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June 27, 2018

The following information was emailed to Business Mobile Banking users on record and is provided as a courtesy to outline changes to the Terms and Conditions (Agreement) for using Business Mobile Banking. In the coming days, these terms will be presented to you when logging in to the app.

These Terms and Conditions have been recently updated to include a clear definition of "Endorsements / Indorsements" and standardized requirements for preparation and processing of remote check deposits effective July 1, 2018. This revised Agreement is available to you on our website at

The following portions of the Business Mobile Banking Terms and Conditions have been adjusted as shown below:

Section A: Definitions.

  • Definition 16 in this section has been expanded to include definitions of “Endorsement / Indorsement” and “Restrictive Endorsement / Indorsement” as well as clearly stating the need to restrictively endorse checks processed through Mobile Deposit.

    16. Endorsement / Indorsement. You agree to restrictively endorse all items captured and submitted using Mobile Deposit.
  1. Endorsement / Indorsement means the payee’s signature and/or depository account information on the back of check indicating that the payee has received the check..
  2. Restrictive Endorsement/Indorsement refers to the above endorsement/indorsement to further include the statement “For Mobile Deposit Only at BAC Community Bank”.
  • Definition 19 “Restrictions and Limitations” has been revised to include clearly identify that “no electronically created items” shall be deposited through Business Mobile Banking.
  • Definition 26 has been added to spell out your guarantee that a paper check deposited through Mobile Deposit has not and will not be deposited by any additional means.

    26. Your Warranty to BAC Community Bank. By scanning an item for Mobile Deposit, you guarantee that the item has not already been deposited and will not subsequently be deposited at another institution and you assume all liability for items remotely deposited into your account.

If you have any questions or need further assistance, please contact our Customer Service Department at 1-877-226-5820.

Thank you for banking with BAC Community Bank.