Introduction – How it Works
Remote Deposit Anywhere is a new way to make check deposits to your Liberty National Bank Checking
or Savings Account using your iPhone, iPad or Android device. Save time and gas by making deposits
wherever you are with our free Mobile App with Remote Deposit Anywhere.
Must be enrolled in Mobile Online Banking with eStatements
Account must be in good standing
Remote Deposit Anywhere is offered by Liberty National Bank with no service charge. We reserve the
right to change the service charge for this service at any time. If an item you transmit for deposit is
dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of
the return to the account the check was originally deposited to and you may be assessed a returned
deposited item fee.
Daily maximum deposit limit of $2,000.00
Monthly maximum deposit limit of $10,000.00
Cut off time for deposit to be posted on current day is 3:00pm (EST)
after deposit is made.
You cannot deposit foreign items or savings bonds
You cannot deposit money orders
You may only deposit checks into accounts held by the person that the check is made payable to
Checks must be signed and endorsed “For Mobile Deposit Only on DATE”
You will receive a confirmation message via email on the same day deposit is made
Liberty National Bank Remote Deposit Anywhere Service Agreement (“Agreement”)
This agreement contains the terms and conditions for the use of Remote Deposit Anywhere
and/or other Remote Deposit capture service that Liberty National Bank (“Liberty National Bank”, “us”
or “we”) may provide to you (“you”, “your”, or “User”). Other agreements you have entered into with
Liberty National Bank, including your Deposit Account Regulations, Rules and Disclosures, Online
account, are incorporated by reference and made a part of this agreement.
Service. The Mobile Deposit Service (the “Service”) is designed to allow you to make
delivering the check image and associated deposit information to Liberty National Bank or
Liberty National Bank’s designated processor.
Agreement. This Agreement is subject to change from time to time. We will notify you of
any material change via your mobile device, email or on our website by providing a link to
the revised Agreement or otherwise explaining the material change. Your continued use of
the Service will indicate your acceptance of the terms and conditions of the revised
Limitations of Service. When using the Service, you may experience technical or other
resulting damages that you may incur. The Service has qualification requirements and
limitations on use, and we reserve the right to change the qualifications or limitations at any
time without prior notice. We reserve the right to change, suspend or discontinue the
Service, in whole or in part, or your use of the Service, in whole or in part, immediately and
at any time without prior notice to you.
Eligible Items. You agree to capture and deposit only checks as that term is defined in
Liberty National Bank is converted to an Image Replacement Document for subsequent
presentment and collected, it shall thereafter be deemed an “item’ within the meaning of
Articles 3 and 4 of the Uniform Commercial Code as adopted in Ohio.
Ineligible Items. You agree that you will not use the Service to capture and deposit any
Checks or items containing obvious alteration to any of the fields on the front of the
know or suspect, are fraudulent or otherwise not authorized by the owner of the
account on which the check or item is drawn.
Checks or items draw on a financial institution located outside the United States.
Checks or items not payable in United States Currency.
Checks or items that are postdated or more than six months old.
Checks or items prohibited by Liberty National Bank’s current procedures relating to
National Bank account.
Checks or items submitted outside the United States.
Checks drawn or issued by the United State Treasury
item for deposit, even if Liberty National Bank has accepted that type of check or item previously. Nor
shall Liberty National Bank be required to identify or reject any checks or items that you may capture
and deposit that fail to meet the requirements of this Agreement.
Security of your Mobile Device and Account Information. You are responsible for (i)
password(s), security question(s) and answer(s), account number(s), login information, and
any other security or access information, used by you to access the Service (collectively,
“Access Information”), and (ii) preventing unauthorized access to or use of the information,
files or data that you store, transmit or use in or with the Service (collectively “Access
Information”). You agree not to supply your Access Information to anyone. You will be
responsible for all electronic communications, including image transmissions, email and
other data (“Communications”) entered using the Access Information. Any Communications
received through the use of the Access Information will be deemed to be sent or authorized
by you. You agree to immediately notify us if you become aware of any loss, theft or
unauthorized use of any Access Information, including your Mobile Devices. We reserve the
right to deny you access to the Service (or any part thereof) if we believe that any loss, theft
or unauthorized use of Access Information has occurred.
must be legible. The image quality of the items must comply with the requirements
established from time to time by the American National Standards Institute, the Board of
Governors of the Federal Reserve Board, any other regulatory agency, clearing house or
association or any higher standard set by us.
through the Service by providing your signature and marking the item “For Remote Deposit
Mobile Deposit only”, or as otherwise instructed by Liberty National Bank. You agree to
follow any and all other procedures and instructions for use of the Service as Liberty
National Bank may establish from time to time. You agree to supply any information in your
possession that we request regarding a check or item deposited or attempted to be
deposited through the Service.
at our discretion, without liability to you. We are not responsible for items we do not
receive in accordance with this Agreement or for images that are dropped during
transmission. An image of an item shall be deemed received when you receive an e-mail
confirmation from Liberty National Bank that we have received the image. Receipt of such
confirmation does not mean that the transmission was error free, able to be processed or
complete or that the funds will be credited for that check or item.
represented) for payment, and collected shall be in Liberty National Bank’s sole discretion as
set forth in the relevant deposit account agreement governing your deposit account.
Availability of Funds. You agree that items transmitted using RDA are subject to the funds
availability requirements of the Federal Reserve Board Regulation CC. Funds deposited using
RDA will be available when we receive payment for the funds submitted. Reservation of
Right to Hold: In some cases, we will not make the funds available to you when we receive
payment for the funds submitted. Depending on the type of check that you deposit, funds
may not be available until the second business day after the day of your deposit. Liberty
National Bank may make such funds available sooner based on such factors as credit
worthiness, the length and extent of your financial relationship with us, transaction and
experience information, and such other factors as we, in its sole discretion, deems relevant.
Disposal of Transmitted Items. Once your online deposit history shows that your item has
“VOID” and to ensure that it is not presented again for payment. You agree to destroy the
check after 7 days by shredding or incineration. You agree never to preset to us or any
other party a check or item that has been deposited through the Service unless we notify
you that the check or item will not be accepted for deposit through the Service. During the
time the retained check is available, you agree to promptly provide it, or a sufficient copy of
the front and back of the item, to Liberty National Bank as requested to aid in the clearing
and collection process, to resolve claims by third parties with respect to any item for Liberty
National Bank’s audit purposes.
Deposit Limits. We reserve the right to impose limits on the amount(s) and/or number of
deposits that you transmit using the Service and to modify such limits at any time. Any
deposit which exceeds the Service’s eligible deposit limit will be rejected and must be
deposited by means other than the Service.
expense, compatible hardware and software as specified by Liberty National Bank for time
to time. Liberty National Bank is not reasonable for any third party software you may need
to use the Service. Any such software is accepted by you as is and is subject to the terms
and conditions of the software agreement you entered into directly with the third party
software provider at time of download and installation.
deposited through the Service right away, and not event later than 60 days after the
applicable Liberty National Bank account statement is sent. Unless you notify Liberty
National Bank within 60 days, such statement regarding all deposits made through the
Service shall be deemed correct, and you are prohibited from bringing a claim again Liberty
National Bank for such alleged error.
from the Service at any time in our sole discretion. You may reject changes by discontinuing
use of the Service. Your continued use of the Service will constitute your acceptance of and
agreement to such changes. Maintenance to the Service may be performed from time-to-
time resulting in interrupted service, delays or errors in the Service and we shall have no
liability for any such interruptions, delays, or errors.
proprietary rights in the Service, associated content, technology, and website(s). Your use
of the Service is subject to and conditioned upon your complete compliance with this
immediately terminates your right to use this Service. Without limiting the restriction of the
foregoing, you may not use the Service (i) in any anti-competitive manner, (ii) for any
purchase which would be contrary to Liberty National Bank’s business interest, or (iii) to
Liberty National Bank’s actual or potential economic disadvantage in any aspect. You may
not copy, reproduce, distribute or create derivative works from the content and agree not
to reverse engineer or reverse compile any of the technology used to provide the Service.
Disclaimer of Warranties. You agree your use of the Service and all information and
content (including that of third parties) is at your risk and is provided on an “as is” and “as
available” basis. We disclaim all warranties of any kind as to the use of the service, whether
express or implied, including but not limited to the implied warranties of merchantability,
fitness for a particular purpose and noninfringement. We make no warranty that the
service (i) will meet your requirements, (ii) will be uninterrupted, timely, secure, or error-
free, (iii) the results that may be obtained from the Service will be accurate or reliable, and
(iv) any errors in the service or technology will be corrected.
incidental, special, consequential or exemplary damages, including but not limited to
damages for loss of profits, goodwill, use, data, or other losses resulting from the use of the
inability to use the service incurred by you or any third party arising from or related to the
use of, inability to use, or the termination of the use of this service, regardless of the form of
action or claim (whether contract, tort, strict liability or otherwise), even if Liberty National
Bank has been informed of the possibility thereof.
User warranties and indemnification. You warrant to Liberty National Bank that:
checks and items will include all signatures required for their negotiation.
Images will meet Liberty National Bank’s image quality standards.
You will not transmit an image or images of the same check or item to us more than
or item with any other part.
All information you provide to Liberty National Bank is accurate and true, including
of the check or item at the time the image was captured.
You will comply with this Agreement and all applicable rules, laws and regulations.
You will use the Service only for your own deposits and will not allow the use of the
allow use of the Service by or for the benefit of any third party.
You agree to indemnify and hold harmless Liberty National Bank from any loss of breach of this
warranty provision or the terms of this Agreement.
suspend or terminate the Service, in whole or in part, at any time, with or without notice to
you, with or without cause, including, without limitation, if: (a) we have reason to believe
that your account has been compromised or mismanaged in any way, such as by
unauthorized or erroneous use of your Access Information; or (b) we believe the Service is
other agreement you have with Liberty National Bank; (c) we have reason to believe the
Service is being used in an anti-competitive manner or contrary to Liberty National Bank’s
business interest; or (d) your account is closed or access to your account is restricted for any
reason. Termination will not affect your liability or obligations under this Agreement or any
other agreements you have with us.
provisions of this Agreement, including its disclaimer of warranties and any limitations of
liability and that such Third Party Service Providers are, for the purpose of this Agreement,
third party beneficiaries to this Agreement with the power to enforce this Agreement.
and shall be governed by the laws of the state of Ohio and the United States. A
determination that any provision of this Agreement is unenforceable or invalid shall not
render any other provision of this Agreement unenforceable or invalid.
A printable copy of this Agreement is available at
. We encourage you to print and
save a copy of this Agreement for you records.