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Mobile Banking Terms and Conditions

Thank you for using Level One Bank Mobile Banking combined with your handheld's text messaging capabilities. Message & Data rates may apply. For help, text "HELP" to 99588. To cancel, text "STOP" to 99588 at any time. In case of questions please contact customer service at 888-880-5663 or 248-737-0300 or visit www.levelonebank.com.

Program:  Level One Bank offers their customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS, as well as the option to set up alerts for their accounts (e.g., low balance alerts).  Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number.  The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website.  Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer.  This program will be ongoing.  Message & Data rates may apply.  Customers will be allowed to opt out of this program at any time.

Questions:  You can contact us at 888-880-5663 or 248-737-0300, or send a text message with the word "HELP" to this number: 99588. We can answer any questions you have about the program.

To stop the program:  To stop the messages from coming to your phone, you can opt out of the program via SMS.  Just send a text that says "STOP" to this number: 99588.  You'll receive a one-time opt-out confirmation text message.  After that, you will not receive any future messages.

Terms & Conditions: By participating in Mobile Banking, you are agreeing to the terms and conditions presented here.  Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless.   Mobile Banking and any software you may obtain from Mobile Banking (“Software”) may not be available at any time for any reason outside of the reasonable control of Level One Bank or any service provider.

Privacy and User Information:  You acknowledge that in connection with your use of Mobile Banking, Level One Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”).  Level One Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you.  Level One Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.

Restrictions on Use:  You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations.  Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate:  (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Level One Bank (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Level One Bank or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancel bots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Level One Bank, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party.  You agree that you will not attempt to:  (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.

Use of Google Maps:  You agree to abide by the Google terms and conditions of use found at http://maps.google.com/help/terms_maps.html  and the Google Legal Notices found at https://www.google.com/help/legalnotices_maps.html, or other URLs as may be updated by Google.

Limitations of Terms and Conditions:  These Terms and Conditions are solely for download and usage of the Mobile Banking services.  This Mobile Banking app is only available for consumer online banking customers. Some services within Level One Bank Mobile Banking require additional acknowledgement of the services terms of usage and (if applicable) acknowledgement of any applicable fees and service charges.  Please contact a Level One Bank representative at 888-880-5663 or 248-737-0300 for additional information regarding the additional services and any fees associated with its usage.   

Mobile Deposit Addendum

Features and Services - Mobile Deposit is a service offered through Level One Mobile Banking for increased convenience of check deposits.  Mobile Deposit allows the deposit of checks into certain accounts with use of a mobile device camera and the Level One Bank Mobile Application or “Mobile App”.  Using Mobile Deposit requires consumers to be a Level One Bank account holder and to have agreed to any applicable terms and conditions presented by the Bank.

Mobile Deposit is available to consumer online banking customers with the mobile application and requires Bank approval.  Effective May 1, 2014, a consumer account must be established and in good standing, at minimum, 60 days to obtain Mobile Deposit.  Access may be denied or deactivated at any time. Level One Bank has the right to modify, add, or remove portions of this service or end the service at any time without notice for suspected fraud, misuse, excessive overdrafts or returned items or for any other reasons based upon their sole discretion.  Mobile deposit users will see the “deposit” option when using mobile banking.

Deposit Limits - Mobile deposits are limited to a maximum of $2,500.00 per item and/or a maximum of $2,500.00 per day.  Items and/or deposits over these set limits will be rejected through Mobile Deposit but may be brought to a Banking Center for review and processing.  Level One Bank may establish limits on the number of checks or the total amount of checks deposited using Mobile Deposit.  These limits may change from time to time without notice to the account holder.  Mobile deposits within the item deposit limit and daily deposit limit will be electronically transmitted to the Bank for review, approval and processing.

Types of Checks - Only checks can be deposited using Mobile Deposit, however, there are some checks that cannot be deposited.  These include:  checks payable to any person or entity other than the account holder, checks containing any alteration which may be fraudulent or not authorized by the account owner on which the check is drawn, any checks that are not in original form with a signature, such as substitute checks or remotely created checks, and checks written off an account at a financial institution located outside the United States and/or not payable in United States currency.

Note that any check deposit received through Mobile Banking is subject to verification by Level One Bank.  An item may be rejected for deposit for any reason and Level One Bank will not be liable to the account holder.  In such a case, the item can be deposited using other means, such as visiting a Level One Banking Center.

Availability of Funds - Deposits made and accepted by the Bank through Mobile Deposit will generally be available the second business day after the day they have been approved and accepted by the Bank for processing.  Any delays in processing, once the items have been reviewed and accepted, would be due to emergencies such as failure in communications or computer equipment.  Due to these exceptions outside of Bank control, it is the responsibility of the account holder to review the account history to ensure the deposits have been accurately posted and available in the account prior to usage of the funds.

Cut off Times for Deposits - Mobile deposits are subject to processing time limitations and Bank review and approval prior to crediting to the account.  The cutoff for deposits is 4:00 pm E.S.T during normal business days.  Business days consist of Monday through Friday, with the exclusion of Federal Holidays, unless posted otherwise at the Banking Center.  If a deposit is made before 4:00pm E.S.T on a business day, that day will be considered the day of your deposit.  However, if a deposit is made after 4:00pm E.S.T, the following business day will be considered the day of deposit.

Destruction of Original Checks - Checks must be retained by the account holder until they have reviewed the account history to ensure the transaction was approved and accurately credited to the account.  Once a check has been deposited successfully, we recommend storing the check in a secure location for 14 days.  After 14 days and after confirmation that the deposited funds have been applied to the account correctly, the check should be destroyed.  Destruction prevents the item from being presented for deposit at another time.  Shredding is one way of destruction.  The account holder is liable for checks that are presented more than once.

Rejected Deposits - Deposits may be rejected at the Bank’s sole discretion. Rejected deposits are those not approved and accepted by the Bank and will not be submitted for processing.  It is the responsibility of the account holder to review the account history to ensure the deposits have been accurately posted prior to usage of the funds.  Reasoning for rejected deposits will not be available through Mobile Banking and/or Mobile Deposit, however, they include, but are not limited to, the following:

  1. )   Missing full endorsement
  2. )   Endorsement does not match the payee
  3. )   Check payee does not match the customer name on file
  4. )   Check previously returned NSF
  5. )   Amount entered and/or numeric amount does not match the written value
  6. )   Check cashed and/or deposited via another method of negotiation
  7. )   Previous checks returned unpaid on account
  8. )   Overdrawn account repeatedly within the past 6 months
  9. )   Erasures or alterations on the check
  10. )   Check postdated or stale date
  11. )   Confidential information check may not be paid

A rejected deposit item must be brought to a Banking Center for review and processing.  Deposits brought to a Banking Center are not guaranteed for immediate availability and are fully subject to the previously disclosed Funds Availability Policy. 

Errors - The account holder is responsible for notifying Level One Bank of any errors (or suspected errors) related to the items deposited through Mobile Deposit as soon as possible after they occur, and in no event later than 60 days after the Level One Bank statement is sent.

For additional questions regarding Mobile Deposit please contact your nearest Banking Center or call us toll free at 888-880-5663.

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