. You are solely responsible for any fees
imposed of any kind whatsoever by your wireless service provider in connection with
Mobile Alerts. The Service is available on these US carriers only: AT&T, Sprint,
Nextel, Verizon Wireless, U.S. Cellular, T-Mobile, Cincinnati Bell, Alltel, Virgin Mobile USA, Cellular South, Ntelos, C-Spire, Cellcom, Metro PCS, Cricket (Leap Wireless), Interop, GetLisa/ClearSky, Boost Mobile.
Email Alert Additional Terms And Conditions. The
Alerts Service allows you to receive Email Alerts about your account. We send Email
Alerts to you based upon the instructions you provide to us, including the email
address you provide us on GoBank.com. You hereby acknowledge and accept that each
Email Alert may be sent to you without being encrypted and may include your name
and information pertaining to your account. Depending upon which alerts you select,
information such as your account balance may be included. Anyone with access to
your email will be able to view the contents of these Alerts. You may unsubscribe
from Email Alerts anytime by managing your Account Alert preferences through the
Website or Mobile App. It is your responsibility to ensure the security of your
email account. You are solely responsible for any fees imposed of any kind whatsoever
by your Internet service provider.
Mobile App End User License Agreement. The Mobile
App End User License Agreement (“Mobile App Agreement”) applies
to your access and use of the Mobile App. GoBank has the right to terminate or suspend
your access to or use of the Mobile App, with or without notice, in the event that
you violate the Mobile App Agreement. In case of any discrepancy between this Agreement
and the Mobile App Agreement, the terms of this Agreement will prevail.
Proprietary Rights; Use of Content. The Website and
Mobile App are owned and operated by GoBank or its affiliates, licensors and/or
third party service providers (the “GoBank Parties”) and unless otherwise
indicated, all designs, text, images, videos, graphics, software and other content
and materials appearing on the Website or Mobile App (collectively, “Content”)
are the property of GoBank or the GoBank Parties, and protected, without limitation,
by U.S. and foreign copyright, trademark and other intellectual property laws. All
trademarks, service marks, trade names, logos and other indicia of origin (collectively,
"Marks") appearing on the Website or Mobile App are the property of GoBank
or the GoBank Parties. You may not make any use of any Content or Marks without
the prior written consent of GoBank. No Content from the Website or Mobile App may
be copied, reproduced, republished, uploaded, posted, transmitted, or distributed
in any way.
Your Conduct. In using or accessing the Service you
agree: (1) not to use the Service for fraudulent purposes; (2) not to "spam" others
or "phish" for others' personal information; (3) not to create or use a false identity;
(4) not to disrupt or interfere with the security of, “deeplink”, attempt to obtain
unauthorized access to or otherwise abuse, the Service or affiliated or linked websites;
(5) not to disrupt or interfere with any other user’s enjoyment of the Service;
(6) not to use, frame or utilize framing techniques to enclose any Marks or other
proprietary information (including Content); (7) not to use meta tags or any other
“hidden text” utilizing a Mark ; and (8) not to use the Service in a manner that
is defamatory, inaccurate, profane, threatening, invasive of a person's privacy,
violates any third party proprietary rights, or is in violation of any law or regulation.
Third Party Websites and Services. The Website and
Mobile App may contain links to third party websites and services, over which GoBank
has no control. You acknowledge and agree that GoBank does not endorse, verify,
or make any representations regarding these third party websites and services and
is not responsible for the availability of, and any liability arising from, any
such third party websites and services. GoBank is not liable to you or any other
party for any loss or damage which may be incurred by you as a result of these third
party websites and services.
Termination; Modification. GoBank reserves the right,
without notice and at its sole discretion, to suspend or terminate your ability
to access or use the Service, and to block or prevent future access to and use of
the Service for any reason. GoBank may, in its sole discretion, terminate, change,
modify, suspend, make improvements to or discontinue any or all aspects of the Service,
temporarily or permanently, at any time with or without notice to you. You agree
that GoBank shall not be liable to you or to any third party for any such modification,
suspension or discontinuance.
Disclaimer. GOBANK MAKES NO REPRESENTATION OR WARRANTY
IN CONNECTION WITH THE SERVICE, THE WEBSITE, THE MOBILE APP, OR ANY, CONTENT OR
ONLINE OR MOBILE SERVICES PROVIDED THEREIN ("GOBANK MATERIALS"), ALL OF WHICH
ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. GOBANK HEREBY DISCLAIMS ALL
WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED
WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT,
WITH RESPECT TO THE GO BANK MATERIALS , AND ANY THIRD PARTY WEBSITE OR SERVICE.
GOBANK DOES NOT WARRANT THAT THE GO BANK MATERIALS WILL MEET YOUR REQUIREMENTS,
THAT THE OPERATION OF THE GO BANK MATERIALS WILL BE UNINTERRUPTED OR ERROR-FREE,
THAT DEFECTS WILL BE CORRECTED, THAT TRANSMISSIONS OR DATA WILL BE SECURE, OR THAT
THE GOBANK MATERIALS, OR THE SERVER(S) THAT MAKES THEM AVAILABLE, ARE FREE OF VIRUSES
OR OTHER HARMFUL COMPONENTS. GOBANK DOES NOT WARRANT OR MAKE ANY REPRESENTATION
REGARDING THE USE OR THE RESULTS OF THE USE OF THE GOBANK MATERIALS IN TERMS OF
THEIR CORRECTNESS, ACCURACY, RELIABILITY, OR OTHERWISE.
GoBank will not be responsible for any delay, failure in performance or interruption
of service, resulting directly or indirectly from acts of God, acts of civil or
military authorities, civil disturbances, terrorism, wars, strikes or other labor
disputes, fires, transportation contingencies, interruptions in telecommunications
or Internet services or network provider services, failure of equipment and/or software,
other catastrophes or any other occurrences which are beyond the GoBank’s reasonable
Hours of Operation. You can access account information
through the Service 7 days a week, 24 hours a day. There may be times, however,
when all or part of the Service is unavailable due to system outages or maintenance.
We assume no responsibility for any damage or delay that may result from such unavailability.
Electronic Mail. If you send us electronic mail (“email”),
we may not receive or review it immediately. We will have a reasonable time to act
upon any email request or notice, and reserve the right to reject any transaction
or request received by email. For security reasons, you should not send us any
email with your account or personal information in it. Our service providers and
we assume no responsibility for viruses created by third parties, or for any third
party’s unauthorized access to, or use of, your computer system.
Discrepancies. We assume no responsibility for the accuracy
or timeliness of information provided by, or retrieved from, other institutions
or other parties to your transactions. You agree to provide us with prior written
notice of any changes in your designated accounts with payees and other institutions
that would affect our right or ability to process Service transfers or payments.
If a transfer or payment instruction identifies a payee or a bank by name and account
or other identifying number, we and other financial institutions may process the
transaction solely on the basis of the number, even if it identifies a different
person or entity from what is indicated in the instruction. We have no obligation
to identify and investigate discrepancies between names and numbers.
Documentation. We will make available to you a monthly
deposit account statement unless there are no electronic fund transfers in a particular
month. In any case, you will receive or have electronic access to a statement at
Service Fees. There are no fees for accessing information
about your accounts or paying bills through the Service. We are not responsible
for any fees that may be billed to you by your Internet service provider.
Limitations. We reserve the right to limit the frequency
and dollar amount of transfers and payments for security reasons. We may permit
you to exceed these limits from time to time at our sole discretion. Payments and
transfers may only be made to and from accounts in the United States, and only in
U.S. dollars. We also may deny or limit transactions for security reasons. We may
refuse to permit a Service transaction at any time and without prior notice if we
believe it may violate applicable law.
How to Notify Us of a Problem. If you have a question
about a Service transaction, believe your Login Credentials or security question
have been lost or stolen, or that someone has transferred or may transfer money
from your account without your permission, call us at (888) 280-8260 or write to
us at GoBank Member Care, P.O. Box 1188, Monrovia, CA 91017.
Limitation on Time to Sue. Unless otherwise required
by law, an action or proceeding by you to enforce an obligation, duty or right arising
under this Agreement or by law with respect to the Service must be commenced no
later than one year after the day the cause of action accrues.
Indemnification. Except as otherwise set forth in this
Agreement, you agree to indemnify, defend and hold us harmless from all claims,
actions, proceedings, fines, costs and expenses (including, without limitation,
attorney fees) related to or arising out of: (a) your actions and omissions in connection
with your accounts or our Service, or (b) our actions and omissions, provided that
they are taken/omitted in accordance with this Agreement or your instructions. This
provision shall survive the termination of this Agreement.
Other Terms. This Agreement incorporates, supplements
and supersedes where inconsistent, the terms of your account agreement with us.
Please see that agreement for other terms relating to this Service (e.g., waivers,
governing law, and overdrafts). You agree to comply with the Terms and Conditions
found at our web site, as well as any Service guidelines and instructions set forth
at that site. Unless we agree otherwise in a writing that specifically refers to
this Agreement, this Agreement, our web site terms and conditions, and your account
agreement contain all of the terms of our agreement with you with respect to the
Service. You agree that your download and use of the Mobile App is subject to the
license agreement for the Mobile App.
Change in Terms. We may add to, delete from, or change
the terms of this Agreement at any time by sending a notice to any of you at the
mail or email address shown in our records, by posting the notice or an amended
Agreement on our web site, or by delivering it to you. You may choose not to accept
the change by closing your account(s) or terminating this Agreement and your use
of the Service.
Note: The Service may not be available at all times. We may make additional services or new features available from time to time.
Termination. We may terminate or suspend your access
to all or part of the Service at any time, with or without cause. Any indemnification
required by this Agreement shall survive its termination.