Zelle® terms of service

Last updated April 2025

This Agreement covers your and our rights and responsibilities concerning the Zelle^® Payment Service and Other Payment Services (together, the “Payment Service”) offered to you by OnPoint Community Credit Union (“OnPoint”). In this Agreement, the words “you” and “yours” mean those who have enrolled in the Payment Services. In this Agreement the words “we” and “us” and “our” and “ours” mean OnPoint Community Credit Union. The word “account(s)” means any one or more savings, checking and deposit accounts you have with us.

By enrolling online, you agree to the following terms and conditions governing your and our rights and responsibilities concerning the Payment Service. In addition, the Membership and Account Agreement and Online Banking Service Agreement disclosures will apply to the electronic funds transfers related to the Payment Service.

For consumer accounts, the member may enroll in the Payment Service and is responsible for the acts of any joint accountholder. Anyone enrolling represents that he or she is the primary accountholder and is authorized to enroll in the Payment Service. Anyone using the Payment Service represents that he or she has full authority to use the Payment Service and to engage in any action taken by him or her. For business accounts, the Payment Service may be enabled by any authorized user of the account holder. Any joint accountholder or an authorized user, acting alone, may effect transactions through the Payment Services.

Zelle^® and Other Payment Services Terms. We have partnered with the Zelle^® Network^® (“Zelle^®”) to enable a convenient way to send and receive money with others you trust, who are enrolled with Zelle^® with us, or with another financial institution that partners with Zelle^® (each a “User”) using aliases, such as email addresses, mobile phone numbers, or other unique identifiers described below (“Zelle^® Payment Service,” as further described below). Zelle^® provides no deposit account or other financial services. Zelle^® neither transfers nor moves money. You may not establish a financial account with Zelle^® of any kind. All money will be transmitted by a Network Financial Institution. THE ZELLE^® PAYMENT SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE ZELLE^® PAYMENT SERVICE OR OTHER PAYMENT SERVICES TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

When you enroll, you agree to the following terms of the Payment Service. The Payment Service enables you: (1) to initiate a Payment Instruction from an Eligible Transaction Account to an account at another U.S. financial institution; and (2) to receive Payments from another person into an Eligible Transaction Account. The Payment Service is generally available 24 hours, seven days a week with the exception of outages for maintenance and circumstances beyond the control of us or Zelle^®. Live customer service generally will be available Monday through Friday, excluding US financial institution holidays. The Zelle^® Payment Service allows for the delivery of payments to Receivers who are also enrolled in the Zelle^® Payment Service through a Payment Network designed to deliver payments on the same day and potentially within minutes, although actual speed will vary, as described below.

In addition to the Zelle^® Payment Service, we provide other payment services under these Zelle^® and Other Payment Services Terms. These additional services allow you to send money to people if you provide the Eligible Transaction Account information and other contact information for the Receiver; such transactions are not sent via Zelle^®. These payment services are referred to as “Other Payment Services”. The term “Payment Service” means the Zelle^® Payment Service and the Other Payment Services.

We are offering you the Payment Service through one or more Service Providers that we have engaged to render some or all of the Payment Service to you on our behalf. While we have engaged such a Service Provider to render some or all of the Payment Service to you, we are the sole party liable to you for any payments or transfers conducted using the Payment Service and we are solely responsible to you to the extent any liability in connection with the Payment Service. You agree that we have the right under this Agreement to delegate to Service Providers all of the rights and performance obligations that we have under this Agreement.

The Payment Service is offered only to individual residents of the United States who can form legally binding contracts under applicable law. The Payment Service is not offered to minors. By using the Payment Service, you represent that you meet these requirements. You also represent that you have the authority to authorize debits and credits to the enrolled account. Other than with respect to Zelle^® Small Business (i) you agree that you will not use the Payment Service to send or receive Payments in connection with any business or commercial transaction or purposes, and (ii) we reserve the right to suspend or terminate your use of the Payment Service if we believe that you are using the Payment Service for business or commercial purposes.

The Payment Service is not instantaneous. Payment delivery speed may vary based upon the fraud, risk and other funds availability policy of each financial institution and Payment Network availability.

Payment Authorization and Payment Remittance. You agree that the terms outlined in this section and Agreement constitute a commercially reasonable security procedure for payment authorization and remittance purposes. You must provide us with your regular email address (i.e., no disposable email addresses) and/or a permanent U.S. mobile phone number that you intend to use for an extended period of time (i.e., no “burner” numbers). You may not enroll in the Payment Service with a landline phone number, toll-free number, Google Voice number, or Voice over Internet Protocol. Once enrolled, you may: (i) authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and (ii) receive money from another User either at that User’s initiation or at your request subject to the conditions of the Section below titled “Requesting Payments.” When you enroll with Zelle^®, you may establish one or more profiles. Each profile may be linked to only one account, but you may enroll multiple email addresses or mobile phone numbers in each profile. Once you have enrolled an email address or a mobile phone number with a profile, you may not use that same email address or phone number with any other profile. Once enrolled, a Z logo will appear on your profile picture for each U.S. mobile number and/or email address that you have enrolled with Zelle^®. The Z logo will be displayed to other Users to aid them in determining which of your U.S mobile numbers or email addresses should be used to send money with Zelle^®. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll with Zelle^®. If you do not send or receive money for a period of eighteen (18) consecutive months we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you. If we are unable to confirm that you are the owner of the mobile phone number or email address, or we receive information that you are not the owner of the mobile number or email address, then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Zelle^® Payment Service until you enroll again. If you enroll in the Zelle^® Payment Service and elect to use a Zelle^® tag, the mobile phone number associated with your User profile will be used a contact method for certain communications related to the Zelle^® Payment Service and must meet the requirements described herein.

When we receive a Payment Instruction from you, you authorize us to debit your Eligible Transaction Account for the amount of any such Payment Instruction plus any related fees in effect (and as disclosed on the Site) at the time you initiate the Payment Instruction, and to remit funds on your behalf. You agree that any applicable fees will be charged when we receive a Payment Instruction from you, regardless of whether the Payment Instruction is ultimately completed. You also authorize us to credit your Eligible Transaction Account for the receipt of Payments, including but not limited to those Payments returned to us from Receivers to whom you sent Payment(s) and those Payments that were cancelled and returned to you because the processing of the Payment Instruction could not be completed. The Sender and the Receiver must ensure the accuracy of any information that they enter into the Payment Service (including but not limited to the Payment Instructions and name, telephone number and/or email address for the Receiver to whom you are attempting to send a Payment), and for informing us as soon as possible if they become aware that this information is inaccurate. We will make a reasonable effort to stop or recover a Payment made to the wrong person or entity once informed, but we do not guarantee such stoppage or recovery and we have no responsibility for damages resulting from incorrect information entered by the Sender or Receiver.

We will use reasonable efforts to complete all your Payment Instructions properly. However, we shall incur no liability if we are unable to complete any transaction because of the existence of any one or more of the following circumstances:

1. If, through no fault of ours, the Eligible Transaction Account does not contain sufficient funds to complete the Payment Instruction or the Payment Instruction would exceed the credit limit of your overdraft account;
2. The Payment Service is not working properly and you know or have been advised by us about the malfunction before you execute the Payment Instruction;
3. The payment is refused;
4. You have not provided us with the correct information, including but not limited to the correct Payment Instructions or Eligible Transaction Account information, or the correct name and email address, Zelle^® tag, or mobile phone number of the Receiver to whom you are initiating a Payment Instruction; and/or,
5. Circumstances beyond our control (such as, but not limited to, fire, flood, network or system down time, issues with the financial institution, or interference from an outside force) prevent the proper execution of the Payment Instruction.

Zelle^® tag. The Zelle^® Payment Service may include functionality for you to use a unique alpha-numeric identifier to your registered User profile to be used in lieu of your phone number or email address when sending, receiving, or requesting money, which will be your “Zelle^® tag.” Each Zelle^® tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle^® tags you may use. Your Zelle^® tag must meet the Content Standards. You may not select a Zelle^® tag that misleads or deceives other Users of the Zelle^® Payment Service as to your identity, or otherwise. Although neither we nor Zelle^® have any obligation to monitor User Zelle^® tags, both we and Zelle^® have absolute discretion to remove a User Zelle^® tag at any time and for any reason without notice. We and Zelle^® may require you to change your Zelle^® tag in our sole discretion, and we may elect to make a Zelle^® tag unavailable to you, without any liability to you. We and Zelle^® may also monitor User Zelle^® tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle^® Payment Service, you may be exposed to a Zelle^® tag that is offensive, indecent, or objectionable. We and Zelle^® are not responsible for, and assume no liability, for any User Zelle^® tags, including any loss or damage caused thereby. We and Zelle^® make no representation or warranty that a User Zelle^® tag accurately identifies a particular User of the Zelle^® Payment Service. We respect the intellectual property of others and require that users of the Zelle^® Payment Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish content on the Zelle^® Payment Service that is subject to intellectual property rights claims.

Sending Payments. You may send money to another User at your initiation or in response to that User’s request for money. When you send money to another User, you may initiate (a) a one-time Payment Instruction to a Receiver for which processing shall be initiated at a later specified date up to one (1) year, and (b) a recurring series of Payment Instructions to a Receiver for which processing shall be initiated on the specified dates. Further details about each of these options can be found on the Site. These Payments will be subject to this Agreement, and your express authorization at the time of the transaction for us or another Network Financial Institution to initiate a debit entry to your account. You understand that when you initiate sending money using the Payment Services and a payment has begun processing, it cannot be edited or canceled. One-time payments that process immediately cannot be edited or canceled. You may only edit or cancel a one-time future dated payment or recurring payment until the payment begins processing. As to the Zelle^® Payment Service, if the person you sent money to has already enrolled with Zelle^®, the money is sent directly to their bank account and may not be canceled or revoked. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver not enrolling in Zelle^®.

For Zelle^® Payment Service payments, as to recipients who have not yet enrolled with Zelle^®, you acknowledge and agree that when we begin to process the Payment Instruction we will debit funds from your Eligible Transaction Account immediately, but we will only begin processing the requested transfer of funds to the Receiver once the Receiver has provided all required information, and you hereby authorize and direct us to retain such funds until the earlier of such time as the Receiver has provided all required information or fourteen (14) days have elapsed. You further acknowledge and agree that our receipt of money to be transmitted to a Receiver shall not be deemed to have occurred and our obligation to complete a Payment Instruction shall not begin until such time as the Receiver provides us with (or we otherwise obtain) all required information necessary to process the related Payment Instruction in accordance with this Agreement.

Payment Instructions initiated to Receivers require you to provide contact information about the Receiver (including an email address, mobile telephone number, and/or Zelle^® tag). If the Receiver maintains an Eligible Transaction Account with a Network Financial Institution and has not yet enrolled in Zelle^®, then the Zelle^® Payment Service will contact the Receiver regarding enrollment in Zelle^® and receipt of payment (a “Two Step Transfer”). If the Receiver has already enrolled in Zelle^®, then the Receiver will receive a message regarding your payment,

Via the Other Payment Services, we also support the sending of money to Receivers if you provide the Eligible Transaction Account information for the Receiver and other contact information for the Receiver; such transactions are not sent via Zelle^®. You acknowledge and agree that if your Payment Instructions identify an account by name and account number, the relevant financial institution may execute those Payment Instructions by reference to the account number only, even if such account number does not correspond to the account name. You further acknowledge and agree that financial institutions holding the account may choose to not investigate discrepancies between account names and account numbers. We have no responsibility to investigate discrepancies between account names and account numbers, outside of our obligations under the law to investigate errors.

Generally, when you are sending money to another User using the Zelle^® Payment Service, the transfer will occur in minutes; however, there are circumstances when the Payment may take longer. For example, in order to protect you, us, Zelle^®, the other Network Financial Institutions, and other Zelle^®  users, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle^®, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand that a person to whom you are sending money and who is not enrolled as a User may fail to enroll with Zelle^®, or otherwise ignore the Payment notification, and the transfer may not occur. You agree that you as a Sender will not hold us liable for any damages resulting from a Receiver not enrolling in Zelle^®. The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we or Zelle^® delay or block a Payment that you have initiated, we will notify you via email to the designated email address within your Zelle^®  profile. Neither we nor Zelle^® have control over the actions of other Users or other Network Financial Institutions that could delay or prevent your money from being delivered to the intended User.

For the Other Payment Services and those Zelle^® Payment Service payments where the Site indicates payment will require more than a Business Day, you understand and agree that when you initiate a Payment Instruction from an Eligible Transaction Account, the processing of the Payment Instruction will begin and the debiting of your Eligible Transaction Account will occur as early as the day of such initiation. You and the Receiver should not expect the Payment funds to be transferred into the Receiver’s Eligible Transaction Account any earlier than the next Business Day after you initiated the Payment Instruction. If you request a one-time Payment Instruction to be initiated on a specified date or a recurring series of Payment Instruction to be initiated on specified dates, then the processing of the Payment Instruction will begin on the specified date and the debiting of your Eligible Transaction Account will occur as early as the specified date(s). However, you and the Receiver should not expect the payment funds to be transferred into the Receiver’s Eligible Transaction Account any earlier than the next Business Day following the specified date. In addition, in the case of all Two-Step Transfers, the deposit of the Payment funds into the Receiver’s Eligible Transaction Account (even if debited or withdrawn from your Eligible Transaction Account) may be delayed if the Receiver has not enrolled in Zelle^®. The Site may contain additional information regarding the delivery of a payment to an Eligible Transaction Account.

All payments must be made through the Site and are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time. Receipt of payments may be made through the Site and are subject to the terms of this Agreement and applicable laws and regulations, in each case as in effect from time to time.

Receiving Payments; Money Transfers by Network Financial Institutions. All transfers of money to you shall be performed by a Network Financial Institution per the direction of that Network Financial Institution customer and at all times subject to the terms and conditions of the relevant service agreement between that Network Financial Institution and its customer, including without limitation any restrictions or prohibitions on permissible transactions. Once a User initiates a transfer of money to your email address, mobile phone number or Zelle^® tag enrolled with the Zelle^® Payment Service, you have no ability to stop the transfer. By using the Zelle^® Payment Service, you agree and authorize us to initiate credit entries to your enrolled account. If another person wants to initiate a Payment Instruction (including in response to a Zelle^® request for money, if applicable) using the Zelle^® Payment Service to an Eligible Transaction Account you hold, or, as applicable, if you as a Requestor want to initiate a request for money, he, she or your can do that from the Site or from an Eligible Transaction Account at a financial institution that participates in the Zelle^® Payment Service It is your responsibility to determine what, if any, taxes apply to the transactions you make or receive, and it is your responsibility to collect, report and remit the correct tax to the appropriate tax authority. We are not responsible for determining whether taxes apply to your transaction, or for collecting, reporting or remitting any taxes arising from any transaction.

For the Zelle^® Payment Service, most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle^® and the other Network Financial Institutions, we may need or Zelle^® may need additional time to verify your identity or the identity of the person sending the money. We or Zelle^® may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we or Zelle^® delay or block a payment that you have initiated through a request for money, we will notify you via email to the designated email address within your Zelle^® profile. If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment. We have no control over the actions of other Users, Zelle^®, or other Network Financial Institutions that could delay or prevent a transfer of money to you. You understand and agree that there may be a delay between the time you are notified of the pending Payment Instruction and the deposit of the payment funds into your Eligible Transaction Account, and you may be required to take additional steps to facilitate the deposit of the payment of funds into your Eligible Transaction Account, such as if we have questions regarding possible fraud in connection with the payment. You authorize the Sender, the financial institution which holds the Sender’s Eligible Transaction Account and us (including through the Site) to send emails to you and text messages to your mobile phone in connection with the Sender’s initiation of Payment Instructions to you, and, as a Receiver, you may receive requests for money, from others through the Zelle^® Payment Service.

In the event that funds are transferred into your Eligible Transaction Account as a result of a Payment Instruction and it is determined that such transfer was improper because it was not authorized by the sender, because there were not sufficient funds in the sender’s account, or for any other reason, then you hereby authorize us and our Service Providers to withdraw from your Eligible Transaction Account the amount of funds improperly transferred to you.

You agree that we will not be liable in any way for any payments that you may receive, regardless of whether you authorized the Sender to send them to you.

Requesting Payments. You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle^® guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle^® accept responsibility if the other User rejects or ignores your request, or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle^® may decide, in our discretion, that we will not send a reminder or repeat request to that User.

By accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Zelle^® Payment Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle^®, its owners, directors, officers agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney’s fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts. You agree to receive money requests from other Users, and to only send requests for legitimate and lawful purposes. Requests for money are solely between the Requestor and recipient and are not reviewed or verified by us or by Zelle^®. Neither we nor Zelle^® assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the Requestor. We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

If you initiate a request for money using the Zelle^® Payment Service, the applicable service fee will be deducted from Payments received by you from a Sender. No service fee will be charged if you as the Requestor do not receive any Payments from the individuals to whom the request is sent.

Payment Cancellation, Stop Payment Requests and Refused Payments.

Sender may only cancel a Payment Instruction until the payment begins processing. Sender may only stop a Payment Instruction at any time until the processing of the Payment Instruction into the Receiver’s Eligible Transaction Account has begun. Our ability to stop a Payment Instruction will depend on the manner in which the Payment Instruction was initiated, and whether the Payment Instruction to the Receiver’s Eligible Transaction Account has begun processing. Although we will make a reasonable effort to accommodate a stop payment request, we will have no liability for failing to do so. We may also require you to present your stop payment request in writing within fourteen (14) days after contacting us. If we charge you to stop the payment, then the charge for each stop payment will be the current charge as set out in our current fee schedule. Payments not claimed by a Receiver who has not enrolled in Zelle^® will be automatically cancelled by us fourteen (14) days after the processing of the Payment begins. We will, to the extent permitted by law, make reasonable attempts to return any unclaimed, refused, refunded, prohibited, or denied payment to your Eligible Transaction Account or use other reasonable efforts to return such Payment to you as permitted by law.

Payment Methods and Amounts. There are limits on the amount of money you can send or receive through our Payment Service. Your limits may be adjusted from time-to-time in our sole discretion. You may log in to the Site to view your individual transaction limits. We or our Service Provider also reserve the right to select the method in which to remit funds on your behalf through the Payment Service, and in the event that your Eligible Transaction Account is closed or otherwise unavailable to us the method to return funds to you.

Failed or Returned Payment Instructions. In using the Payment Service, you are requesting that we or our Service Provider attempt to make payments for you from your Eligible Transaction Account. If the Payment Instruction cannot be completed for any reason associated with your Eligible Transaction Account (for example, there are insufficient funds), the Payment Instruction may or may not be completed. In certain circumstances, our Service Provider may either advance funds drawn on their corporate account or via an electronic debit, and in such circumstances will attempt to debit the Eligible Transaction Account a second time to complete the Payment Instruction. In some instances, you will receive a return notice from us or our Service Provider. In each such case, you agree that:

1. You will reimburse us or our Service Provider immediately upon demand the amount of the Payment Instruction if the payment has been delivered but there are insufficient funds in, or insufficient overdraft credits associated with, your Eligible Transaction Account to allow the debit processing to be completed;
2. You may be assessed a late fee equal to one and a half percent (1.5%) of any unpaid amounts plus costs of collection by our Service Provider or their third-party contractor if the Payment Instruction cannot be debited because you have insufficient funds in your Eligible Transaction Account, or the transaction would exceed the credit or overdraft protection limit of your Eligible Transaction Account, to cover the payment, or if the funds cannot otherwise be collected from you. The aforesaid amounts will be charged in addition to any NSF charges that may be assessed by us, as set forth in your fee schedule from us (including as disclosed on the Site) or your account agreement with us. You hereby authorize us and our Service Provider to deduct all of these amounts from your designated Eligible Transaction Account, including by ACH debit. We or our Service Provider are authorized to report the facts concerning the return to any credit reporting agency.

We are not responsible for the performance, speed, or other acts or omissions of the Payment Networks that may be involved in the transmission of a payment. We shall not be obligated to comply with the Automated Clearinghouse (ACH) Rules in such recovery efforts or otherwise in connection with Payment Service payments unless the applicable transaction is transmitted through the ACH network. We are only responsible for delivery of the applicable Payment Instructions to the applicable Payment Network in the format required by the applicable Payment Network’s specifications.

Refused Payments. We reserve the right to refuse to pay any Receiver. We will attempt to notify the Sender promptly if we decide to refuse to pay a Receiver designated by the Sender. This notification is not required if you attempt to make a prohibited Payment under this Agreement.

Returned Payments. In using the Payment Service, you understand that Receivers may reject Payment Instructions or otherwise return payments only if the Receiver is not enrolled in Zelle^®. We will use reasonable efforts to complete Payment Instructions initiated through the Zelle^® Payment Service.

Receipts and Transaction History. You may view your transaction history by logging into the Payment Service and looking at your transaction history. You agree to review your transactions by this method instead of receiving receipts by mail.

Consent to Emails and Automated Text Messages. You represent that you are the owner of the email address, U.S. mobile phone number, Zelle^® tag, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, U.S. mobile phone number, Zelle^® tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle^®, from other Users that are sending you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Payment Service or related transfers between Network Financial Institutions and you. You agree that we may, Zelle^® may, or either of agents may, use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. In the case of any messages that you may send through either us or Zelle^®, or that we may send or Zelle^® may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. Emails or text messages that we send or that Zelle^® sends on your behalf may include your name. You will immediately notify us if any email address or mobile number you have enrolled or is used as a contact method for a Zelle^® tag (i) surrendered by you, or (ii) changed by you. Users of the Zelle^® Payment Service will receive text messages relating to their Payment Instructions and other notices from time to time if a mobile phone number is provided. You are responsible for any fees or other charges your wireless carrier may charge for any related data, text or other message services, including without limitation, for short message service (SMS). Please check your mobile service agreement for details or applicable fees, as message and data rates may apply. In the event your enrolled mobile device is lost or stolen, you agree to update your enrollment information and make the appropriate changes to disable the use of such device. Your phone service provider is not the provider of the Payment Service. Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle^®, including messages that you may send through us or through Zelle^® or that we may send or Zelle^® may send on your behalf. You understand that there are risks associated with using a mobile device, and that in the event of theft or loss, your confidential information could be compromised.

To cancel text messaging from us, send STOP to 767666. For help or information regarding text messaging, send HELP to 767666 or contact The Contact Center at 800-527-3932. You expressly consent to a receipt of a text message to confirm your “STOP” request.

Notices to You. You agree that we may provide notice to you by posting it on the OnPoint website, sending you an in-product message within the Payment Service, emailing it to an email address that you have provided us, mailing it to any postal address that you have provided us, or by sending it as a text message to any mobile phone number that you have provided us, including but not limited to the mobile phone number that you have listed in your Payment Service setup or customer profile. For example, users of the Payment Service may receive certain notices (such as notices of processed Payment Instructions, alerts for validation and notices of receipt of payments) as text messages on their mobile phones. All notices by any of these methods shall be deemed received by you no later than twenty-four (24) hours after they are sent or posted, except for notice by postal mail, which shall be deemed received by you no later than three (3) Business Days after it is mailed. By providing us with a telephone number (including a wireless/cellular, mobile telephone number and/or email address), you consent to receiving calls from us and our Service Providers at that number or emails from us for our everyday business purposes. You acknowledge and agree that such telephone calls include, but are not limited to, live telephone calls, prerecorded or artificial voice message calls, text messages, and calls made by an automated telephone dialing system from us or our affiliates and agents.

Privacy and Information Authorization. You consent to our disclosure of your personal information (including bank account information) to Zelle^®, other Network Financial Institutions and other third parties as necessary to complete Payment transactions in accordance with our customary processes and procedures. You agree that we reserve the right to request a review of your credit rating at our own expense through an authorized bureau. In addition, and in accordance with our Privacy Policy, you agree that we reserve the right to obtain personal information about you, including without limitation, financial information and transaction history regarding your Eligible Transaction Account. You further understand and agree that we reserve the right to use personal information about you for our and our Service Providers’ everyday business purposes, such as to maintain your ability to access the Payment Service, to authenticate you when you log in, to send you information about the Payment Service, to perform fraud screening, to verify your identity, to determine your transaction limits, to perform collections, to comply with laws, regulations, court orders and lawful instructions from government agencies, to protect the personal safety of subscribers or the public, to defend claims, to resolve disputes, to troubleshoot problems, to enforce this Agreement, to protect our rights and property, and to customize, measure, and improve the Payment Service and the content and layout of the Site.

If you access the Payment Service through our online or mobile services, the information we and Zelle^®, as our Service Provider, gather is governed by our Privacy Policy. If you access Zelle^® directly, including using the Zelle^® app, the information that Zelle^® gathers from you will be handled in accordance with Zelle^®‘s Privacy Policy, which is available at https://www.Zelle^®pay.com/legal-and-privacy.

By providing us with names, mobile telephone numbers, email addresses, and/or Zelle^® tags of Receivers to whom you wish to direct payments, you authorize us to follow the Payment Instructions that we receive through the Zelle^® Payment Service. By providing us with names, bank account information and other contact information for Receivers to whom you wish to direct a payment via the Other Payment Service, you authorize us to follow the Payment Instructions that we receive via the Other Payment Services. Once enrolled, you authorize us to credit your Eligible Transaction Account for payments remitted to you on behalf of a Sender without further approval from you.

Mobile Subscriber Information. You authorize your wireless carrier to disclose information about your account, such as subscriber status, payment method and device details, if available, to support identity verification, fraud avoidance and other uses in support of transactions for the duration of your business relationship with us. This information may also be shared with other companies to support your transactions with us and for identity verification and fraud avoidance purposes.

Device Data. We may share certain personal information and device-identifying technical data about you and your devices with third party service providers, who will compare and add device data and fraud data from and about you to a database of similar device and fraud information in order to provide fraud management and prevention services, which include but are not limited to identifying and blocking access to the applicable service or Web site by devices associated with fraudulent or abusive activity. Such information may be used by us and our third party service providers to provide similar fraud management and prevention services for services or Web sites not provided by us. We will not share with service providers any information that personally identifies the user of the applicable device.

Service Fees and Additional Charges. You are responsible for paying all fees associated with your use of the Payment Service as set forth on our Fee Schedule. Additional fees may apply for small business Users enrolled in Zelle^® Small Business.

Acceptable Uses. You agree to receive requests for money from other Users, and to only send requests for money for legitimate and lawful purposes. Payment requests are solely between the Requestor and recipient and are not reviewed or verified by us or by Zelle^®. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Payment Service, regardless of the purpose of the use, and for all communications you send through the Payment Service. We and our Service Providers have the right but not the obligation to monitor and remove communications content that we find in our sole discretion to be objectionable in any way.

Prohibited Uses or Payments. You agree that you will not use the Zelle^® Payment Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Zelle^® Payment Service any material that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle^®, as determined by Zelle^® in its sole discretion; or (f) in Zelle^®’s or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Zelle^® Payment Service, or which may expose us, Zelle^® or our respective affiliates or customers to harm or liability of any nature (“Content Standards”).

Although neither we nor Zelle^® have any obligation to monitor any content, both we and Zelle^® have absolute discretion to remove content at any time and for any reason without notice. We and Zelle^® may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Zelle^® Payment Service, you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle^® are not responsible for, and assume no liability, for any content, including any loss or damage to any of your content. We and Zelle^® make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Zelle^® Payment Service.

You agree that you will not use Payment Service to send money to anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and you agree that you will not use the Payment Service to request money from anyone for any such payments. You agree that you will not authorize a third party to use the Payment Service or share your credentials with a third party to use the Payment Service on your behalf except in legally authorized situations such as legal guardianship or pursuant to a power of attorney. Zelle^® and we reserve the right to terminate, suspend, or limit your access to or use of the Zelle^® Payment Service at any time and without prior notice, including for reasons involving your use of the Zelle^® Payment Service at any Network Financial Institution which may be deemed to be illegal, improper, brand damaging or potentially exposing us, Zelle^®, or the financial system to risk. Other than with respect to small business Users enrolled in Zelle^® Small Business, the Payment Service is intended for personal, not business or commercial use. You may not use the Payment Service to request money for the Payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Payment Service for any unlawful purpose, and other than with respect to Zelle^® Small Business, for use with your business account or to receive business or commercial payments.

The following Payments are prohibited through the Payment Service, and we may block, cancel or reverse such Payments: (1) Payments to or from persons or entities located outside of the United States; (2) Payments that violate any federal or state law or for products, services or purposes that are unlawful or we deem offensive or inappropriate, and (3) Payments that otherwise violate this section. We may terminate or suspend your ability to send payment requests if we deem such payment requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient, or if we believe you are using the Payment Service in a manner that exposes us or Zelle^® to liability, reputational harm or brand damage.

We may determine other eligibility criteria in our sole discretion.

Wireless Operator Data. You acknowledge that we or Zelle^® may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Payment Service. By using the Zelle^® Payment Service, you authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Zelle^® or its service providers for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

Your Liability for Unauthorized Transfers for Consumer Accounts. For consumer accounts, immediately following your discovery of an unauthorized Payment Service Payment Instruction, you shall communicate with us by visiting one of our branches or communicating with our Contact Center, including by calling 800-527-3932. You acknowledge and agree that time is of the essence in such situations. The best way to minimize your loss is to call us immediately. You will have no liability for unauthorized transactions if you notify us within sixty (60) days after your monthly financial institution statement which shows the unauthorized transaction has been sent to you. If you do not tell us within sixty (60) days after the statement which shows the unauthorized transaction was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we will extend the time periods specified above to a reasonable period.

When you give someone your password or other means to access your account through which you access the Payment Services, you are authorizing that person to use your service, and you are responsible for notifying us if that person is no longer authorized to access your account.

These liability rules only apply to Eligible Transaction Accounts used for personal, family and household purposes. These liability rules do not apply to Zelle^® Small Business functionality and users.

Liability. Neither we nor Zelle^® shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle^® to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle^® shall be liable for any typos or keystroke errors that you may make when using the Zelle^® Payment Service. THE ZELLE^® PAYMENT SERVICE SHOULD NOT BE USED TO SEND MONEY TO PERSONS OTHER THAN FAMILY, FRIENDS OR THOSE YOU TRUST AS ZELLE^® PROVIDES NO PURCHASE PROTECTION FOR YOUR AUTHORIZED PAYMENT FOR GOODS OR SERVICES (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Disclaimer of Warranties. EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE FEDERAL AND STATE CONSUMER PROTECTION LAWS, NEITHER WE NOR ZELLE^® MAKES ANYEXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE^® PAYMENT SERVICE, WE AND. ZELLE^® EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE ZELLE^® PAYMENT SERVICE. SUBJECT TO APPLICABLE FEDERAL AND STATE CONSUMER PROTECTION LAWS, NEITHER WE NOR ZELLE^® WARRANT THAT THE ZELLE^® PAYMENT SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE ZELLE^® PAYMENT SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

Limitation of Liability. EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE FEDERAL AND STATE CONSUMER PROTECTION LAWS, IN NO EVENT WILL WE, ZELLE^®, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE ZELLE^® PAYMENT SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE ZELLE^® PAYMENT SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE ZELLE^® PAYMENT SERVICES DESCRIBED OR PROVIDED, EVEN IF WE OR ZELLE^® HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE^® PAYMENT SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ZELLE^® PAYMENT SERVICES.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF OURS, ZELLE^®, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

Indemnification. You acknowledge and agree that you are personally responsible for your conduct while using the Zelle^® Payment Service and except as otherwise provided in this Agreement and except as prohibited under applicable federal and state consumer protection laws, you agree to indemnify, defend and hold harmless Zelle^®, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney’s fees, resulting from or arising out of your use, misuse, errors or inability to use the Zelle^® Payment Service, or any violation by you of the terms of this Agreement.

Service Termination, Cancellation or Suspension. You or any other party to your account can terminate this Agreement by notifying us in writing. Any payment(s) that have begun processing before the requested cancellation date will be processed by us. You agree that we may terminate, suspend, or limit your access to or use of the Payment Service at any time and without prior notice for any reason or no reason. Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.

Amendments. Except as otherwise required by law, we may in our sole discretion change the terms of this Agreement at any time. This may include adding new or different terms to, or removing terms from, this Agreement, and making changes to the Payment Service. If we make changes to this Agreement, we will update this Agreement within online and mobile banking and we may notify you of such changes by mail or electronic message to your most recent addresses listed on our records. Within the time frames required by the effective date of the notice, we may also notify you (1) upon login to the Payment Service or (2) by providing notice on our website if permitted by applicable law. The notice will be posted or sent at least 21 days in advance of the effective date of any additional fees, 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. By using the Payment Service when such changes become effective, you agree to be bound by the revised terms and conditions contained in this Agreement. You can decline the changes by discontinuing use of the Payment Service. Changes to fees or terms applicable to Eligible Transaction Accounts are governed by the account agreement otherwise governing the applicable account. Except as otherwise required by law, any change to this Agreement applies only to transactions that occur, or claims that arise, after the amendment becomes effective.

Enforcement. You agree to be liable to us for any liability, loss, or expense as provided in this Agreement that we incur as a result of any dispute involving your accounts or services. You authorize us to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the state of Oregon as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled to, subject to Oregon law, payment by the other party of its reasonable attorneys’ fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.

Definitions.

“Eligible Transaction Account” is a deposit account from which your Payments or service fees will be debited or to which Payments and credits to you will be credited, which is eligible for the Payment Service.

“Network Financial Institutions” means financial institutions that have partnered with Zelle^®.

“Payment Instruction” is the information provided for a Payment to be made under the Payment Service.

“Payment Network” means a debit or credit network (such as the ACH Network or ACCEL / Exchange Payment network) through which funds may be transferred.

“Receiver” is a person or business entity that is sent a Payment Instruction.

“Requestor” is a person that requests an individual to initiate a Payment Instruction through the Payment Service.

“Sender” is a person or business entity that sends a Payment Instruction.

“Site” refers to the Payment Service location, accessed through OnPoint’s digital banking portal.

“Zelle^® Small Business” means functionality, to the extent made available by us, which enables a small business User to (i) send requests for money through the Zelle^® Payment Service, and (ii) send and receive Payment Instructions through the Payment Service. Users that access the Payment Service through a business account shall be classified as Zelle^® Small Business Users. Zelle^® Small Business is included in the definition of “Zelle^® Payment Service”.

“Zelle^® tag” means a unique alpha-numeric identifier you create and add to your registered User profile to be used in lieu of your phone number or email address when sending or receiving money.

Zelle^® and Zelle^® related marks are wholly owned by Early Warning Services, LLC.