Terms & Conditions

Effective Date: 7/11/2023 

Last Update: 7/11/2023 


The INTERNET BANKING TERMS AND CONDITIONS Agreement(“Agreement”)states the terms and conditions that govern the use of Online Services. Additionally, Online Services are governed by other separate agreement(s) you may have with Bank or any of its affiliates or subsidiaries including,but not limited to, the Account Terms, loan agreements, amendments, and other agreements or changes made to this Agreement. For certain services offered as part of Online Services you may be required to agree to additional terms and conditions or additional agreements. The availability of select Online Services may be limited by your access method, Access Device, qualifying Account, entity type, elected/enrolled services,or additional agreements. Please read this Agreement carefully and in its entirety.

If you have any questions regarding Online Services, our contact information is at the end of this Agreement.

Acceptance of this Agreement

We may disclose information about your accounts. Please refer to our privacy notice, https://www.crossriver.com/privacy-notice, for additional information on how we use customer information and your choices. You will be asked to accept this Agreement, as well as the Account Terms and other related agreements and disclosures. When you accept this Agreement, you represent and warrant that you are an authorized user acting with full authority, and that you are duly authorized to accept this Agreement.


  • The words “Bank,” we,” “our,” and “us” mean Cross River Bank and all its affiliates, subsidiaries, successors, and assigns.

  • The words “you” and “your” mean each account owner and anyone else with access to the account to perform the transactions or receive services covered by this Agreement. If there is more than one owner, then these words mean each account owner separately and all account owners jointly. ”You” and “your” also means any additional entity or individual that has been granted access to Access Credentials by you or an individual or entity who received access to Online Services through an additional agreement.

  • Access Credential(s)” means the customer identification number, password, security code or other means of access to your Account that we establish or provide to you.

  • Access Device” means any electronic device you may use to access Online Services including, but not limited to, a desktop computer, laptop computer, mobile device, tablet, etc.

  • Account(s)” means any one of your qualifying accounts to which we may allow access through the Online Services under this Agreement.

  • Account Terms” means the account agreements provided to you in conjunction with the opening of your Account.

  • Bill Pay” is offered through Online Services to facilitate your payment of bills from your Account(s) to third parties designated by you.

  • Business Day” means Monday through Friday excluding holidays determined by Bank.

  • Branch” is the location that can provide you with assistance with your banking needs such as answering questions and resolving issues. Branch contact information is provided at the end of this Agreement.

  • eStatement” means an electronic bank statement and/or notice.

  • External Account(s)” means a deposit account held at a domestic (United States) Financial Institution other than us.

  • “Financial Institution” A Financial Institution is a company engaged in the business of dealing with financial and monetary transactions, such as deposits, loans, investments and currency exchange and can include any person doing business in one or more of the following capacities: bank (except bank credit card systems); broker or dealer in securities; money service business; telegraph company; casino; card club; a person subject to supervision by any state or federal bank supervisory authority.

  • “Online Services” are the services provided through the internet utilizing an Access Device to access your Account(s) and conduct banking business.

  • “Payee(s)” means the person, business, or other entity to whom your Bill Pay payment will be directed using Online Services, or from whom you receive electronic bills, as the case may be.

  • Service Provider(s)” means any agent, licensor, independent contractor, or subcontractor that we may involve in the provision of the Online Services.


To access Online Services, you should:

  • Have a working Access Device

    • with the most current web browser version;

    • with the most current versions of Apple IOS or Android OS (for mobile app access);

    • with the most current software and features that are suitable for connecting to the internet or for downloading our mobile applications or accessing our mobile website (computer, smartphone, tablet, etc.);

  • Have local, electronic storage capacity and/or printer to retain and/or print electronic documents;

  • Have internet services through an internet service provider;

  • Have an internet browser that will support 128-bit encryption;

  • Have a valid email address for the delivery of electronic notices and disclosures;

  • Have software that allows you to view files in a portable document format (“PDF”).

You are solely responsible for the maintenance, installations, and operation of your Access Device. Neither we nor our Service Providers shall be responsible for any delays, errors, deletions, or failures that occur as a result of any malfunction of your Access Device.

Changes to and Interruption of the Online Services

On a regular basis, we may perform maintenance on our operating systems, which may cause an interruption in or change to the Online Services. We also may need to change the scope of the Online Services from time to time. We will attempt to provide prior notice of any such interruptions and changes but cannot guarantee that such prior notice will be provided. If you find that access to the Online Services is unexpectedly interrupted or unavailable, you should call us for assistance to obtain access. We will attempt to perform maintenance and upgrades to our operating systems that limit the use of the Online Services between 12:00 A.M. to 6:00 A.M. EST on Thursdays and Mondays.


Fees applicable to Online Services may be disclosed within the applicable Online Service or by separate documentation including, fee schedules or in product specific disclosures as provided to you in your account opening documentation or other agreements that apply to your Account(s) and use of the Online Services.

Important Information Regarding Electronic Communication

You understand and agree that all your statements and notices for qualifying Accounts enrolled in Online Services will be provided to you in an electronic format. This is in place of paper statements and paper notices. Also, we may provide you initial and periodic account disclosure information related to the Accounts in electronic format.

If at any time you wish to change your email address or receive a paper copy of your Account statement, you may change your preference within the Online Services, if available, or by contacting the Branch. Additionally, if you are unable to access your statements or to otherwise view any of your Account information through Online Services, you agree to immediately notify us. A fee may be charged for paper copies depending on the Account type or the reason or frequency of your request. eStatements will be available for Accounts for 18 months. Electronic notices are available for 6 months.


Our Online Services are a tool to assist in reviewing whether charges are posting correctly, but we cannot guarantee the accuracy of transactions that are pending, and we are not always able to show transactions until they are permanently paid from your Account(s). Additionally, Online Services are not a replacement for keeping your own register. Processing of transactions occurs at various times; therefore, you should not rely on balances displayed, instead we recommend you record your charges and payments as soon as you make them so you know how much you have available in your Account(s). For further information on calculating your Account balance, please see your Account Terms.


We may offer alerts within our Online Services that provide information about your Accounts via email, automated phone call, push notification, and/or text message on your Access Device. Alerts are subject to terms and conditions you must accept when registering for alert(s). By using our Online Services, you consent to receive the applicable alerts for which you have registered and which may also include alerts for which you are unable to set preferences. You may opt out of receiving alerts at any time by changing your preferences.

We may add or remove alert types at anytime and shall not be liable to you for any such additions or removals. If you change your change your contact information, you are responsible for updating your alerts accordingly. Alerts are not necessarily real time and may be delayed or prevented for a variety of reasons. We do not guarantee the validity or delivery of alerts. You agree that we are not liable for any delays, delivery failure or misdirected delivery of any alert. Additionally, You agree that we are not liable for any of your or any other person’s or entity’s actions or omissions in reliance on an alert. Alerts remain on the system for a limited time (some for only thirty (30) calendar days) and you will not be notified when they are removed.

Message and data rates charged by your wireless telecommunications provider may apply. Contact your mobile service provider for details on these charges. You understand that there are risks associated with using a wireless device for your banking needs, and that in the event of loss or theft, your confidential information could be compromised.

Touch Authentication and Facial Recognition Authentication

If available through your Access Device, we will allow you the option to authenticate into Online Services using touch or facial recognition authentication in place of your login ID and password. To enroll in this feature, you must navigate to the settings menu in your Access Device and complete the enrollment process. The enrollment process will require you to accept the terms and conditions within the application. You will have the ability to disable this feature any time by navigating to the security preferences and disabling the feature within your Access Device.

Fingerprints are encrypted and stored on the mobile device only and are not made available to us or our mobile application provider. It is recommended that you do not allow any other individual’s fingerprints to be enrolled on the device while using this feature. If this is allowed, you understand that the individual(s), whose fingerprints are stored on the mobile device, may have the ability to access to sensitive data and account functionality. Enrollment for touch or face recognition authentication is limited to one Access Credential. You must be registered with touch or facial recognition authentication at the Access Device level to access this feature in the security preferences menu. We reserve the right to disable this feature for Online Services.

Transaction Limitations and Cut off Times for Online Services

Please refer to your Account Terms to determine transaction limits and cut off times that may relate to your account and corresponding services.



Authorization & Protecting your Access Credentials

By directing us to transfer funds or initiate a payment through Online Services, you authorize us to withdraw from the designated Account the amount of funds required to complete the transaction. All requests and instructions received from you through Online Services with respect to transfers, payments, new Account services, changes and changes to existing Account information and any other communications shall be deemed legal endorsements by you. If you willingly give Access Credentials to a third party, you agree that each such person or entity will be acting on your behalf. We are not responsible for managing your third-party relationships. Any agreements between you and a third party are strictly between you and that third party. As permitted by law, we are not liable to you if the third party exceeds their scope of authority. Any transaction performed by the third-party using Access Credentials, even if not specifically intended by you, will be considered a transaction authorized by you. You agree not to give or make available Access Credentials to anyone you do not wish to access Online Services. If you believe that Access Credentials have been lost or stolen or that someone may attempt to use the Online Services without your consent or has transferred money without your permission, you must notify us as soon as possible.

Stop Payments

Only stop payment orders relating to checks are eligible to be requested through Online Services. To request stop payment orders for electronic payments, please contact the Branch. Stop payment orders entered through Online Services are subject to all applicable fees for stop payment orders described in the Account Terms. More information concerning your rights and duties with respect to stop payments is contained in the Account Terms.

A fee will be assessed for each stop payment order processed through Online Services in accordance with the current fee schedules, as may be applicable to your Account.

A stop payment on a paper check can be placed if the item has not been presented for payment. We are entitled to a reasonable period to act upon a stop payment request and may not have the ability to act on any stop payment request if a payment has been processed or presented.

Please refer to the Account Terms for more details regarding stop payments.


Error Resolution

If you notice an error on your statement in relation to your Online Services or an unauthorized electronic transaction, please refer to your Account Terms or your most recent statement to understand your rights and protections.

By using Online Services, you accept the risk that an item may be intercepted or misdirected during transmission. We bear no liability to you or others for disclosure of information through any such interception or misdirection. Please read and follow all instructions when processing an item through Online Services.

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of claims, including by providing, upon request and without further cost, any originals or copies of items deposited through our Online Services and records relating to such items and transmissions.


Cancelation, Modification or Removal of Online Services

We may modify or cancel any Online Services at any time without notice and at our discretion (unless required under other agreements). If we determine unusual or fraudulent activity, except as may be required by law, Online Services may be modified or canceled. You can use the Online Services seven days a week, 24 hours a day; however, some or all features may not be available occasionally due to emergencies, maintenance, or upgrades. In addition, access to the Online Services may be slower at times due to high internet traffic or other factors beyond our control.

We reserve the right to terminate Online Services if you do not log in for a period of one hundred eighty (180) consecutive calendar days.

The termination or cancellation of Online Services shall not affect your liability or obligations under this Agreement.


Transfer Money

Funds Transfers

If you originate a funds transfer and you identify by name and number a Financial Institution and beneficiary, we and every receiving or beneficiary Financial Institution, may rely on the identifying number to make payment. We may rely on the number even if it identifies a Financial Institution, person, or account other than the one named. You agree to be bound by the National Automated Clearinghouse Association rules (“NACHA Rules”). The NACHA Rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account, and the party originating such payment will not be considered to have paid the amount credited. If we receive a payment order to credit an account by wire or ACH, we are not required to give you any notice of the payment order or credit.

Cut off times do apply to Funds Transfers which could impact their availability.


External Transfers

External transfers may or may not be included with your Online Services and this may be limited by your access method, Access Device, qualifying Account, entity type, elected/enrolled services, or additional agreements.

As part of the enrollment process to conduct external transfers, you will need to request approval to add External Account(s). You agree that you will attempt to register only External Accounts that you have the authority to conduct transfer capabilities. Transfers to External Account(s) are subject to certain limitations. Any dollar limits imposed will apply to the total of all transfers to a specific External Account on any given day. Any transfer initiated on a non-Business Day will apply toward the total for the next Business Day. External transfers are processed as ACH transfers and may take up to 3 Business Days to process. We may change your transfer limits at any time. Any decrease will be subject to notice to the extent required by law.

If the external transfer feature is utilized to transfer funds between accounts with us, there will be a delay in funds availability as noted above.


Modifications Funds Transfers

You may modify transfers scheduled to occur at a future date. Any modification must be received before 9:00 p.m. Eastern Time on the day preceding the scheduled transfer date for the modification or cancellation to be effective. You cannot modify a transfer that has already occurred.

Funds transferred through Online Services may not be available for immediate use. The term ‘processing date’ is used by the Online Services permitting funds transfers. Unless otherwise disclosed or defined in a separate agreement and regardless of the process being used to transfer funds, processing date means the date the transaction will begin to be processed, not the date that funds will be available.


Make Payments Liabilities

Liability for Failure to Make Bill Pay payments or Transfers

You will be responsible for any Bill Pay payment or transfer request you make that contains an error or is a duplicate of another. Neither we nor any of our Service Providers will be liable to you if you do not properly follow the applicable instructions. You are required to promptly notify us if you discover that you a payment or transfer was not executed according to your instructions.

If we do not complete a Bill Payment or a transfer to or from your Account on time or in the correct amount according to this Agreement or our other agreements with you (including, but not limited to, all rules and regulations governing your Account), we will be liable for all direct losses associated with the failure, not to exceed the amount of the transfer or payment.

Notwithstanding the foregoing, we will not be responsible for late fees or finance charges imposed by the Payee in excess of the amount set forth in our Bill Payment Service Guarantee above. Additionally, we will not be liable for any losses, including but not limited to, the following:

  • if, through no fault of ours, you do not have enough money in your Account to complete the transfer, or

  • if the Account has been closed or is not in good standing; or

  • if applicable the transfer or payment would go over the credit limit of any Account; or

  • if you do not instruct us soon enough for your transferor payment to be received and credited by its due date; or

  • if you have not given us complete, correct, or current account numbers or other identifying information so that we can properly debit or credit the Account or otherwise complete the transaction; or

  • if your Account has been placed on a hold or freeze status due to legal order or other encumbrance restricting such amount; or

  • if circumstances beyond our control prevent the transfer or payment including, but not limited to, failure of electronic or mechanical equipment or communications lines, telephone or other connection problems, denial of service attacks, normal maintenance, unauthorized access, theft, operator errors, severe weather, earthquakes, fire, floods and strikes or other labor problems; or

  • if the Online Services are not working properly or if it is unavailable and you know or have been advised by us that the system is not working properly or will be unavailable; or

  • if there is a failure in any way on the part of another party or other Financial Institution to the transaction; or

  • if there is an allegation of fraudulent activity concerning the Account; or

  • if you have not provided complete instructions to process the payment or transfer; or

  • if the Payee fails to credit your payment properly after delivery of the payment by us; or

  • if the Payee is not located in the United States or if the payment is intended to satisfy a tax or court-ordered obligation or other government obligation; and/or

  • if the Account Terms otherwise provide that the transfer or payment cannot be completed.

Additional Terms and Conditions


You agree to indemnify and hold harmless us, our officers, directors, employees, and Service Providers from and against any and all claims, damages, losses, liabilities, costs and expenses (including but not limited to attorneys’ fees and court costs) of any nature whatsoever incurred by you or by any third parties arising directly or indirectly from (i) any transactions or attempted transactions on your Account covered by this Agreement, including fraudulent or unauthorized activity on the Account(s) by the use of the Online Services, whether or not the unauthorized or fraudulent transaction(s) are conducted by a third party you provided Access Credentials, (ii) your breach of this Agreement; (iii) the processing of any stop payment request; (iv) any dispute between you and any third party in connection with the use of the Online Services; and (v) any and all actions, suits, proceedings, claims, demands, judgments, costs and expenses (including attorneys’ fees) incident to the foregoing. The terms of this paragraph will survive termination of this Agreement and the Online Services.


Disclaimer of Warranties and Limitation of Damages




If there is a conflict between this Agreement and other agreements related to your Online Services, the specific terms and conditions of the other agreements will control.



You may not assign this Agreement to any other party. We may assign this Agreement in our sole discretion. We may also assign or delegate certain rights and responsibilities under this Agreement to independent contractors or other third parties.


No Waiver

We and our Service Providers shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by us. No delay or omission in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.


Law That Applies

Regardless of where you live or work, or where you access the Services, this Agreement is subject to the federal law of the United States of America, and to the extent such federal law is not applicable (and only to such extent), to the internal law of the state of New Jersey, excluding its conflict of laws rule. To the extent any part of this Agreement is not enforceable, it will not affect the rest of the Agreement, and it will be changed as necessary to comply with applicable law.


Waiver of Trial by Jury

The parties hereby knowingly, voluntarily and intentionally waive any right they may have to a trial by jury with respect to any litigation brought based upon this Agreement, or arising out of, under, or in connection with this Agreement and any agreement contemplated to be executed in conjunction herewith, or any course of conduct, course of dealing, statements or actions of the parties. Such disputes may be tried before a judge only. This provision is a material inducement for the parties entering this Agreement.

Alterations and Amendments

This Agreement, as well as applicable fees and service charges, may be altered or amended from time- to-time. In such event, we will provide notice to you. Any use of the Online Services after we provide you a notice of change will constitute your agreement to such change(s). Further, we may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Online Services most recent revisions and updates.


Ownership & License

You agree that we retain all ownership and proprietary rights in our Online Services, documentation, associated content, technology, and website(s).


You agree to all the provisions of this Agreement (to the extent applicable as provided in this Agreement) by any and all of the following means:

  • using our Online Services;

  • performing any transactions;

  • physically signing this Agreement;

  • causing your company representative to physically sign this Agreement if you are a business entity and/or;

  • completing a separate electronic consent form to receive disclosures and enter into this Agreement electronically.

Your electronic consent or use of our Online Services has the same effect as if you had signed this Agreement with your physical signature or that of your authorized company representative.

You agree and consent that the use of any means to select an item, button, icon or similar act/action while using the Online Services, or in accessing or conducting any transactions regarding any agreement, acknowledgement, consent, terms, disclosures or conditions, constitutes your signature, acceptance and agreement as if actually signed by you in writing. You further agree that no certification authority or other third-party verification is necessary to verify the validity of your electronic signature provided as described above.

Your physical signature, electronic consent, or use of our Online Services is also your acknowledgement that you have received a copy of this Agreement. If you are offered or provided an electronic copy of this Agreement but would like to have a paper copy, please contact us and we will provide a paper copy to you.


In Summary 

We reserve the right to amend the Terms & Conditions at any time. If you have questions, please contact accountsupport@online.crossriver.com