oWith Online Services, you can transfer funds, pay bills, establish recurring payments,and send money to friends and family. We may offer additional services from time to time, and your use of those services indicates you agree to be bound by all terms and conditions that apply to those services.
oGeneral Limits: the following limits apply to all payments and transfers made through Online Services:
°All payments and transfers must be in U.S. Dollars.
°You must have enough available money or credit in any account from which you instruct us to make a payment or transfer.
°Money market accounts: if an eligible account with us is a money market account, certain types of withdrawals, including payments and transfers, are limited to no more than 6 in a monthly statement period.
°Savings deposit account: if an eligible account with us is a savings deposit account, certain types of withdrawals, including payments and transfers, are limited to no more than 6 in a calendar month.
oSecurity Limits: for security reasons we may:
°Limit the number or amount of transactions you can make using Online Services;
°Limit or suspend your access to Online Services; and
°Limit access to Online Services from countries other than the United States.
oOther Limits: we may also have certain other limits on the number or amount of transactions. These limits may vary by customer and may change over time.
°Your payments and transfers will be listed on your account statements.
°You agree to notify us promptly if:
•You change your address;
•You believe there are any errors on any statement or in any statement information;
•You believe there are any unauthorized transactions in any statement.
oTo the extent the automated clearing house (“ACH”) network is used to facilitate your payments or transfers, you and we agree to be bound by the National Automated Clearing House Rules.
oPayments and Transfers When You Don’t Have Enough Money
°If you instruct us to make a payment or transfer and you do not have enough money in the account from which you are making the payment or transfer(including available credit under any credit line or credit card, overdraft line or overdraft protection plan), we may refuse to complete the transaction. We may do this even if there is enough money in accounts other than the one you were using to make the payment or transfer.
°If we complete a payment or transfer that you make or authorize and we subsequently learn that you don’t have enough money for the transaction in the account from which the payment or transfer is made, you agree that we may reverse the transaction or offset the shortage with money from any other account you have with us.
°In any case, you are fully obligated to provide us with enough money for the payment or transfer you make or authorize.
°If we do not make (or we reverse) a payment or transfer because you don’t have enough money, we are not required to make any further attempt to process the payment or transfer or to notify you that the transfer has not been completed. You may be liable for a non-sufficient funds fee under the terms governing the account from which you made, or attempted to make, the payment or transfer.
oStart moving your money the simple way. Quickly transfer funds between your accounts at Huntington or other banks. Set up recurring or one-time transfers to manage your money, your way. Keep the following in mind:
•We will tell you which accounts qualify. You must be a named owner on the account or be an authorized Delegate.
•If any transfer is from a personal credit line or credit card account, the transfer provides credit under the terms previously disclosed for your personal credit line or credit card account.
°Limits on Transfers
•As described above, we may limit the number or amount of transfers you can make. Limits are typically posted in the transfer section within Online Services for your review.
•Transfers from a credit card account are considered “cash advances.” This means they are subject to the limits and fees previously disclosed in your credit card account agreement.
°When Online Transfers Are Made
•Transfers are not final at the time we receive your instructions, but we will begin to process them promptly.
oYou should allow 1 Business Day for us to process transfers between eligible accounts with us.
oYou should allow 3 Business Days for us to process transfers between an eligible account with us and an eligible account with another financial institution.
•Each transfer will be posted to the account with us from which it is made, and any other account with us that is involved in the transaction,on the Business Day on which the transfer is made.
•Each transfer you make on a non-Business Day, or after our transfer cutoff time on any Business Day, will be considered made on the following Business Day.
•Recurring Bank-to-Bank transfers that will fall on a weekend, bank holiday, or at the end of a month with less than 31 days will be scheduled for the previous Business Day.
•Transfers to a Huntington Credit Card made before midnight ET will be credited to the account as of that day.
oWe will inform you of the transfer cut off times in any manner we choose, but usually the cut off time is posted in the transfer section within Online Services.
•Please keep in mind that information you obtain about your accounts using our Online Services may not reflect transactions that have not yet posted to your accounts.
oBill Pay allows you to pay bills digitally. It’s simple. You tell us how much the payment should be, who to send it to, and when to send it, and we’ll handle it for you.
°All you need is a Huntington checking account with Online Services. You must be a named owner on the account or be an authorized Delegate.
°Eligible accounts will appear within the Bill Pay section of your account. If you have more than one eligible account, you may designate a default account that will automatically be used.
°You set up your Payees just once. Payees can include:
•you (if you want to make payments to accounts in your name with us or other financial institutions), or
•Huntington (if you wish to make payments to us.)
°Please note, payments outside the United States are not permitted, except payments to Payees in Puerto Rico or the U.S. Virgin Islands
°In order to add a Payee, you will provide us with the required information. You are responsible for keeping this information up to date, and providing us with any changes.
°All Payees may be compared against the Office of Foreign Asset Control’s (“OFAC”) Specially Designated National (“SDN”) list or any other list compiled by the U.S. Treasury’s OFAC. If any payment is made to a Payee who is a match or a potential match (as determined by us) to the SDN list or any other list compiled by the U.S. Treasury’s OFAC, we may place a stop payment on any of those payments sent by mail.
oTypes of Bill Pay Transactions
°You, or an authorized Delegate, can instruct us to perform the following transactions via the Bill Pay service:
•Make one-time payments or recurring payments that do not vary in amount to Payees you designate.
°You are not permitted to send tax payments, court ordered payments,payments for gambling debts or payments otherwise prohibited by law via Bill Pay. Huntington is not liable for these transactions.
°You agree no Bill Pay payment will violate or violates any U.S. law.
°Payments are sent either electronically or by mailed check.
°Payment method usually depends on the Payee’s determined method of receiving payments.
°We indicate within Bill Pay if we will send the payment electronically or via mailed check.
°We may change the method (electronic or mailed check) by which we send a payment to a Payee. Unless required by law, we will not provide you notice of this change.
oScheduling a Bill Payment
°Payments are not final at the time we receive your instructions, but we will begin to process them promptly.
•For payments that will be mailed via the U.S. Postal Service, please choose a Send On date at least 5 Business Days before the due date.
•For payments that will be sent electronically, please choose a Send On date at least 2 Business Days before the due date.
°Regardless of delivery method, once you choose a Send On date you will be informed of the earliest available Deliver By date.
•While we anticipate that most payments will be delivered by the Deliver By date, there may be circumstances beyond our control that may result in a delay. For example, mailed checks may be lost or delayed by the U.S. Postal Service. We also can’t predict the exact date that a payment will be posted by the receiving Payee.
°Each payment will be withdrawn from the account from which it is made on the date you have specified. Any payment made after our Bill Pay cut-off time or on a non-Business Day will be considered made on the following Business Day.
°The Bill Pay cut-off time is available on our website and mobile app.
°We may permit you to create a memo line for payments.
°The character limit for the memo line will be listed within Bill Pay. We may change the character limit without notice.
°If your payment is sent electronically, we will store the memo line for you, but your Payee will not see the memo line.
°If we send your payment by mail, your Payee may see the memo line.
°You agree not to use any obscene, lewd, or harassing language in any memo line.
oNotice of incomplete transactions
°You agree to notify us promptly if you receive notice from a Payee that a payment you made through our Bill Pay service has not been completed or remains unpaid.
•Stopping or Changing Payments or Transfers
oIf you want to stop or change payments or transfers that you have instructed us to make, you must notify us before we have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions.
°If it’s before our cut-off time you may be able to simply delete or change the payment or transfer through Online Services.
°To stop preauthorized recurring transactions you can call us at 1-800-480-2265,or write to The Huntington National Bank, 5555 Cleveland Avenue (GW2W40)Columbus, Ohio 43231, in time for us to receive your request 3 Business Days or more before the payment or transfer is scheduled to be made.
°If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. We may charge you our regular stop-payment fee for each stop-payment order you give.
oIf you order us to stop any of these payments or transfers 3 Business Days or more before it is scheduled, and we do not do so, we will be liable for your losses or damages.
oA stop payment request will only stop a particular payment or transfer. You must tell us if you want all scheduled future payments cancelled. You should also contact the person or company with whom you arranged for the preauthorized recurring electronic payment or transfer.
•Liability-Yours and Ours - Authorized & Unauthorized Transactions and Errors
°Your Liability for Authorized Transactions. You are liable for all transactions that you authorize. This includes transactions made by someone with whom you have shared your Login Credentials, even if that person exceeds your authority.
°Your Liability for Unauthorized Transactions for Consumer Accounts. Notify us IMMEDIATELY for Unauthorized Transactions
•Tell us AT ONCE if you believe your Login Credentials have been lost, stolen, or otherwise compromised or used without your authorization. Calling us is the best way of reducing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit), or you could be liable up to $50 on your credit card account. Refer to your personal credit line agreement to determine liability on that account.
•You may call us at 800-480-2265 or write to us at Huntington Customer Service (GW5C42), P.O. Box 1558, Columbus, Ohio 43216. If we provide you with another electronic means of notifying us for this specific purpose, you may use that means. However, DO NOT use a general e-mail service or other electronic means that we have not specifically authorized for this purpose.
•If you tell us within 2 Business Days after you learn of the loss or theft of your Login Credentials, you can lose no more than $50.00 if some one used them without your authority.
•If you do NOT tell us within 2 Business Days after you learn of the loss of your Login Credentials, and we can prove that we could have stopped someone from using them without your authority if you had told us, you could lose as much as $500.00.
•Check your statement: If your statement shows electronic transactions that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed or otherwise made available 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 may extend the time periods.
°Our Liability for Failure to Complete Transactions From Consumer Accounts
•If we do not complete an electronic banking transaction from your consumer account on time or in the correct amount, we will be liable for your losses or damages unless an exception applies such as:
oDue to no fault of ours, you do not have enough money or credit in your account to make the transaction, or if the account has been closed or is not in good standing.
oDue to no fault of ours, a transaction to or from an account at another financial institution is not completed or is otherwise not successful.
oThe transaction would go over the credit limit of any overdraft line or credit card account you may have with us.
oThe equipment or system is temporarily out of service, closed for maintenance or is not working properly, and you knew about this when you started the transaction.
oThe money in the account you are accessing is subject to legal process or other claim restricting the transaction.
oYou have not properly followed our instructions or if you provide us with wrong or inaccurate information.
oIf you receive notice from a Payee that any payment you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact.
oIf the Payee was a person or entity that you are not permitted to designate as a merchant (see the Payees section above).
oIf you do not instruct us soon enough for your payment to be received and credited by the time it is due.
oIf a Payee (other than us) does not process your payment promptly or correctly.
oCircumstances beyond our control (such as fire or flood) prevent the transaction despite reasonable precautions we have taken. For example, delays or losses of check payments by the U.S. Postal Service, delay by the Payee in posting the payment once received, etc.
oIf we do not process a payment or place a stop payment on it because the Payee is a match or a potential match (as we determine) to the SDN list or any other list compiled by the U.S.Treasury’s OFAC.
°Errors or Questions About Transactions Involving Consumer Accounts
•Reporting: How, When, Where and What:
oCall us or write to us as soon as you can if you think your statement or receipt is wrong or if you need more information about a transaction. You may call our toll-free number, 1-800-480-2265, or write to The Huntington National Bank, GW4W61P.O. Box 1558, Columbus, Ohio 43216.
oWe must hear from you no later than 60 days after we sent (or made available) the FIRST statement on which the problem or error appeared. Please provide the following information:
•Your name and account number (if any).
•A description of the error or the payment or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
•The dollar amount of the suspected error.
oNOTE: If you tell us orally, we may require that you send us your complaint or question in writing so that we receive it within 10 Business Days.
oIf the account is at another financial institution, we will extend by a reasonable time the 60-day period if a delay resulted from an initial attempt by you to notify the account-holding financial institution.
oTiming: We will determine whether an error occurred within 10 Business Days after we hear from you and will correct any error promptly.
oProvisional (i.e. Temporary) Credits: If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 10 Business Days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business Days; we are not required to provisionally credit your account.
oNew Accounts: For errors involving new accounts, we may take up to 90 days to investigate your complaint or question and we may take up to 20 Business Days to provisionally credit your account for the amount you think is in error. For purposes of this section, your account would be a new account if the error occurs within 30 days after the first deposit to the account was made.
oNotice of Results: When the investigation is completed, we will make any necessary or appropriate adjustments to your account. We will tell you the results within 3 Business Days after completing our investigation. If we decide that there was no error or the error was different than you described, we will send you a written explanation. If we determine that there was an error, we will correct the error within 1 Business Day after we determined the error occurred. You may ask for copies of the documents that we used in our investigation.
°Errors or Questions About Transactions Involving Consumer Credit Card Accounts
•Reporting: How, When, Where and What:
oIf you think your bill or a transaction is wrong, or if you need more information about a transaction, write to us at Huntington National Bank-Dispute Resolution P.O. Box 1558 GW4W61 Columbus, Ohio 43216.
oIn your letter, give us the following information:
°Account information: Your name and Account number.
°Dollar amount: The dollar amount of the suspected error.
°Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
oYou must contact us:
°Within 60 days after the error appeared on your statement.
°At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
oYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
oWhen we receive your letter, we must do two things:
°Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
°Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
oWhile we investigate whether or not there has been an error:
°We cannot try to collect the amount in question, or report you as delinquent on that amount.
°The charge in question may remain on your statement,and we may continue to charge you interest on that amount.
°While you do not have to pay the amount in question,you are responsible for the remainder of your balance.
°We can apply any unpaid amount against your credit limit.
oAfter we finish our investigation, one of two things will happen:
°If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.
°If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
oIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us.
oIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.
•Refer to your personal credit line agreement to determine what to do in case of errors or questions on that account under the section entitled “Your Billing Rights.”
°Your Liability for Business Accounts
•You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you or a Company Representative have given someone your Login Credentials and want to terminate that person's authority, you must notify us that transactions by such a person are no longer authorized. We may have to change your Login Credentials or take additional steps to prevent further access by such person.
•Our system supporting Online Services is designed so that it may be operated only upon entry of valid Login Credentials. Since we condition access upon entry of valid Login Credentials, we will accept instructions for payments and transfers or other transactions from any person using valid Login Credentials. This is so even if the person obtaining access:
oIs not a Company Representative.
oExceeds your authority or that granted by any Company Representative.
oDoes not have your authority.
oHas had his/her authority changed or revoked.
oIs an imposter or thief.
•You agree to be bound by all transactions from any Business account for which Login Credentials were used. You authorize us to treat any instructions we receive using valid Login Credentials as if the instructions had been made in writing and signed by the appropriate Company Representative. Unless there is substantial evidence to the contrary, our records will be conclusive regarding any access to, or action taken through, Online Services.
•Notwithstanding the foregoing, we agree that you will not be responsible for transactions which occur after you have notified us to block the Login Credentials that were used to perform the transaction, and we have had a reasonable opportunity to do so. Thus, the sooner you notify us of a problem, the better you can keep your losses down.
•You agree to promptly examine all account statements and any confirmations of payments which we or other banks may send or make available to you, and to promptly notify us of any discrepancy or error within 30 days of receipt of any such statement or confirmation.
•Call us at 1-800-480-2001, or write us at Huntington Customer Service(GW5C42), P.O. Box 1558, Columbus, Ohio 43216 as soon as you can, if you think your statement is wrong or if you need more information about a payment or transfer covered by this Agreement which is listed on the statement.
•If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.
°Our Liability for Business Accounts
•We will make every reasonable effort to:
oProvide full performance of our Online Services; and
oResolve disputes on a timely basis.
•We are only responsible for acting on instructions we actually receive.
•We are not responsible for:
oMalfunctions, capacity reductions, or other problems in your equipment or in public communications networks not under our control that may affect the accuracy or timeliness of transactions you perform.
•We are only liable for correcting errors within our control.
•We are not liable for:
oAny loss, damage, or injury caused by our Online Services system.
oAny consequential, incidental, special, indirect or punitive loss or damage, including but not limited to dishonor of checks or other items or expenses which you may incur or suffer by reason of this Agreement or the services we provide, whether or not the possibility or likelihood of such loss, damage, or expense is known to us.
•WE MAKE NO WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES WE PROVIDE YOU UNDER THIS AGREEMENT,INCLUDING, WITHOUT LIMITATION, THE WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
•If you are an employer that provides credit cards for use by your employees and we issue fewer than 10 credit cards to you, this section does not apply.
oZelle® is a peer-to-peer payment service that allows you to send, request, and receive money with people you trust.
oPlease see the Zelle Addendum for more information on this service.