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Citizens Bank Deposit Agreement

This means that a deposit made after the cut-off or non-business days is displayed as a pending verification, is scheduled for the next business day, and does not appear in your account history for two business days. If you have made direct deposits to your account at least once every 60 days from the same company, person or government authority, the party making the transaction will report this each time they send us the money. You can also find out whether or not the deposit has been made by checking your account with one of our online banking services or by calling us via the toll-free number indicated in the “Banking Contacts” section. The use of a facsimile signature (by stamp or other mechanical means) serves exclusively your comfort and usefulness. You authorize us to pay to your account for items that purport to bear a facsimile signature, regardless of who affixed the fax signature to the item or the circumstances of the use of the facsimile signature, even if it was made by an unauthorized person or with a false facsimile. We may also accept fax signatures as mentions of items to be paid for by you that are cashed or deposited into your account. You are solely responsible for maintaining the security of a fax signature device. Nothing in this Agreement shall be construed to limit any rights or defenses available to us, or any warranty, indemnification or liability imposed on you in accordance with applicable federal or federal state laws or regulations or separate agreements that apply to your accounts. You agree that you may be subject to the provisions of this Agreement and all rules, warranties and indemnities provided by the Single Commercial Code and other state or federal laws regarding deposited checks and items, regardless of the form (electronic or paper) in which the deposited check or item is processed for payment and withdrawal. . . .

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