How Do I Transfer Money From Bank To Vangaurd

Electronic Funds Policy

(Regulation E)

The following Disclosure Information is provided in compliance with REGULATION E by BayVanguard Depository financial institution.

This notice describes important terms and conditions under which we provide sure preauthorized credit and debit services to you.

TYPES OF AVAILABLE TRANSFERS AND LIMITS ON TRANSFERS

Our services allow you to inquire that recurring deposits, designated past you, such as Direct Deposit of Wages, Social Security Benefits, Pension Payments, Dividend Payments and similar regular payments be deposited straight into your:

• Checking Business relationship
• Money Market Business relationship
• Business organization Checking Account
• Statement Savings Business relationship

Additionally, it may be possible to arrange with some merchants, insurance companies, banks, credit unions, and other institutions, to have recurring bills paid automatically (a debit to your business relationship) from your:

• Checking Account
• Coin Market Account
• Business Checking Account
• Statement Savings Account

In that location is no limitation on the dollar amount of any of the electronic funds transfers that you lot can make with us.

In that location is no limitation on the frequency of electronic funds transfers when they are deposits into the account listed higher up. There is no limitation on the frequency of electronic funds transfers when they are a transfer of funds out of the accounts listed above, with the exception of 3rd party electronic transfers out of a Money Market place Account.

CHARGES Applicative TO TRANSFERS

Fees applicable to making electronic funds transfers we handle for you, including ATM/ DEBIT transactions, are listed on the Bank's current Service Fee Schedule. We reserve the right to impose or revise such charges at a future appointment. When you lot apply an ATM not owned by us, yous may be charged a fee by whomever owns the ATM for a balance inquiry even if you do not complete a fund transfer.

DISCLOSURE OF ACCOUNT INFORMATION TO 3rd PARTIES

Bay-Vanguard does not and will non sell or provide personal data to third parties for contained use. We may, yet, share personal information with service providers if that data is required to provide the production or service y'all have requested as follows: (1) where it is necessary for completing the transfers; (two) to service bureaus for information or account processing; (iii) in compliance with whatever agreement between the Depository financial institution and a professional regulatory or disciplinary body; (4) in connection with collection of indebtedness or to study losses incurred past united states of america; (5) in response to any amendment, summons, court or authoritative order, or other legal process which nosotros believe requires our compliance; (vi) to Chex Systems, Inc. or other account information services; (7) to MABS, Maryland Association for Depository financial institution Security, or other industry accepted security services; (8) and to anyone we reasonably believe is conducting a legitimate credit inquiry to verify the existence or status of an account for a tertiary party such as a merchant or credit bureau. You lot acknowledge that nosotros provide, for your convenience, various ways by which you tin obtain information on your accounts, and that our reasonable security measures cannot absolutely ensure against "unauthorized" inquiries. Y'all therefore concord that we will non be responsible for the release of whatsoever information to anyone non authorized by you who learned your identifying characteristics such as your personal identification number (Pivot), account number, social security number, telephone admission code, etc. You hereby qualify u.s. to obtain credit reports, verification of employment and other information in respect to your accounts at any time.

RIGHT TO RECEIVE DOCUMENTATION

Electronic Funds Transfer transactions will be reflected on your monthly business relationship statements in the case of Statement Savings, Money Market place Accounts or checking accounts.  If yous have arranged to have direct deposits made to your account, at least one time every 60 days from the same person or visitor, y'all may call us at 410-477-5000 to find out whether or not the deposit has been made.

NOTICE OF WHAT CONSTITUTES A BUSINESS DAY

Our business organisation days are Monday through Friday, excluding Federal Holidays.

Right TO Cease PAYMENT

If y'all have told us in advance to make regular payments out of your account, y'all can cease any of these payments. Hither'due south how:

Telephone call usa at any of our branches, write to us, or electronic mail usa at the accost listed nether Error Resolution Procedures in time for us to receive your request three (three) concern days or more before the payment is scheduled to be made. If you lot call, we may likewise require you to put your asking in writing and get it to united states of america within 14 days after yous call.

If these regular payments vary in corporeality, the person you lot are going to pay will tell you, x (10) days before each payment, when it volition exist made and for how much information technology will be. You may choose instead to get this notice only when the payment would differ by more a sure amount from the previous payment, or when the amount would fall outside certain limits you fix.

If y'all club united states of america to stop one of these payments 3 (iii) business days or more than earlier the transfer is scheduled, and nosotros do not do so, we will be liable for your losses or damages. Y'all may not place a stop payment on any ATM, POS, or debit card transaction.

REPORT LOST/STOLEN Bill of fare i-800-523-4175

ERROR RESOLUTION PROCEDURES

In instance of errors or questions about your electronic transfers, phone us at 410-477-5000 Extension 8102 or e-mail the states at support@bayvanguard.com during our normal business organisation days, Monday through Friday, excluding Holidays, from ix:00 a.chiliad. to iv:30 p.yard., or write to:

BayVanguard Banking concern
7114 North Indicate Road
Baltimore MD  21219

You must contact u.s. as soon every bit you can if yous recall your statement or receipt is wrong, or if you lot demand more information nearly a transaction listed on your statement receipt. We must hear from you no later on than lx days after we send you lot the Get-go statement on which the trouble or fault appeared.

To receive prompt attending:

• Tell u.s. your proper name, Card number (if ATM transaction), and the account number(s).
• Describe the error or transaction you lot are unsure about, and explain as conspicuously equally you can why y'all believe an error has occurred or why you need the information.
• Tell the states the dollar corporeality of the suspected error.

If you notify the states orally, we require that you send the states your complaint or question in writing within 10 business days.

We will investigate your complaint and will correct any error promptly. In well-nigh cases we will take no more than 10 business organization days to complete our investigation. If we need more fourth dimension, still, we may take up to 45 days to investigate your complaint or question. If you believe that the fault was the result of a foreign initiated transfer or a point-of-sale transaction, or if you have non been an business relationship holder for more 30 days, we may take up to 90 days to investigate the errors. Nosotros will credit your account inside 10 days for the corporeality yous think is in error, unless you have not been an account holder for at to the lowest degree thirty days, in which case we will credit the account inside 20 days and so that you lot will accept the use of the money during the time that we consummate the investigation.

If nosotros decide there was no error, we will send you a written explanation within three (3) business days later on we finish our investigation. Y'all may ask for copies of the documents that nosotros used in our investigation.

OUR LIABILITY FOR INCOMPLETE TRANSACTIONS

If nosotros do not complete a cash transaction to or from your account on time or in the correct corporeality co-ordinate to our agreement with you lot, we will be liable for your losses or amercement. However, there are some exceptions. Nosotros will Non be liable, for instance:

• If, through no fault of ours, you practice not accept enough money (available funds) in your account to brand the transaction;
• If the ATM where you are making the transaction does not accept enough cash or supplies;
• If the ATM organization was not working properly, and yous knew about the breakdown when yous started the transaction;
• If circumstances beyond our command, such as fire, alluvion, or loss of power, foreclose the transaction, despite reasonable precautions nosotros may have taken;
• If in that location is a concur or alert on your business relationship that would prevent a transaction from posting; or,
• If you initiate a transaction in fault or improperly utilise an electronic funds transfer service.

Institutions or merchants participating in the STAR arrangement will not exist liable for mechanical failure or other failure or if there is insufficient cash or supplies in the ATM.

There may be other exceptions stated in our agreement with you.

Automatic TELLER MACHINES

The employ of the ATM service constitutes an understanding between the customer and BayVanguard Bank that each will be leap by the terms and conditions in this disclosure as well as the Automated Teller Machine Understanding.

Types of Transactions: Yous may apply your Card at any ATM bearing the STAR logo to:

• Withdraw cash from your checking or statement savings account.
• Transfer funds between your accounts with us; or,
• Determine the balance in your account.

With your Carte y'all can purchase goods and services from any STAR merchant. Payment for these purchases will exist withdrawn from your checking account or statement savings account.

Funds from deposits may not be bachelor for firsthand withdrawal. For details, please refer to BayVanguard Banking concern's rules governing Funds Availability. You may not withdraw in whatsoever one calendar day, by ATM transaction, more than than $ii,500 or the amount of the available rest in your business relationship, whichever is less. You lot may purchase upwards to $2,500 worth of appurtenances or services by ATM transaction in whatever one agenda day providing funds are available in your account.

Service Charges: There are certain fees charged to your account for some of the services in a higher place. Your account may also exist charged a fee if a transaction is performed that causes your account residue to be overdrawn. When you utilise an ATM not owned by us, yous may be charged a fee by whomever owns the ATM for a balance inquiry even if yous do not consummate a fund transfer. Fees charged past us are disclosed in our current Service Fee Schedule that is bachelor at all of our offices or upon request and will exist mailed to you lot when we receive your application. We reserve the right to change whatever fees or charges, and y'all volition be given written notification at least xxx days in advance of whatever changes or revisions to whatever of our fees.

Full general Data CONCERNING OUR ATM/DEBIT PROGRAM

ATM Limit – $2,500 per day

Point of Sale Limit – $two,500 per twenty-four hours

First 5 transactions per statement cycle – No accuse

In excess of v (5) transaction per statement cycle (including balance transfers and inquiries) – variable fee will use. See Service Fee Summary. (This schedule is for charges for BayVanguard ATM machines only. Boosted fees may be charged by other institutions when not using a BayVanguard Bank ATM.)

ELECTRONIC Bank check CONVERSION

You may authorize a merchant or other payee to make one-time electronic payments from your checking account using information from your bank check to (1) pay for purchases or (two) pay bills.

Telephoning is the best fashion of keeping your possible losses downwards. You can lose all of the coin in your account plus your maximum overdraft line of credit. If you tell the states within two business days, you lot tin lose no more $50.00 if someone used your Card without your permission.

If you do not tell us within two (2) business days later on the loss or theft of your Card and we can prove we could have stopped its unauthorized use had you told us in fourth dimension, you can lose every bit much equally $500.00. If your business relationship statement shows transactions that you lot did not make, notify the states at once. If you fail to notify us within sixty (60) days later on the argument was mailed to you, y'all may not get dorsum whatsoever money yous lost after the threescore (sixty) days if we can prove that we could have prevented the loss had you told the states in time.

ADDIITIONAL LIMITS ON LIABILITY FOR VISA DEBIT Menu

 (When Used for Indicate of Sale Transactions)

You will not be liable for any unauthorized transactions using your VISA Debit Card when used for betoken-of-sale transactions if: (1) y'all can demonstrate that y'all accept exercised reasonable care in safeguarding your card from the hazard of loss or theft, (2) you have non reported to united states two or more incidents of unauthorized utilize within the prior twelve-month menstruum, and (3) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $fifty or the corporeality of money, holding, labor, or services obtained by the unauthorized use before notification to us. "Unauthorized apply" means that the utilize of your debit card by a person, other than you lot, who does not have actual, implied, or credible authorisation for such utilize, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by VISA.

VISA Souvenir CARDS

Terms and Weather

These are your Gift Card Terms and Conditions. Please read them carefully and keep them for your records. Please sign your card immediately, In these Terms and Weather, "Gift Carte" and "Carte" means the VISA Gift Cards issued by CenterState Bank of Florida, NA. "You" and "Your" means the person who has received the Souvenir Carte du jour. "We", "Us", and "Our" means CenterState Bank of Florida, NA, our successors, affiliates or assigns. By accepting and using your Gift Menu, y'all are agreeing to these Terms and Conditions. The Gift Carte du jour is neither a credit card nor an FDIC-insured production.

Menu Access

The Gift Bill of fare is a prepaid card that tin can be used at retail establishments that have agreed to have the Card and can process VISA indicate-of-auction transactions.

Card Limitations

You must take sufficient, available funds to pay for all Souvenir Card Transactions. If the purchase corporeality is greater than the available funds, the divergence may exist paid for with greenbacks, cheque, or credit or debit card, field of study to the policy of the merchant. If the merchant attempts to process the Gift Card for more than the bachelor funds, the transaction will be declined. Y'all may confirm your bachelor residuum or transactions 24 hours a twenty-four hour period, seven days a week at www.harlandclarkegiftcard.com or by calling us toll free at 1-866-244-5360.Yous may but use your card in the manner and for the purposes described in these Terms and Conditions. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual corporeality of your purchase. If the corporeality of the authorization exceeds the value remaining on you Card, the transaction may not be honored, fifty-fifty though the value remaining on your card is sufficient to encompass the actual amount of your purchase. The Card may not be used to obtain cash from automatic teller machines (ATMs) or for any other blazon of cash advance. Your card may not be used for illegal transactions or for whatsoever blazon of pre-authorized transaction such as recurring monthly dues or fees.

Foreign Transactions

If you obtain your funds (or make a purchase) in a currency other than the currency in which your Carte du jour was issued, the amount deducted from your funds will be converted past VISA UsaA., Inc. into an amount in the currency of your Menu. The substitution rate betwixt the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA The statesA., Inc. itself receives, or the government mandated rate in effect for the applicable central processing date.

Fees

Your Gift Card will be charged:

• $five.00 inactivity fee, assessed on the kickoff solar day of each month after 12 full months of inactivity.
• $5.00 greenbacks out or lost stolen fee (new carte du jour issuance fee may also utilize)

All fees are automatically deducted from your Carte du jour balance. If your Card balance is zero or becomes zero as a issue of whatever fees, the Menu will be terminated.

Documentation of Transactions

At the time of purchase, you will receive a receipt for the transaction. Retain the receipt for your records.

Disclosure of Data to Third Parties

We will disclose information to third parties nigh your Card or a transaction that you make; in social club to verify the beingness and status of your carte; in order to comply with government agency or court orders; In connection with examinations by cyberbanking authorities; for analytical purposes; if you requite united states of america written permission; and as otherwise permitted past law.

Disputes with Merchants

You concur to brand a skillful faith attempt to settle all disputes about purchases you make using your Card with the Merchant who accustomed your bill of fare.

Your Liability For Card Use

Tell us AT Once if you believe your card has been lost or stolen. Telephoning is the best mode of keeping your possible losses down. Phone call usa toll free at 1-866-244-5360, 24 hours a day, seven days a week; write to: Cardholder Services, P.O. Box 550160, Ft. Lauderdale, FL 33355-0160 or visit www.harlandclarkegiftcard.com. If your menu is used in connection with an unauthorized transaction that was processed through the VISA network, your liability will not exceed $0 if you lot reported the loss or theft of your card and, you did not act grossly negligent or fraudulently in handling your Carte du jour.

Disclaimer of Liability

In providing the Gift Menu service to yous, we disclaim whatsoever duty or responsibility other than those expressly set along in these Terms and Conditions.

Expiration

Your bill of fare expires on the expiration date listed on the front end of the Card, or when the entire value has been exhausted, whichever comes first. After the Card has expired, information technology is no longer valid. All transactions volition exist declined and funds are no longer bachelor. Your Bill of fare may be subject to State law requiring us to plough over remaining funds on your Carte to a government dominance afterward a menses of inactivity or dormancy.

Termination

The Card shall remain our property. We may, at someday and without prior notice, cancel your Card by returning the Card to u.s.. Termination of the card will non affect prior transactions or obligations existing at the time of termination. Upon termination, we will suit to transport you a bank check for your remaining balance, less outstanding transactions and fees, within six to eight weeks.

Amendment

We may amend these Terms and Weather condition by mailing notice to you at your concluding address on our records at to the lowest degree 21 days prior to the effective engagement of whatever amendment that results in an increased fee or charge, an increase in your liability, a reduction in Bill of fare services, or stricter transaction limitations.

Assignment

Y'all may not transfer or assign your Carte rights to any other person without our prior written consent. We may assign our obligations to yous under these Terms and Conditions without your consent or discover to you.

Severability/ No Waiver

If any provision of these Terms and Weather condition shall be deemed unlawful, void or for whatever other reason unenforceable, then that provision shall be deemed severable from these Terms and Atmospheric condition and shall non impact the validity and enforceability of whatsoever remaining provisions. Our failure to enforce the strict performance of any provision of these Terms and Conditions will non plant a waiver of our rights to subsequently enforce such provision or whatever other provisions of these Terms and Conditions.

Governing Law

These Terms and Conditions, the Gift Card and all transactions hereunder are subject to the laws of the Country of Florida, the laws of the United states of america and VISA rules and regulations.

Notice of Errors

If you think a receipt is wrong or you have a question concerning a Carte du jour transaction, call u.s. toll-gratis at ane-866-244-5360, 24 hours a twenty-four hours, seven days a calendar week; write to Cardholder Services, P.O. Box 550160, Ft. Lauderdale, FL 33355-0160 or visit world wide web.harlandclarkegiftcard.com equally soon as you can. We must hear from you no later on than 60 days after the transaction appointment and you must provide the following information: a. your name and souvenir carte number, b. a clarification of the error or the transaction y'all are unsure about, and an caption as to why you demand more than information, c. the dollar amount of the suspected error. If you tell us orally, we may require that yous send united states your complaint in writing within 10 business organisation days.

Arbitration

Any controversy or merits arising out of or relating to these Terms and Weather condition or the provision of services shall exist settled by bounden arbitration in accordance with the commercial arbitration rules of the American Mediation Clan. Any such controversy or claim shall be arbitrated on an individual basis and shall not exist consolidated in any mediation with any claim or controversy of whatever other party. The mediation shall exist conducted in the State of Florida, and judgment on the mediation award may exist entered in whatsoever court having jurisdiction thereof. Either you lot or nosotros may seek any interim or preliminary relief from the court of competent jurisdiction in the State of Florida necessary to protect the rights or property of you or us (or our agents suppliers, and subcontractors) pending the completion of the arbitration.

Source: https://www.bayvanguard.com/electronic-funds-policy/

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