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Introduction

Welcome to Rivercrest Alliance Bank Online Banking! This Online Banking Service Agreement ("Agreement") outlines the terms and conditions under which you can access and use the Online Banking services offered by Rivercrest Alliance Bank . By registering for and using these services, you agree to be bound by the terms of this Agreement. If you do not agree to these terms, please do not use our Online Banking services.

Definitions

For the purposes of this Agreement, the following definitions apply:
"Online Banking" refers to the electronic banking services provided by Rivercrest Alliance Bank that allow you to manage your accounts online.
"Authorized User" refers to any person who is authorized by you to access and use your account information through Online Banking.

Acceptance of Terms

By enrolling in and using Online Banking, you agree to abide by the terms and conditions set forth in this Agreement. These terms may be amended by Rivercrest Alliance Bank from time to time, and you are responsible for reviewing this Agreement periodically to stay informed of any changes. Continued use of the service constitutes acceptance of any updated terms.

Eligibility

You must be at least 18 years old to use Online Banking. You also must have a valid Rivercrest Alliance Bank account that is eligible for Online Banking services. If you do not meet the eligibility requirements, please contact Rivercrest Alliance Bank Customer Service for further assistance.

Scope of Online Banking Services

Online Banking provides a wide range of services that include:
- Viewing account balances and transaction history.
- Transferring funds between your accounts.
- Paying bills and setting up recurring payments.
- Setting up account alerts for transactions and balances.
- Accessing account statements and documents electronically.
- Applying for loans and credit products.
These services are available 24/7 and can be accessed from your computer or mobile device.

Security

Rivercrest Alliance Bank is committed to providing a secure online environment. We use industry-leading encryption technology to protect your personal and financial information. However, you are responsible for maintaining the confidentiality of your login credentials. You must notify Rivercrest Alliance Bank immediately if you suspect any unauthorized access to your account or if your login credentials have been compromised.

Fees and Charges

Rivercrest Alliance Bank may charge fees for certain Online Banking services. These fees are disclosed in the account terms and conditions and may be updated periodically. By using certain features of Online Banking, you agree to pay any applicable fees as disclosed.

Account Access and Maintenance

You are responsible for ensuring that your computer, mobile device, and internet connection are secure when accessing Online Banking. Rivercrest Alliance Bank is not responsible for any loss or damage resulting from your failure to maintain the security of your devices or accounts.

Termination of Service

You may terminate your Online Banking service at any time by contacting Rivercrest Alliance Bank Customer Service. Rivercrest Alliance Bank also reserves the right to suspend or terminate access to Online Banking services at any time, for any reason, including but not limited to violations of this Agreement, security concerns, or account inactivity.

Limitation of Liability

Rivercrest Alliance Bank will not be held liable for any loss, damage, or expenses incurred due to the use of Online Banking services, except as required by law. This includes, but is not limited to, damages resulting from system outages, unauthorized access, or transaction errors.

Indemnification

You agree to indemnify and hold Rivercrest Alliance Bank harmless from any claims, losses, or expenses arising out of your use of Online Banking services or your breach of any term of this Agreement.

Governing Law and Dispute Resolution

This Agreement will be governed by and construed in accordance with the laws of the State where Rivercrest Alliance Bank is located. Any disputes arising out of or in connection with this Agreement will be resolved through arbitration or in a court of competent jurisdiction, as agreed by the parties.

Changes to Terms and Conditions

Rivercrest Alliance Bank reserves the right to modify or update these terms and conditions at any time without prior notice. Changes will be effective immediately upon posting on the Rivercrest Alliance Bank website. It is your responsibility to review these terms regularly for any updates.

Contact Information

If you have any questions or concerns regarding this Agreement or your Online Banking account, please contact us at:
Rivercrest Alliance Bank Customer Service
Email: info@rivercrestalliancebk.com
Phone: +1-800-555-1234
Mailing Address: Rivercrest Alliance Bank , 123 Bank Street, City, State, ZIP Code