Terms & Conditions

Welcome to Columbia OnLine for Business™ Internet Banking! Your use of Columbia OnLine
for Business™ and our Site is subject to all of the terms and conditions contained in this
online agreement (the “Agreement”). Please read the Agreement carefully before proceeding,
as your use of Columbia OnLine for Business™ constitutes your acknowledgement of and
agreement to all of its terms and conditions.
I. SERVICES
1. Services Available. Using Columbia OnLine for Business™, you will be able to do the
following:
• View account balances, detail and history
• Inquire on paid checks by number, amount or date
• Retrieve electronic check images
• Transfer funds between Columbia Bank accounts
• Export history to personal finance software (QuickBooks)
• Bill Pay upon enrollment
Additional Services Available to Businesses:
• Participate in cash management services (ACH Origination), including
- Direct deposit of payroll
- Electronic Tax Payments
- Electronic funds collections
- Electronic funds disbursement
• Originate Domestic and International wire transfer requests
Services may change from time to time.
2. Requesting Transfers between Accounts on Columbia OnLine for Business™. If
transferring funds between accounts, your request is considered accepted by us when we
process it.
3. Bill Payment Service.
a. Generally. The Columbia OnLine for Business™ Bill Payment Service allows you to
schedule the payment of your bills from a checking account. You may pay merchants or
individual payees within the United States through the Bill Payment Service. By furnishing us
with the names of your payees and their addresses, you authorize us to follow the payment
instructions to these payees that you provide us via Columbia OnLine for Business™.
Payments may be made either electronically or by paper draft, depending upon the payee’s
ability to receive electronic payments. When we receive a payment instruction from you
(for the current or future date, and provided you have sufficient available funds in your
account), we will process that instruction and withdraw the funds from your Account on
the day you specified in your instruction (“Payment Date”). Some payees have special
processing requirements for receiving payments, and some may require that your payment
be accompanied by a coupon or additional information concerning your accounts with such
payee. It is your responsibility to determine each payee’s specific payment requirements.
We will not be liable for any delays in processing or miss-posting by such payees where a
payment fails to meet such requirements.
b. You Must Allow Sufficient Time for Payment. Payments using Columbia OnLine for
Business™ require sufficient time for delivery and for your payee to credit your account
properly. To avoid incurring a finance or other charge, you must schedule a payment
sufficiently in advance of the date you want your payment to arrive:
FOR ELECTRONIC PAYMENTS, WE RECOMMEND THAT YOU SCHEDULE THE PAYMENT TO
BE MADE AT LEAST THREE (3) FULL BUSINESS DAYS PRIOR TO THE DATE YOU WANT YOUR
PAYMENT TO ARRIVE AT YOUR PAYEE. FOR PAPER DRAFT PAYMENTS, WE RECOMMEND
THAT YOU SCHEDULE THE PAYMENT TO BE MADE AT LEAST FIVE (5) FULL BUSINESS DAYS
PRIOR TO THE DATE YOU WANT YOUR PAYMENT TO ARRIVE AT YOUR PAYEE.
c. Canceling Payments. You have the right to cancel or change any scheduled payment.
You must cancel the payment before the cut off time posted on the Pay Bills screen, on the
Payment Date by following the instructions on Columbia OnLine for Business™ (on the “View
Postings screen). Note that when you cancel a recurring payment, you are canceling all
future payments as well.
d. Late or Incorrect Payments. If we do not properly send a Bill Payment on time or in the
correct amount, we will pay any reasonable late fee or finance charge (as long as your
Account was in good standing with the payee prior to the incident) incurred with respect
to the particular obligation not correctly paid which is directly caused by such failure. We
will also be liable to you if we fail to cancel a payment pursuant to your timely and proper
order to do so. We will not be responsible for any charges imposed or any other action taken
by a payee resulting from a payment that you have not scheduled properly, including any
applicable finance charges and late fees.
e. Recurring Bill Payments. Recurring bill payments are payments for the same amount made
every week, every two weeks, every month, the last day of every month, etc. Recurring
bill payments will be made automatically with no additional action taken by the user, until
canceled by the user through Columbia OnLine for Business™.
f. Enrollments. ACH Columbia OnLine for Business™ customers will have an Organization
ID, User ID and password. Because Columbia OnLine for Business™ can recognize only
one Login ID and Password for each Transaction, any one Authorized User can effect a
Transaction, even if the Account ordinarily requires two signatures for a paper check. We will
not be liable for transactions effected by a single Authorized User with respect to such an
Account. Please see Article II, Section 3 for more information about your liability concerning
password use and security.
4. E-Mail.
a. Uses. We recommend that you do not use the Columbia OnLine for Business™ e-mail
function for communication that is time sensitive, such as placing stop payments, making
funds transfers, reporting lost or stolen debit or credit cards or checks, or reporting an
error on your account. If you send us a message using e-mail, we will receive it by the
following business day. You agree that we may take a reasonable period of time to act on any
message. You further agree not to use e-mail for communicating any information or material
which is, in our opinion, obscene, defamatory or otherwise objectionable.
b. E-mail is Not Secure. E-mail transmissions are not secure. You must not send us or ask for
sensitive information via any general or public e-mail system.
c. Responses by E-mail. You agree that the Bank may respond to you by e-mail with regard
to any non-confidential matter related to Columbia OnLine for Business™ services. Any
such message we send you shall be considered received within three days of the date sent,
regardless of whether you check your e-mail messages within that time frame.
5. Charges. There is a service charge for using Columbia OnLine for Business™. Please
refer to your Cash Management Services Agreement. This is a monthly charge, regardless of
whether or not you use Columbia OnLine for Business™. You may select a primary checking
account for billing. You agree to be responsible for any telephone charges and Internet
service provider charges you incur using Columbia OnLine for Business™.
6. Recording and Records. If our records about a Transaction are different from your records,
our records will govern. Our “records” include our written, computerized and mechanized
records and any authorization and instructions received about any Transaction.
7. Account Statements and Error Resolution. All Transactions completed on Columbia
OnLine for Business™ will appear on your periodic account statement. Please refer to the
Deposit Account Agreement for rules applicable to account statements. If you think your
statement is wrong or if you need more information about a Transaction, please see the Error
Resolution Notice in this Agreement for the proper procedures to follow.
8. Service Interruptions. Columbia OnLine for Business™ may be unavailable at certain
times when computer systems require maintenance or upgrades, unforeseen maintenance
is necessary, or major events occur, such as earthquakes, fires, floods, computer failures,
interruptions in telephone service, or electrical outages. We will make all reasonable efforts to
ensure the availability of Columbia OnLine for Business™. However, we are in no way liable
for the unavailability of all or any portion of Columbia OnLine for Business™.
9. Termination of Columbia OnLine for Business™. We reserve the right to terminate your
use of Columbia OnLine for Business™ at any time and for any reason. If you should wish to
cancel Columbia OnLine for Business™, you must cancel all transactions scheduled using
Columbia OnLine for Business™ prior to canceling your enrollment. We will not be liable for
any transactions made consistent with a request that you have not cancelled.
II. SECURITY PROCEDURES
1. Your Role. Your role is extremely important in the prevention of any wrongful use of
your Account. You must promptly examine your statement upon receipt. If you think your
Statement is wrong or if you need more information about a transaction, please see the Error
Resolution Notice appearing in the Electronic Funds Transfer and Disclosure section of this
agreement for the proper procedures to follow.
COLUMBIA ONLINE FOR BUSINESS™ INTERNET BANKING
TERMS AND CONDITIONS
2. Protect Personal Information. In addition to protecting your Columbia OnLine for
Business™ Organization ID, User ID, password and other account information, you should
take precautions to protect your personal identification information, such as your driver’s
license, Social Security Number, and the like. This information by itself or together with
information on your account may allow unauthorized access to your account(s). It is your
responsibility to protect personal information with the same level of care that you protect your
account information
3. Password. You will have an Organization ID, User ID and an online password that will
give you access to your bank accounts through Columbia OnLine for Business™. We are
entitled to act on any instructions we receive under your password. For security purposes, it
is recommended that you memorize your password and do not write it down. You can further
protect your password by:
• Avoiding the use of common series, such as, your date of birth or street address.
• Changing it regularly or if you ever suspect someone may know it.
• Selecting a password that has both numbers and letters in it. The password field is
also case sensitive, so letters will always have to be typed the same way, in UPPER or
lower case. You may use these requirements to make your password difficult to guess.
You are responsible for keeping your password and account data confidential. Your use
of your password will be considered the same as your written signature in authorizing
us to complete any Transactions you may request. Any person to whom you give
your password will have full access to your accounts, and you assume all risk of loss
resulting from any such access.
4. Encryption. Data transferred via Columbia OnLine for Business™ is encrypted in an effort
to provide transmission security, Notwithstanding our efforts to ensure that Columbia OnLine
for Business™ is secure, you acknowledge that the Internet is inherently insecure and
that all data transfers, including e-mail, occur openly on the Internet and potentially can be
monitored and read by others. We cannot and do not warrant that all data transfers utilizing
Columbia OnLine for Business™ or e-mail transmitted to or by us will not be monitored or
read by others.
5. Additional Security Procedures. We may from time to time use reasonable additional or
alternative procedures to ensure the security and confidentiality of your financial records and
transactions using Columbia OnLine for Business™. Such procedures may include, without
limitation, encryption, creating security firewalls in our computer systems and implementing
other commercially reasonable security procedures. At all times you agree to comply with
all security procedures we may impose in connection with your use of Columbia OnLine for
Business™. You agree that all security procedures used by us, our affiliates and agents
in connection with Columbia OnLine for Business™ are commercially reasonable security
procedures and, as a result, you assume all risk of loss for unauthorized transactions where
we have followed our then current security procedures. You acknowledge that we reserve the
right to change the security procedures from time to time upon notice to you (if such notice
is required by law), and furthermore agree that your continued use of any such changed
procedures evidences your acceptance of and agreement to the commercial reasonableness
of such changed procedures.
6. Duty of Reasonable Care. We will exercise good faith and reasonable care in processing
your transactions. You will similarly exercise good faith and reasonable care in observing
and maintaining security procedures, in communicating with us and in reviewing account
statements for any errors or discrepancies.
III. GENERAL TERMS AND CONDITIONS
1. Definitions. Throughout this Agreement, the words “you,” and “your” refer to each person
who is listed on our records as an owner of the Account who has signed our then-current
enrollment form. “We,” “us” and “our” mean Columbia State Bank. “Authorized User” means
you or any other person who either (i) is actually authorized by you to use Columbia OnLine
for Business™ , or (ii) accesses Columbia OnLine for Business™ using your Columbia
OnLine for Business™ user ID and password, whether or not such person has actual
authority to do so. “Account” means your primary checking account as described under
Article I, Section 5 of this Agreement or any other account accessible through Columbia
OnLine for Business™. “Business Day” means Monday through Friday, except for legal
holidays. “Transaction” means any transaction requested using Columbia OnLine for
Business™. “Site” means our Internet website.
2. Terms of Agreement. You agree to the rules in this Agreement every time your user ID
and password is used to access Columbia OnLine for Business™. Where there is a conflict
between one or more provisions in this Agreement and the provisions in any other applicable
agreement, the provisions in this Agreement will control. Your use of Columbia OnLine
for Business™ is also subject to the rules and regulations applicable to your Account as
described in the Deposit Account Agreement, any other agreements applicable to services
available on Columbia OnLine for Business™, the rules and regulations of any funds transfer
system to which the bank belongs, and applicable state and federal laws and regulations, all
of which shall constitute the complete agreement between you and us.
3. Electronic Funds Transfer Act. This Agreement applies to personal accounts and business
accounts, unless an exception is noted. Because personal accounts may be subject to the
Electronic Funds Transfer Act (“EFTA”), some personal accounts will be governed both by the
rules of the EFTA and this Agreement. If the EFTA applies to an account and there is a conflict
between the rules of the EFTA and this Agreement, the EFTA’s provisions will control. Please
see the Electronic Funds Transfers Agreement and Disclosure section of this Agreement for
the special rules applicable to such personal accounts.
4. Limitations. The features of Columbia OnLine for Business™ are limited to the extent, and
subject to the terms noted below.
a. Limits on Transfers. Your ability to transfer funds between certain accounts is limited by
federal law, as described in the Deposit Account Agreement. For example, you can make no
more than six (6) transfers from a savings or Market Trend account during each statement
period, and in the case of a Market Trend account, no more than three (3) of such transfers
may be made by check, draft, Columbia Cash Card, Columbia Check Card or similar order
made by you and payable to a third party. Transfers and bill payments made using Columbia
OnLine for Business™ are counted against the permissible number of transfers, as are the
other transfer methods described in the Deposit Account Agreement.
5. Changes in Service Charges, Terms. We reserve the right to change the service charges,
or other terms described in this Agreement. When changes are made to any service charges,
or other material terms we will update this Agreement and if required by law, either send
a notice to you at the address shown on our records, or send you an e-mail message.
For changes involving additional service charges for online transactions, stricter limits on
the type, amount or frequency of transactions, or any increase in your responsibility for
unauthorized transactions, such notice will be posted or sent at least thirty (30) days in
advance of the effective date of any change, unless an immediate change is necessary to
maintain the security of the system. If such an immediate change is made, and it can be
disclosed without jeopardizing the security of the system, we will provide you with electronic
or written notice within thirty (30) days after the change, if notice is required by law. You may
choose to accept or decline changes by continuing or discontinuing the accounts or services
to which these changes relate. We also reserve the option, in our business judgment,
to waive, reduce or reverse service charges in individual situations. Changes to service
charges applicable to specific accounts are governed by applicable account disclosures. We
also reserve the right to terminate the Site, make access unavailable, and change the Site
content, with or without reason or notice at any time.
6. License Grant and Use Restriction; Your Indemnification. The Site, including Columbia
OnLine for Business™, is intended to provide you with easy access to information about
us. We grant you a nonexclusive, revocable license to copy or print an unaltered permanent
copy of information from this Site only for your personal, non-commercial use. You may
not otherwise copy, modify, publicly distribute or display, perform, publish, license, create
derivative works from, transfer, or sell anything obtained from this Site. You agree that you
will not alter any Site information and will not use (or allow others to use) the Site or any
information obtained from it for any wrongful, unauthorized or unlawful purpose and agree
to indemnify and hold us and our affiliates harmless from and against any loss, damage or
expense (including attorneys fees) incurred by them because of any such use.
7. Privacy Policy; Disclosures of Information to Third Parties. We understand that you are
concerned about privacy. For information about how we treat information that you provide us
through the Site, please see our Privacy Policy
8. Information Accuracy. We strive to provide complete, accurate and timely account
information through Columbia OnLine for Business™. All information is either generated
by us or obtained from sources believed by us to be accurate and reliable as of the date
posted on the Site. However, because of the possibility of human and mechanical error,
delayed updates, as well as other factors such as the difficulty of securing a web site from
unauthorized alterations or the occurrence of a system breakdown or other unavailability,
neither we nor any of our affiliates provide any representations or warranties regarding
the Site or any information in it, and we will not be liable to you if any such information is
unavailable, delayed or inaccurate. THE SITE AND ALL INFORMATION IS PROVIDED “AS IS”
AND WITH ALL FAULTS, AND WE MAKE NO REPRESENTATIONS AND DISCLAIM ALL IMPLIED
WARRANTIES OF EVERY KIND, INCLUDING WARRANTIES OR ANY DUTIES (IF ANY) AS TO
ACCURACY, TIMELINESS, COMPLETENESS, SUITABILITY, AVAILABILITY, MERCHANTABILITY,
AND FITNESS FOR ANY PARTICULAR PURPOSE, OR LACK OF NEGLIGENCE OR VIRUSES. We
do not provide any warranty against infringement or of quiet enjoyment, and make no other
express warranties. With respect to electronic funds transfer problems, such as unauthorized
transfers or our failure to properly complete authorized transfers, the extent of our liability is
described in the Electronic Funds Transfers Agreement and Disclosure section.
9. Links to Other Sites. This Site may contain hyperlinks to sites operated by third parties.
When you click on a link, you will leave our Site and go to the linked site. We are not
responsible for the contents or your use of the linked sites, and their terms and conditions
will apply. We make no warranty whatsoever, and disclaim any and all liability whatsoever,
with respect to the contents, functionality, accuracy or any other aspect of any linked site.
10. Computer Virus Information. It is possible to contract a computer virus by using the
Internet or materials downloaded from it. We attempt to keep our Site virus free, but we
cannot assure you that the Site and any software or other information downloaded from it
will be virus free. We are not responsible for any electronic virus or viruses that you may
encounter, including, without limitation, any computer virus related problems that may be
associated with the use of our Site.
11. Your Computer and Software. You are responsible for the installation, maintenance, and
operation of your computer and your browser software. You assume all risk of error, failure, or
non-performance, including the risk that you do not operate your computer or your software
properly. We are not responsible for any errors or failures from any malfunction of your
computer or your software. We have no liability to you for any damage or other loss, direct
or consequential, which you may suffer or incur by reason of your use of your computer
or your software. WE MAKE NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR
YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A
PARTICULAR PURPOSE.
IV. LIMITATION OF LIABILITY
1. Limitation of Liability for Loss. To the fullest extent allowed by law, you agree that neither
we nor any of our affiliates will be liable to you or any third party for any loss, property
damage, bodily injury, any consequential or incidental damages (including but not limited to
lost profits or lost opportunity), or any other indirect, special, or punitive damages whatsoever,
(i) that arise out of or are related to the Site or any use of the Site or the information contained
within it, (ii) resulting from any failure to complete any Transaction, or (iii) resulting from the
installation, use or maintenance of any equipment, software, Internet browser or access
software, even if we have been advised of the possibility of such damages. This exclusion of
damages includes damages claimed in any cause of action, including but not limited to legal
or equitable proceedings and claims relating to contract, tort or products liability.
2. Exclusive Remedy. You agree that your recovery for any damages that you incur shall be
limited, at our election, to: (i) a refund of any amount (if any) you paid for information from the
Site, or (ii) correction or replacement of the information. Any failure or unconscionability of that
or any other remedy does not affect the enforceability of the limitations on and exclusions of
consequential, incidental and other damages described in the preceding paragraph.
3. Your Liability. Except as otherwise provided by law, you will be liable for any loss
or damage resulting from your breach of this Agreement or to which your negligence
contributed, or which resulted from unauthorized, fraudulent, or dishonest acts by others
(other than us). Such liability includes instances when someone effects one or more
Transactions to your detriment. You are liable for all payments that you make or which
are made or requested by an Authorized User, even if such Authorized User exceeds your
authority and even if such Authorized User is not an authorized signer on your Account.
V. MISCELLANEOUS TERMS AND CONDITIONS
1. Waiver and Severability. We may delay exercising our rights without losing them. Any
waiver or partial exercise of one right is not a waiver of other rights or the same right at
another time. If any provision of this Agreement, or its application to any person or set
of circumstances is held invalid or unenforceable to any extent, the remainder of this
Agreement, and the application to any other persons or set of circumstances is not impaired
or otherwise affected.
2. Governing Law, Forum, Limitation of Actions, Severability. This Agreement is governed
by the laws of the State of Washington, U.S.A. You consent to the jurisdiction and venue of
the courts in Pierce County, Washington in all disputes arising out of or relating to the Site,
any use of it or any information in it. You agree that a printed or electronic version of these
terms and conditions (as changed from time to time) will be admissible in any judicial or
administrative proceedings to the same extent as paper records. If you ever believe we have
not adhered to this contract or are liable for any other reason, please contact us immediately.
If you feel compelled to bring a lawsuit or other proceeding, you must do so within one (1)
year of the date you have a right to sue. Any clause of this Agreement declared invalid shall
be deemed severable and not affect the validity or enforceability of the remainder.
3. Our Right to Terminate this Agreement. We reserve the right to terminate this Agreement
and your access to Columbia OnLine for Business™, in whole or in part, at any time and for
any lawful reason.
4. Assignment. You may not assign this Agreement or any portion hereof. We may assign
this Agreement to our parent corporation or to any now existing or future direct or indirect
subsidiary of us or our parent corporation. We may also assign or delegate certain of our rights
and responsibilities under this Agreement to independent contractors or other third parties.
5. How to Contact Us. For all matters affecting this Agreement, you may call us at
253-396-6979 or toll free at 1-877-305-7125, or you may write to us at the following
address: Columbia Bank, Cash Management Services, MS 6220, P. O. Box 2156, Tacoma,
WA 98401-2156.
CASH MANAGEMENT ADDENDA TO TERMS AND CONDITIONS
1. Authorized Users: Customer has provided to Bank the names of all Authorized Users.
The Customer has also identified those specific services the company wishes to utilize. The
Customer will be responsible for granting authority for the specific services to each authorized
user who may initiate transactions on Customer’s behalf. Customer represents and warrants
to Bank there are no individuals or entities other than those whose names have been so
provided who are so authorized. No person or entity who initiates a transaction in connection
with a service which is not expressly authorized for such person or entity shall constitute an
“Authorized User” with respect to such transaction. Bank shall be entitled to rely exclusively
on its then-current list of Authorized Users, shall incur no liability whatsoever to Customer
for accepting or processing any transaction requested or transmitted by any person or entity
then appearing on such list as an Authorized User, and shall be entitled to treat all instructions
from an Authorized User as an instruction from Customer. Customer shall diligently monitor
its list of Authorized Users and shall promptly notify Bank in writing if Customer desires to add
or delete an Authorized User’s name from the list or to add or delete any Service authorized
for and Authorized User. Such notice shall be delivered to Columbia Bank, P. O. Box 2156,
Tacoma, WA 98401-2156, Attn: Cash Management, MS 6220, and shall be effective on the
second Business Day following the day of Bank’s receipt thereof. Bank shall have the right at
any time to require the Customer obtain and/or maintain at its sole expense a fidelity bond or
similar insurance policy providing coverage for the acts of its Authorized Users in such amount
as Bank deems appropriate and naming Bank as an additional insured, and Customer shall
provide to Bank a certificate evidencing such a bond or policy.
2. Credit Limitations: Customer acknowledges that Bank’s acceptance of any funds transfer
requests from customer in connection with ACH, Bill Pay, and if applicable, other services
may be limited by, among other things, Bank’s assessment of Customer’s creditworthiness as
described in each respective service agreement.
3. Limitations on Liability: Indemnification: Bank shall not be responsible for Customer’s
acts or omissions or those of any other person, including without limitation any Authorized
User, and no such person shall be deemed Bank’s agent for any purpose. In the event Bank
has provided any advice or training to Customer with respect to the Services or Program,
Customer acknowledges and agrees that Bank’s liability to Customer in connection with such
advice or training or Customer’s use or attempted use of the Services or Program in reliance
upon such advice or training shall be limited to its gross negligence, and Bank shall have
no liability whatsoever to any other person. Customer agrees to indemnify Bank against any
loss, liability or expense (including attorney’s fees and expenses) resulting from or arising
out of any claim of any person that Bank is responsible for any act or omission of Customer,
and Authorized User or any person or entity other than Bank. IN NO EVENT SHALL BANK BE
LIABLE FOR ANY CONSEQUENTIAL, SPECIAL, PUNITIVE OR INDIRECT LOSS OR DAMAGE
WHICH CUSTOMER MAY INCUR OR SUFFER IN CONNECTION WITH THIS AGREEMENT,
INCLUDING, WITHOUT LIMITATION, LOSS OR DAMAGE TO ANY HARDWARE, SOFTWARE, OR
EQUIPMENT IN CONNECTION WITH THE PROGRAM PROVIDED BY BANK.
4. Other Agreements: By using this program, Customer acknowledges that they (i) have
read this Agreement and understand and agree with all of its terms and conditions; (ii) has
received a copy of each respective Service Agreement governing the particular services
requested, and (iii) has had the opportunity to read each such Service Agreement and agrees
to abide by their respective terms.
ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE
By the signing of the deposit contract, or by using an account provided by the Bank, unless
the depositor specifies otherwise, the depositor requests and authorizes the Bank to deposit,
withdraw, and transfer funds to and from the depositor’s accounts pursuant to electronic,
telephone, computer or automated instructions from the depositor, including but not limited to
instructions that are made by means of an automated teller machine (ATM) or online banking,
and to issue the depositor a personal identification number (PIN), login identification, or
password for use in making such deposits, withdrawals, transfers, and bill pay transactions.
This disclosure and agreement concern the use of your Columbia Cash Card (ATM) Columbia
Check Card, Columbia OnLine for Business™, telephone, pre-authorized and other electronic
funds transfers excluding wire transfers. Certain transactions may be made only if the ATM
or point-of-sale (POS) terminal bears a logo for use of the networks in which the Bank is
a participant (“Participant Networks”). The reverse side of your Columbia Cash Card or
Columbia Check Card indicates the logos of Participating Networks at the time such card was
issued to you or you may call 1-800-305-1905 for a current list of Participating Networks. All
sections of the Deposit Account Agreement also apply.
SERVICES
Deposits, Withdrawals, and Cash Advances
You may use your Columbia Cash Card or Columbia Visa® Check Card and your Personal
Identification Number (PIN) to withdraw funds at ATMs displaying a logo of a Participating
Network (as described above). Your Columbia Visa® Check Card also may be used to obtain
cash at financial institutions participating in VISA®.
You may use your Columbia Cash Card or Columbia Visa® Check Card and your PIN to make
deposits at most ATMs owned or operated by the Bank. Deposits other than transfers of
money between your accounts, will not be available for withdrawal until actually credited
to the account which is to receive the deposit. Any deposit made should be made using
the separate deposit envelopes furnished at each machine. Credit for deposits is subject to
verification by us. Deposits are also subject to the Funds Availability Policy. You may not place
a stop payment on cash advances.
Transfers
You may use your Columbia Cash Card, Columbia Visa® Check Card, and Columbia OnLine
for Business™ banking and your respective PIN, login identification, or user ID and password
to transfer funds from one Bank account (checking, savings, and money market) to another
of those accounts, if the cards or Business OnLine banking are set up to include those
accounts. ATM transfers can be made at ATMs which have the transfer capability and which
display a logo of a Participating Network.
Purchases and Other POS Transactions
You may use your Columbia Cash Card or Columbia Visa® Check Card and your PIN for
point-of-sale (POS) purchases from your checking account at participating network terminals
or merchants. This service is not available for savings accounts. You may use your Columbia
Visa® Check Card to make POS purchases at merchants and other locations where the VISA®
symbol appears, provided such merchant participates in VISA® processing.
You may not place a stop payment on any purchase. Cash refunds will not be made to you
on purchases made with your card. If a merchant who honors your card gives you credit for a
merchandise return or adjustment, the merchant will do so by sending us a credit slip which
we will apply as a credit to your account. If your use of the card results in an extension of
credit, any claim or defense with respect to property or services purchased with your card
must be handled by you directly with the merchant or other business establishment which
accepts the card, and any such claim and defense which you assert will not relieve you of
your obligation to pay the total amount of the sales draft plus any appropriate charges we
may be authorized to make.
Telephone Access
We may act on telephone instructions received from a person whom we believe is an
authorized signer on an account to transfer funds from that account to another account
maintained with us that has a common owner and a common authorized signer. You may
make transfers and withdrawals by telephone from your checking, savings, or money market
accounts, subject to any limitations described in the Deposit Account Agreement.
Limitations - Limitations of Frequency and Dollar Amount of Transactions
Deposits, Withdrawals, POS Purchases and OnLine Business Bill Payments
There are no limitations on the frequency of deposits, withdrawals, or POS transactions.
However, there are daily dollar limits that apply to withdrawals, POS transactions, retail
purchases, online bill payments and VISA® cash advances. They are as follows:
• Check Card – You can use your Columbia Visa® Check Card to pay for goods and
services or obtain cash at locations which honor VISA® cards up to the available
balance in your account or $5,000, whichever is less.
• ATM Card – You can withdraw cash using your Columbia Cash Card or Columbia Visa®
Check Card at any ATM up to the available balance in your account or $400.00 per
day, whichever is less.
• Point-of-Sale (POS) – With your Columbia Cash Card or Columbia Visa® Check Card
and personal identification number (PIN), you can pay for purchases or obtain cash
from your checking account at participating merchants up to the available balance in
your account or $400.00, per day, whichever is less.
• Bill Pay Services – You can use Columbia OnLine for Business™ bill pay service to pay
bills up to the available balance in your account. ATM withdrawals and bill payment
transactions are subject to the availability of funds in your account, plus the available
amount of your Personal or Business Reserve Account that may be linked to your
account. Cash advances and POS transactions (including those at VISA® locations)
are subject to the availability of funds in your account, plus the available amount of
your Preferred Line of Credit, Preferred Equity Line of Credit, Unsecured Line of Credit,
or Equity Line of Credit that may be linked to your account. Funds being reserved for
authorized but un-posted purchases may not be used to pay checks, other debits
or withdrawals. If the Bank pays a withdrawal, cash advance, POS transaction, or a
bill pay transaction that exceeds the balance of funds in your checking account (it is
expressly acknowledged and understood that the Bank is under no obligation to do so),
you will be charged our current overdraft charge. The overdraft charge shall not apply
when such a payment is made by means of an automatic advance from your Personal
Reserve Account or from one of our Line of Credit products, but an overdraft charge
will be assessed if payment is made by means of an automatic transfer authorization.
ATM Deposits
If a deposit (either cash or check) is made at an ATM at a branch of Columbia Bank after the
cut-off time of 2:00 p.m. on a business day or on a day we are not open, we will consider the
deposit made on the next business day. You may use your Columbia Cash Card or Columbia
Visa® Check Card and your PIN to make deposits at most ATMs owned or operated by the
Bank.
Direct Deposits
There are no limitations on the number of direct deposits the Bank will accept. Telephone
Access and Online Access We may act on telephone or online instructions received from a
person whom we believe is an authorized signer on an account to transfer funds from that
account to another account maintained with us that has a common owner and a common
authorized signer. You may make transfers and withdrawals by telephone or computer from
your checking, savings, and money market accounts, subject to any limitations described in
the Deposit Account Agreement.
Fees
You will be provided with our Service & Fee Schedule and Columbia OnLine for Business™
banking service charges at the time an ACH or Electronic Funds Transfer (EFT) service is
contracted for or when a new service is added reflecting any charges that may be applicable.
See your Cash Management Services Agreement.
Right to Receive Documentation - Terminal Transactions
You will normally be furnished with a receipt at the time you make any transactions to or from
your account at an ATM terminal or POS device, or make purchases with your card.
Pre-Authorized Deposits
If you have arranged to have direct deposits made to your account at least once every 60
days from the same person or company, you can call 1-800-304-0050 to find out whether or
not a deposit has been made.
Periodic Statement
You will receive a monthly checking account statement and a quarterly savings account
statement. However, if there has been an electronic transaction to your savings account in a
particular month, you will receive a monthly savings account statement for that month. If you
request it, your checking and savings statements can be combined on one statement.
If the payments will vary in amount from period to period, the organization you signed up with
should notify you of changes at least 10 days before each payment and tell you the amount
and date. The Bank is not responsible for ensuring that these organizations notify you or for
any harm that results if you are not notified. If you order us to stop one of these payments
3 business days or more before the transfer is scheduled, and we do not do so, we will be
liable for your losses.
Consumer Liability
Tell us AT ONCE if you believe your Columbia Cash Card or Columbia Visa® Check Card or
your Personal Identification Number (PIN) for either of these cards or your Organization ID,
User ID or password for Columbia OnLine for Business™ banking has been lost or stolen.
Telephoning is the best way of keeping possible losses down. You could lose all the money in
your account plus the maximum available of your Personal Reserve Account or an overdraft
protection service.
If you tell us within two business days, you can lose no more than $50 if someone used your
card, PIN, log in identification or password, without your permission.
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card,
PIN, Organization ID, User ID or password and we can prove we could have stopped someone
from using them without your permission if you had told us, you could lose as much as
$500. Also if your statement shows transfers or transactions that you did not make, tell us at
once. If you do not tell us within 60 days after the statement was mailed to you, you may not
get back any money you lost after the 60 days if we can prove that we could have stopped
someone from taking the money if you had told us in time. If a good reason, such as a long
trip or a hospital stay kept you from telling us, we will extend the time periods.
If you believe your card or PIN has been lost or stolen or that an unauthorized transaction
has been made from your account, call 1-877-272-3678 or write Columbia Bank, ATM
Operations, OP 0261, P. O. Box 2036, Tacoma, WA 98402-2036.
Limits on liability for Visa® Check Card transactions processed through the Visa® Network:
Unless you have been grossly negligent or have engaged in fraud, you will not be liable for
any unauthorized transactions using your lost or stolen Visa® Check Card. This does not apply
to ATM or PIN based transactions not processed by Visa®.
If your Online Banking Organization ID, User ID or password has been lost or stolen or an
unauthorized transaction has been made from your account, call us at 253-396-6979 or
toll free at 1-877-305-7125, or you may write to us at Columbia Bank, Cash Management
Services, MS 6220, P. O. Box 2156, Tacoma, WA 98401-2156.
Business Days
For purposes of the Electronic Funds Transfer disclosure, Columbia Bank business days are
Monday through Fridays, except for legal holidays.
Error Resolution Notice
If you think your statement or your receipt is wrong or if you need more information
about a transaction listed on the statement or about an Electronic Funds Transfer, call
us at 253-396-6979 or toll free at 1-877-305-7125 or write us at Columbia Bank, Cash
Management Services, P. O. Box 2156, Tacoma, WA 98401-2156. If there is an error on your
bill pay or OnLine Banking transaction or you need more information regarding a transaction
call us at 253-396-6979 or toll free at 1-877-305-7125, or you may write to us at Columbia
Bank, Cash Management Services, MS 6220, P.O. Box 2156, Tacoma, WA 98401-2156. We
must hear from you no later than 60 days after we sent the FIRST statement on which the
problem or error appeared. You must provide the following information:
• The name and account number of the account.
• Describe the error or the transaction you are unsure about and explain as clearly as
you can why you need more information.
• The dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing
within 10 business days.
We will determine whether an error occurred within 10 business days (5 business days on
Visa® Check Card transactions processed by Visa® ) after we hear from you and will correct
any error promptly. If we need more time, however, we may take up to 45 days (90 days
on Visa® Check Card transactions processed by Visa®) to investigate your complaint or
question. If the investigation involves a POS or an Electronic Funds Transfer initiated outside
of the United States, we may take up to 90 days to investigate your complaint or question.
If we decide to do this, we will credit your account within 10 business days for the amount
you think is in error, so that you will have the use of the money during the time it takes
us to complete our investigation. If we ask you to put your complaint in writing and we do
not receive it within 10 business days (5 business days on Visa® Check Card transactions
processed by Visa®), we may not credit your account.
We will tell you the results within 3 business days after completing our investigation. If we
decide that there was no error, we will send you a written explanation. You may ask for copies
of the documents that we used in our investigation.
The above time periods may be extended to 20 business days instead of 10 days and to
90 calendar days instead of 45 days, if the error involves a new account. An account is
considered new for the first 30 calendar days after the first deposit to the account is made.
Bank’s Liability for Failure to Make Transfers
If we do not complete a transfer or online transaction to or from your account on time or in
the correct amount according to our agreement with you, we will be liable for your losses or
damages. However, there are some exceptions. We will not be liable:
• If, through no fault of ours, your account does not contain enough money to make the
transfer or online transaction.
• If the transfer or online transaction would go over the credit limit on your Personal
Reserve Account or an overdraft protection service.
• If the Automated Teller Machine (ATM) where you are making the transfer does not
have enough cash.
• If the terminal or processing system was not working properly and you knew about the
breakdown when you started the transfer or online transaction.
• If circumstances beyond our control (such as fire or flood) prevent the transfer or
online transaction, despite reasonable precautions that we have taken.
• If the funds are subject to legal process or other encumbrance restricting such transfer
or online transaction.
There may be other exceptions contained in other agreements with us that govern your
account.
Disclosure of Account Information to Third Parties
We will disclose information to third parties about your account or the transfer you make:
• Where it is necessary for completing the transfer, or
• In order to verify the existence and condition of your account for a third party, such as
a credit bureau or merchant, or
• In order to comply with a government agency or court order, or
• If you give us your written permission.
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