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Alert
All branches will be closed on Saturday, October 25. Due to a scheduled system upgrade, Internet Banking will be down Friday, October 24 from 11 p.m. until Monday, October 27 at 12 p.m./noon. Internet Bill Pay operations will be available after 1 p.m.
Commonwealth Bank and Trust Company
Alert
All branches will be closed on Saturday, October 25. Due to a scheduled system upgrade, Internet Banking will be down Friday, October 24 from 11 p.m. until Monday, October 27 at 12 p.m./noon. Internet Bill Pay operations will be available after 1 p.m.

Mobile App Disclosures

I. Introduction

Commonwealth Bank & Trust Company endeavors to provide you with the highest quality Mobile Banking (the "Service") available. By enrolling in the Service, you agree to all the terms and conditions contained in this Agreement and Disclosure (the "Agreement").

We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable. From time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by Law. Other agreements you have entered into with CBT, including the Account Agreement and Disclosures governing your CBT account, are incorporated by reference and made a part of this Agreement.

II. Definitions

As used in this Agreement and Mobile Banking services, the following words have the meanings given below:

III. Mobile Banking Service

IV. Permitted Mobile Banking Transfers

You may use the Service to transfer funds between your eligible Commonwealth Bank & Trust Company accounts ("Internal Transfer"). You may not transfer to or from an Account at another financial institution using Mobile Banking.

If you submit your transfer request prior to the deadline established by us for Mobile Banking transfer service, you will initiate an immediate Internal Transfer via Mobile Banking. Transfer transaction requests received after 6:00 p.m. EST on business days and all transactions which are requested on Saturdays, Sundays, or holidays on which the Bank chooses to remain closed, will be processed on the Bank's next business day.

You must have sufficient funds available in the selected account at the time the transfer request is received, including any available overdraft protection. We may process transfers that exceed your available balance at our sole discretion. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees.

Federal regulations require financial institutions to limit the way withdrawals may be made from a savings or money market account. Each transfer from a savings or money market account using Mobile Banking is counted as one of the six limited transactions permitted each monthly statement cycle period, as described in the Deposit Account Agreement and Disclosures. You may be subject to fees or account conversion if you exceed the transactions limits of your Account using Mobile Banking or any other methods outlined in your Deposit Account Agreement and Disclosures.

We may also limit the type, frequency and amount of transfers for security purposes and may change or impose the limits without notice, at our option.

You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

V. Your Responsibilities

You represent and agree to the following by enrolling for Mobile Banking or by using the Service: