![]() you share any of your Passwords or Personal Verification Questions or.you carry out the transaction, including if the transaction is a result of any mistake, error, omission, inaccuracy or other inadequacy of, or contained in any data or information that you give to us.you access Digital Banking or Mobile Payments via a Device that you know or reasonably should know contains software that has the ability to reveal or otherwise compromise any of your Passwords, Personal Verification Questions or an e-Transfer Question and Answer.you engage in any fraudulent, criminal or dishonest acts related to Digital Banking or Mobile Payments.you do not comply with any of your obligations under this Agreement or you do not comply with any instructions we may provide to you in connection with Digital Banking or Mobile Payments.Your responsibilities: Despite the above, we are not responsible for and we will not reimburse you for losses to your Account(s) if: any failure, error, malfunction, or technical problem of our system or equipment or that of any Third-Party Service Provider or any Third Party participating in Interac Online Payment.Interac Online Payment transactions resulting from negligent conduct by any Third Party participating in Interac Online Payment and.transactions resulting from negligent conduct by us, our employees or Third-Party Service Providers.transactions where it can be shown that you have been a victim of fraud, theft or have been coerced by trickery, force or intimidation, so long as you report the incident to us immediately and cooperate and assist us fully in any investigation.transactions that occur after you notify us that you believe that any of your Passwords may have become known by someone, or that you noticed unusual, suspicious or fraudulent activity on any of your Accounts.These bank transfers generally don’t cost anything and process in one to three business days.Our guarantee to you: We will reimburse you for monetary losses to your Account(s) resulting directly from the following unauthorized transactions on your Account(s) using Digital Banking or Mobile Payments (collectively, Unauthorized Transactions): Automatic clearinghouse (ACH) transfer: If you need to pay a monthly bill, you can often do so via ACH transfer. ![]() Money orders are generally processed quickly and can be a good option if you don’t have a checking account. You’ll pay a nominal fee of up to $5 for a money order. Money order: With a money order, you can send domestic payments of up to $1,000 to individuals and companies.Just be aware that check fraud is on the rise, so consider taking additional precautions like getting a USPS tracking number if you go this route. Paper check: Putting a paper check in the mail is still an option if you need to pay a person or company, and you generally won’t be charged a fee to send a check.It could take a few days to transfer money from your Zelle or Venmo account to a bank account. Most transactions are free through these services, and payments generally process very quickly. Peer-to-peer payment: If you’re paying an individual, you can send money via a peer-to-peer payment service like Zelle or Venmo.If a wire transfer payment sounds too cost-prohibitive, several other payment methods are available to you. For instance, it may cost less to send a wire transfer in U.S. Costs may also vary based on the currency you choose. Often, banks will charge more for wire transfers initiated at a physical branch than online transfers. If you prefer not to open a new account, review your bank’s fee schedule to determine how its wire transfer fees are structured. Doing so could help save you hundreds of dollars in fees each year, especially if you’ll be sending money internationally. Those planning to send several wire transfers each year may want to consider opening an account with a bank that charges relatively low fees for this payment service. If your bank charges wire transfer fees, you may not be able to get them waived entirely, but there are some things you can do to reduce these costs. ![]() Your fees also vary if you send a wire in U.S. If you’re sending a payment internationally, you’ll pay as much as $65 per wire transfer, depending on your bank. For instance, fees might be lower if you send a wire online versus at a local bank branch. They can also vary depending on how you send your wire. But fees for sending a domestic wire transfer can still be fairly high. ![]() As you can tell, wire transfer fees are generally lower if you’re sending a payment within the United States. ![]()
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