In consideration of the Internet Banking service ("Service") to be provided by Missouri Bank and Trust Company of Kansas City("Bank"), as described from time to time in information distributed by Bank to its customers, the customer agrees as follows. In the agreement, "Customer" refers to the person(s) subscribing to or using the Service. You may use a Personal Computer ("PC") through an Internet connection to obtain account balances, transaction history, and you may also use your service to transfer money between your accounts. Be advised transfers from your savings and Money Market accounts are considered pre-authorized transfers, and pre-authorized transfers are limited to six (6) per monthly statement cycle by federal regulations. You may also pay bills from your checking accounts in the amounts and on dates you request by signing up for Internet Banking Bill Pay ("Bill Pay").

Internet Banking is provided to Bank customers FREE OF CHARGE.

Internet Banking Bill Pay

For business customers, Mobank Business Classic Bill Pay is free and you get unlimited transactions. For Mobank Business Bill Pay Plus it is $5.00 per month and your first 10 transactions are included and it is 50 cents per transaction over 10. 

For non-business customers, Mobank Classic Bill Pay is free with unlimited transactions. Mobank Bill Pay Plus is $5.00 per month with unlimited transactions.

Each checking account from which bills are paid will be charged. You agree to pay fees for the Service in accordance with applicable fee schedules and disclosures established by us from time to time. We may automatically deduct these fees from your Designated Account (checking account from which bills will be paid) or related accounts even if they create an overdraft (there may be additional customary fees associated with this overdraft). Missouri Bank reserves the right to modify the fees, service charges, and terms at any time, effective upon 30 days written notice to you at the same address to which statements are mailed. Use of the Services or attempting to connect to the Services, constitutes your agreement with these fees, service charges, terms, conditions, instructions and any modifications thereof.

Further, materials related to the Services may, from time to time, be revised or updated and these changes may render the prior version obsolete. Consequently, we reserve the right to cancel your Services and/or limit access to more recent versions and updates.

Each individual who has access to Missouri Bank’s Internet Banking, including each individual named on joint accounts, must designate a user code and Password. You will be required to change your Password every six (6) months to enhance security.

You may use Service to transfer money between certain of your accounts with us. You may choose whether you want the transfer to be (1) immediately (which means it is a one time transfer that will occur on the same business day as we receive your request); or (2) on a recurring basis (which means that it will occur in the same amount on the same frequency). Once started, recurring transfers will be made automatically until you tell us in writing to stop or cancel the service and we have a reasonable opportunity to react. If your transfer request reaches us after 6:00pm CST or on a day that is not a business day, it will be considered received on the next business day.

All payments and transfers made with Internet Banking will appear on your monthly account statement. The amount and date of the transaction will be shown for each transaction made through the Service during that month.

You are solely responsible for the equipment (including, in the case of Internet Banking, your personal computer and software) you use to access the Service. We are not responsible for errors or delays or your inability to access the Service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the Service nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

The Service is available 24 hours a day, seven days a week, except during maintenance periods, for the scheduling of transfers and account inquiry. If your transfer or Bill Pay request reaches us after 6:00pm CST or on a day that is not a business day, it will be considered received on the next business day. Business days are Monday through Friday, excluding federal holidays. We reserve the right to change service hours at any time.

Security of your transactions is important to us. Use of the Service will therefore require a password. If you lose or forget your password, please call (816) 881-8270.

We may accept as authentic any instructions given to us through the use of your password. You agree to keep your password secure, and to notify us immediately if your password is lost or stolen, or if you believe someone else has discovered your password. You agree that if you give your password to someone else, you are authorizing them to act on your behalf, and we may accept any instructions they give us to make transfers or otherwise use the Service. Internet Banking enables you to change your password and requires that you do so every six (6) months. We may be liable for certain security breaches to the extent required by applicable law and regulation. We do not assume any other liability or otherwise guarantee the security of information in transit to or from our facilities. Please note that we reserve the right to (1) monitor and/or record all communications and activity related to the Service; and (2) require verification of all requested transfers in the manner we deem appropriate before making the transfer (which may include written verification by you). You agree that our records will be final and conclusive as to all questions concerning whether or not your password was used in connection with a particular transaction. If any unauthorized use of your password occurs you agree to (1) cooperate with us and the appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide reasonable assistance requested by us in recovering any unauthorized transfer of funds.

Tell us AT ONCE if you believe your password has been lost or stolen. Telephoning is the best way to minimize potential loss. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days, you can lose no more than $50. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the 60 days, if we can prove that we could have prevented someone from taking the money if you had told us in time. If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (816) 881-8270 during normal business hours (Monday thru Friday 8:30am to 4:30pm CST). WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL.

In case of errors or questions about your electronic transactions, telephone us at 816-881-8270 during normal business hours, or contact us at:

If you tell us verbally, we may require you to send us your complaint or question in writing within ten (10) business days following the date you notified us. We will determine whether an error occurred within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after the first deposit to the account was made) after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days (twenty (20) business days if the notice of error involves an electronic fund transfer to or from the account within thirty (30) days after first deposit to the account was made) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account.

If we determine there was no error, we will reverse the previously credited amount, if any, and we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we used in our investigation.

We may disclose information to third parties about your account or the transactions you make:

If you want to terminate your access to Internet Banking, call us at (816) 881-8270. After receipt of your call, we will send a written termination authorization for your signature and returned to us. RECURRING TRANSFERS WILL NOT NECESSARILY BE DISCONTINUED BECAUSE YOU TERMINATE ACCESS TO THE SERVICE. IF YOU WANT TO MAKE SURE THAT RECURRING TRANSFERS BETWEEN ACCOUNTS ARE STOPPED, YOU MUST TELL US. NOTIFY THE BANK IN WRITING AND SPECIFICALLY REQUEST THE TERMINATION OF THE TRANSFER(S).

We reserve the right to terminate the service, in whole or in part, at any time with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Service in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your password as an indication of an attempted security breach. Termination of the Service does not affect your obligations under this Agreement with respect to occurrences before termination.

Except as otherwise provided in this Agreement or by law, we are not responsible for any loss, injury, or damage, whether direct, indirect, special or consequential, caused by the service or the use thereof or arising in any way out of the installation, operation, or maintenance of your PC equipment.

No waiver of the terms of this Agreement will be effective, unless in writing and signed by an authorized officer of the Bank.

You may not transfer or assign your rights or duties under this Agreement.

The laws of the State of Missouri shall govern this Agreement and all transactions hereunder. Customer acknowledges that he/she has reviewed this Customer Agreement, understands the terms and conditions set forth herein, and agrees to be bound hereby.

We can change a term or condition of this Agreement by mailing or delivering to you a written notice at least thirty (30) days before the effective date of any such change. We do not need to provide you with any prior notice where an immediate change in the terms or conditions of this Agreement is necessary to maintain or restore the security of our system or an account. However, even in these cases, if the change is to be made permanent, we will provide you with a notice of the change with the next regularly scheduled periodic statement we send you, or within thirty (30) days, unless disclosure would jeopardize the security of our system or an account. Notices mailed or delivered to you under this paragraph will be considered effective if mailed to the same address to which your statements are mailed, or to an e-mail address in which you authorized to receive such notices and/or disclosures.

Customer, in consideration of being allowed access to the Service, agrees to indemnify and hold the Bank harmless for any losses or damages to the Bank resulting from the use of the Service, to the extent allowed by applicable law.

By accessing the Service, you hereby acknowledge that you will be entering a protected web site provided by the Bank, which may be used only for authorized purposes. The Bank may monitor and audit usage of the Service, and all persons are hereby notified that use of the Service constitutes consent to such monitoring and auditing. Unauthorized attempts to up-load information and/or change information on these web sites are strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986.

You authorize us to follow the payment instructions that we receive through your use of the Bill Pay. When we receive a payment instruction, you authorize a debit to your Designated Account with us on dates scheduled by you. The date a payee credits a payment depends upon the payee’s payment processing procedures and any specific requirements for payments and delays. We will not be responsible for delays in crediting payments which are the result of these procedures, or your failure to follow a payee’s payment requirements, or your failure to schedule a date to initiate sufficiently in advance of the date a payment is due, or delays in any mail service or other exceptions stated in this Agreement. You further agree to the following with respect to the Bill Pay service: