Mobile Banking


Andrew Johnson Bank - Mobile Banking Agreement




This Mobile Deposit Agreement (the “Agreement”) is entered into by Andrew Johnson Bank (the “Financial Institution”) and you (the “Consumer”). The Agreement governs your use of the Mobile Deposit Service offered by Andrew Johnson Bank (the “Service”). By enrolling to use the Service, you agree to be bound by the terms and conditions contained in this Agreement:


Description of Service: Andrew Johnson Bank Mobile Banking is a Service that allows our Online Banking (personal and small business) customers to access account information, pay bills, transfer funds between accounts and more. To use the Service you must be enrolled in Online Banking and have a compatible wireless web-enabled cell phone or tablet. Some features of the Service, such as Mobile Banking Deposit, can only be accessed through the Andrew Johnson Bank Mobile Banking App, and may be restricted to just personal accounts.


We reserve the right to modify the scope of this Service at any time and to upgrade or change the various functions. We also may offer additional functions for this Service in the future. If we do, we will update this Agreement, as necessary, and send notification to the email address associated with your Online Banking account. You are responsible for updating your email address in Online Banking.We also will make the revised Agreement available in our branches and on our App Service. Your use of the Service after such notification will constitute your acceptance of the new terms and conditions of the Agreement.  When you enroll in this Service, you will be able to use your wireless device to access designated accounts, payees and other information linked to your Online Banking Service.


Andrew Johnson Bank also offers our customers mobile access to their account information (e.g., for checking balances and last transactions) over SMS text using a non-web enabled phone. Enrollment requires identification of the user's banking relationship as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Additionally, customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. Message & Data rates may apply. Customers will be allowed to opt out of this Service at any time.


Use of Service: Use of this Service requires your Online Banking login information (Online ID, Online Password and personal security questions). You agree to make certain that you understand how to use the Service before you actually do so. You also agree to use this Service in accordance with the instructions provided in our Online Banking & Online Bill Pay Terms and Conditions. You also accept responsibility for making certain that you know how to use your wireless device. We will not be responsible for any losses caused directly or indirectly by your failure to properly use the Service or your wireless device.


Fees: Andrew Johnson Bank offers the benefits and convenience of the Service to you at no charge to you at this time; however the Bank reserves the right to charge fees for the Service in the future. Your wireless carrier may charge for text messaging, web access, data transfer and other related services. Check with your carrier for information about any fees that might be imposed.


To stop the Service: To stop the messages from coming to your phone, you can opt out of the Service via SMS. Just send a text that says "STOP" to this number: 96924. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.


Wireless Device & Carrier: Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless. If we identify any cell phone or other wireless device as a compatible device for use with this Service, we are not endorsing the performance of the device or warranting its ability to operate in a satisfactory manner. You are responsible for the selection of your cell phone or other wireless device, and you must resolve with your wireless carrier and/or equipment manufacturer all operational, performance and cost issues relating to the device. There may be times when newer devices may not be certified to work with our Service.


Privacy and User Information. You acknowledge that in connection with your use of Mobile Banking, Andrew Johnson Bank and its affiliates and service providers, including Fiserv, Inc. and its affiliates, may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with Mobile Banking or the Software (collectively “User Information”). Andrew Johnson Bank and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Andrew Johnson Bank and its affiliates and service providers also reserve the right to monitor use of Mobile Banking and the Software for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content.


Unauthorized Access: You agree that we are entitled to act upon instructions we receive with respect to the Service under your Online ID and Password (“Authentication Method”). It is important for you to notify us if any part of your Authentication Method has been compromised in some manner. Until you do so, we may treat all instructions as having been authorized by you. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under the Online Banking and Online Bill Pay Agreements and this Mobile Banking Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. By accessing Mobile Banking with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law(s) and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, transfers, deposit transactions, checks deposited, check images or any other communication you provide us through the Service using your Authentication Method. If you believe that any part of your Authentication Method has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Bank at once by calling us at 877-425-2265 or by writing to us at: Andrew Johnson Bank, E-Banking Support, PO Box 907, Greeneville TN 37744


Restrictions on Use. You agree not to use Mobile Banking or the Software in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, “spam,” and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use Mobile Banking or the Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party’s intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its clients or subscribers; (iii) material or data, that is illegal, or material or data, as determined by Andrew Johnson Bank (in its sole discretion), that is harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of Andrew Johnson Bank or any third-party service provider involved in the provision of Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose Andrew Johnson Bank, any third-party service provider involved in providing Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of Fiserv or any third party. You agree that you will not attempt to: (a) access any software or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of Mobile Banking or the Software, the security of Mobile Banking or the Software, or other customers of Mobile Banking or the Software; or (d) otherwise abuse Mobile Banking or the Software.


Use of Google Maps: You agree to abide by the Google terms and conditions of use found at and the Google Legal Notices found at notices_maps.html, or other URLs as may be updated by Google.




Mobile Deposit: This Service uses a smartphone camera to take a picture of the front and back of each check and submit the images electronically to make deposits to your checking or savings accounts.  When capturing the images, visual brackets provide a guide for centering the check. Each check image is analyzed for quality upon submission; if the image does not pass, the customer is immediately notified and they can re-capture the check image. Customers can cancel the transaction at any time during the mobile deposit process. However, once the transaction has been submitted, it cannot be canceled.


Eligible items:  We can accept checks payable to you, drawn on a U.S. Bank. We cannot accept: checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into, checks payable jointly unless deposited into an account in the name of all payees, traveler’s cheques, money orders, checks drawn on a financial institution located outside the U.S., checks not payable in U.S. currency, substitute checks, or returned checks, checks dated more than 6 months prior to the date of deposit.


Image Quality Requirements:  The check images presented to the bank must accurately represent all information on both sides of the checks and check images must contain proper endorsements.
Deposit Limits: You may deposit up to $2,500 a day. 


Endorsement: You agree to endorse the check as follows; “For Mobile Deposit at AJ Bank”.


Funds Availability & Cutoff Time:  If you make a deposit before 3:45 p.m. Eastern Time on a business day that we are open, we will consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. Your funds should be available within 2 business days.  Customer is responsible for verifying that deposits have posted to the appropriate account. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the seventh business after the day of deposit. A notice will be sent to you if a hold is placed on any deposited funds. For more information, please refer to our Funds Availability Policy Disclosure.


Rejection of Deposits: You agree that all deposits received by us are subject to verification and final inspection and may be rejected by us in our sole discretion, and you shall be liable to the Bank for any errors, inaccuracies, breach of warranties and any other loss sustained by, or claim made against the Bank relating to such deposits. The Bank is not liable for any Service or late charges that may be imposed against you due to the Bank’s rejection of any check that you transmit for deposit through Mobile Deposit. In all cases, you are responsible for any loss or overdraft plus any applicable fees to your account due to a check being returned. You acknowledge and agree that, while we normally provide notice of rejected deposits, we may reject any check transmitted through Mobile Deposit in our sole discretion without notice to you, and we will not be liable for any such rejection or failure to notify you of such rejection. If we reject a check for Mobile Deposit, you must physically deposit the original check; you may not attempt to re-deposit it through Mobile Deposit.


Checks Returned: You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the payor financial institution. Andrew Johnson Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. If the funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back return an image of the check or substitute check or other electronic or paper debit, as applicable, to your account. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks.


Errors: You agree to notify the bank of any suspected errors regarding items deposited through the Service immediately, and in no event later than 30 days after we send you the account statement on which the error appeared. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Andrew Johnson Bank, e-Banking Support, PO Box 907, Greeneville, TN 37744 or telephoning us at 877-425-2265. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Deposit Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy.


Retention/Destruction of Original Items:  After verifying the deposit has been received, you agree to mark such check as “DEPOSITED” and securely store and retain the check(s) for at least 30 calendar days from the date of the deposited item. During this period you agree to promptly provide the check to the bank if requested.  After 30 days, you agree to shred the deposited items.


Cancellation of Mobile Deposit: We reserve the right to cancel your access to Mobile Banking Deposit at any time and without notice.


Presenting Checks More Than Once: Once you have used Mobile Deposit to deposit a check, and that check has been accepted, you agree not to present, or allow anyone else to present, that original check or a substitute check of that original check again for deposit through Mobile Deposit or by any other means. If you or anyone else present a check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any checks that that are deposited more than once. If the funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion.


Availability of Service/Contingency: In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms or the procedures for any reason, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.


Questions: You can contact us at 877-425-2265. We will answer any questions you have about the Services offered in Mobile Banking.




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