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Electronic Services Agreement


The Agreement contains the terms that apply to your access and use of our Online Banking and Mobile Banking electronic services.   Please carefully read this entire Agreement before you use the Services.  Each time you access or use the Services, you confirm your acceptance of the terms and conditions contained in this Agreement. 


Download the Electronic Services Agreement


This Agreement consists of the following parts:


  • Part 1  General Terms and Conditions

  • Part 2  Electronic Transfer Services (INTERAC® e-Transfer) - Terms and Conditions  

  • Part 3  Electronic Mail Services (epost™) - Terms and Conditions    

  • Part 4  Mobile Remote Deposit Services (Deposit Anywhere™)  –Terms and Conditions

  • Part 5 Personal Financial Management Services (PFM) - Terms and Conditions

  • Part 6  Transfers with Linked Accounts and Transfers with External Accounts - Terms and Conditions

  • Part 7  Online Payment Services - Terms and Conditions

  • Part 8  Small Business Services - Terms and Conditions

    • Part 8A:  Invoicing Services​ - Terms and Conditions

  • Part 9  Alert Services - Terms and Conditions

  • Part 10 Mobile Payment Services - Terms and Conditions

  • Part 11 Western Union Services - Terms and Conditions

This Agreement (as amended from time to time) applies when you access or use the Services regardless of the technology that you use to access the Services.   This Agreement replaces all prior agreements between you and us for the Services however it does not replace any other agreements that you have with us.   For example, the Terms and Conditions for Financial Services will continue to govern your use of Accounts and Transactions. 


If there is a conflict between a term in this Agreement and any other agreement that you have with us, the term of the other agreement, as applicable, will apply to the extent necessary to resolve the conflict. 


This agreement was last amended in January 2019.

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