CENTERSTATE BANK ONLINE SERVICES

AGREEMENT AND DISCLOSURE

We suggest you carefully read this document and print a copy for your records.  Once you have completely reviewed the information contained herein, click “I Accept” to signify your agreement and to begin taking advantage of the many benefits of online services.

INTRODUCTION

This Agreement (“Agreement”) governs the use of the CenterState Online Banking, CenterState Mobile Banking including the terms and conditions of the Bill Pay Service and the Online Statement Delivery Service, and is made and entered into by and between CenterState Bank (“Bank”) and each person (i) who signs CenterState’s signature card for the Account, (ii) who is referenced on the CenterState’s records as an owner of the Account, (iii) whose signature appears on a credit card or credit line application and/or credit card, or (iv) who is referenced on CenterState’s records as an owner of the Account (“Customer,” also referred to as “you”). Each Customer is jointly and individually liable for all transactions initiated through the Service, including overdrafts, even if the Customer did not participate in the transaction that resulted in the transaction.

Accounts Summary Page

The Accounts Summary page provides a summary of your accounts and the transactions scheduled to occur within the next 30 days. You also have convenient access to important information such as the Message Center and Payment Guarantee.

Message Center

In the Message Center you will have immediate access to important service updates and account alerts. You can also use the Message Center to send direct, secure messages to our Customer Service team. Unlike regular Internet e-mail, these messages are protected by encryption and verification technology, so any confidential information cannot be intercepted by unauthorized persons.

Reading Messages

After you log into the service, look at the Messages box in the upper right portion of the screen. You will see an envelope icon, along with a link indicating the total number of new messages and alerts you have received. If you have new messages, you can read them by clicking on the “Messages” link.

After reading a message, you can reply to it by clicking on the “Reply” button, or delete the message by clicking on the “Delete” button.

After reading an alert, you can delete it by clicking on the “Delete” button.

All messages will be kept in the Message Center for 90 days and alerts for 30 days unless you delete them.

Composing Messages

From the Message Center screen, click on “Compose Message” link.

Tell us what your message is regarding by selecting the subject from the dropdown menu, then enter the content of your message in the Message box. Be sure to include as much information as possible for inquiries about completed payment transactions. Finally, click on the “Submit” button.

Deleting Messages

Messages can be deleted by checking the check box next to the message(s) that you would like to delete and then clicking the “Delete Selected” button.

Last Login date/time

The Last Login stamp appears on the Overview page and is a security feature designed to help monitor the access of your online accounts. Please note that the Last Login stamp will also reflect log in activity if:

  • You share your User ID and Password with another person.
  • You use a third-party account aggregation service that automatically logs in to your account for balance and transaction updates.

If you have questions related to the time or date your account was accessed last, please contact Customer Service.

Customer Service

For your convenience, Customer Service is available by calling 800-786-7749 anytime. You can also use the Message Center to send direct, secure messages to our Customer Service team. Unlike regular Internet e-mail, these messages are protected by encryption and verification technology, so any confidential information cannot be intercepted by unauthorized persons.

Account Activity

The Account Activity screen allows you to review your account statement and get information about each of your online accounts, such as checks cleared, ATM activity, deposits, and online transactions. (You can review transactions made using this service from the Online Activity page.)

You can select the account to view by selecting the account in the Account drop down menu.

The default display will show you the past 30 days of transaction history. To view transactions from a different period of time, click on the “Viewing Last 30 Days” link. A window will appear where you can select a different time period to view. Some transactions may appear on subsequent pages. Use the page controls to move between pages or to display additional transactions on each page.

To change the sort order of the displayed transactions, simply click on the column you wish to sort by, such as Date, Description, Check Number (if applicable) or Amount. Click the column heading a second time to reverse the sort order.

To view additional details about the account, select the Account Details link. You can also change the account nickname as it is displayed in Online Banking here.

Exporting Data

If you like to manage your money through this service as well as another financial management software tool, you can easily export information from our service and load it into Quicken® or Microsoft Money® . The transactions you initiate through our service can be exported into a .qif or a CSV file. Older versions of Quicken software (Quicken 2004 and earlier) and Microsoft Money can import a .qif formatted file. CSV (Comma Separated Value) files can be opened by Microsoft Excel® and other financial and spreadsheet applications.

From the Payment Activity page or Account Activity page, click on the “Export Data” link. Select the file format and date range of transactions desired. You can then save the file and import it into the software of your choice.

To view additional options available for the account selected in the drop down list, click on the More link.

To view the image of a check that has been paid, click on the check number in the Check column. To search for a specific check image, click on the View Check link.

To view or enroll for electronic statements, click on the View Statement link.

Stop Payment Request

If you have written a check from your account and you wish CenterState Bank to attempt to stop payment on this check, select the option Stop Check Request from the Account Activity page. Enter the information about your check(s) on the screen and click “Submit” to send this request to us for review.

We will contact you to confirm that the stop request has been accepted within two business days.

If you wish to stop payment on a payment made through our bill payment service, go to the Online Activity page, view your Processed Transactions and click on the Inquire link or contact us at 800-786-7749.

Ending Your Online Session

Click on the “Log Out” button (top right corner) to end your session. We recommend that you always click on the “Log Out” button, rather than just closing your browser window, to ensure that you are fully logged out of your secure session.

Session Time-out

If your online session is inactive for approximately 14 minutes (that is, if you have not submitted any transactions or clicked on any new pages), you will receive a message, warning that you will be logged off soon if there is no further activity. Clicking “Continue” upon receiving the message will allow you to proceed with your online activity and will refresh the system. If no further activity occurs, the system will automatically save and send any transactions you made and terminate the session. The online service is designed this way to provide you with maximum security in case you forget to log out.

Create New Transfer

You can transfer funds between any of your accounts that are designated as transfer accounts. You can schedule transfers to be made today or up to one year in the future. You can also schedule recurring transfers of fixed amounts to occur at regular intervals for up to 40 years.

To schedule a one-time transfer select the account you wish to transfer funds to and the destination account from the drop down menus. Enter the amount of the transfer and the date you wish the transfer to occur. To change the Transfer date, either click on the calendar icon or simply enter a new date. If you would like this transfer to occur automatically at a set interval, click on the “One Time” link next to frequency and select the preferred frequency and how many transfers should occur or an end date for when the transfers should stop. Click Continue to review your transaction. You must click Submit on the Review Transfer screen in order for the transfer to be processed.

Transfers to and from accounts that you have with us are processed (debited and credited) on the day that they were scheduled.

Review Transfer Page

The Review Transfer page allows you to make sure you entered the correct information prior to submitting your transfer request. To edit your transfer, click the “Edit Transfer” button at the bottom of the page. When you have reviewed your payment information, click the “Submit” button. Once submitted you will see a confirmation message that your transfer was successfully submitted. This confirmation message includes a reference number. The reference number is displayed on the Transfer Activity page and the Online Activity page, and is your electronic receipt that the payment request was submitted.

Transfer Activity Page

The Review Transfer page allows you to make sure you entered the correct information prior to submitting your transfer request. To edit your transfer, click the “Edit Transfer” button at the bottom of the page. When you have reviewed your payment information, click the “Submit” button. Once submitted you will see a confirmation message that your transfer was successfully submitted. This confirmation message includes a reference number. The reference number is displayed on the Transfer Activity page and the Online Activity page, and is your electronic receipt that the payment request was submitted.

Changing a Transfer

From the Transfer Activity or the Online Activity page, you can change the dates, amounts, and the accounts to use for transfers that you scheduled earlier in this online session or in a previous session.

Click on the “Edit” link next to the transfer that you want to modify. The details of the transfer you selected will be displayed. If you selected a Recurring transfer, you will be prompted to select whether you want to change all of the scheduled recurring transfers or only the next transfer in the series. Enter the changes you wish to make in the appropriate fields. Then click on the “Submit” button and note the reference number that appears on the screen; this will serve as your electronic receipt. Any changes you made will now appear on the Transfer Activity page.

Deleting a Transfer

From the Transfer Activity page, you can delete transfers that you scheduled earlier in this online session or in a previous session.

To delete a transfer, click on the “Edit” link next to the transfer that you want to delete. If you selected a Recurring transfer, you will be prompted to select whether you want to delete all of the scheduled recurring transfers or only the next transfer in the series. The details of the transfer you selected will be displayed. Click on the “Delete Transfer” button. You must verify that you wish to delete the transfer by clicking Submit. You will receive a confirmation message that your change has been accepted.

Create New Interbank Transfer

To transfer funds to or from your account at another institution, simply select the account in drop down list. (See Add Interbank Transfer for information on how to add accounts.)

To schedule a one-time transfer, select the account you wish to transfer funds from and the destination account from the drop down menus. Enter the amount of the transfer and the date you wish the transfer to occur. The default date that is displayed will represent the earliest available date for the transfer. To change the Transfer date, either click on the calendar icon or simply enter a new date. If you would like this transfer to occur automatically at a set interval, click on the “One Time” link next to frequency and select the preferred frequency and how many transfers should occur or an end date for when the transfers should stop.

Interbank transfers where you pull money from your accounts at other financial institutions to deposit into this account will take approximately 5 business days to complete, and transfers that you make to your accounts at other financial institutions from this account will take approximately 2 business days to complete. While an interbank transfer is being processed it will not appear on the Scheduled Transfers screen.

Scheduling an Interbank Transfer using the Calendar

When using the calendar scheduling icon, roll your cursor over the date that you want the payment to be delivered. This is called the Deliver By date. The corresponding Send On date will be displayed. You can select a Deliver By date on any day of the week, including weekends. Selecting a deliver by date will close the calendar window.

If you have chosen to make a transfer from an account at our institution to an account at another institution, the Send On date is the day that funds will be removed from your account with us. The Deliver By date is the date that the funds will be received by the receiving institution.

If you have chosen to make a transfer from an account at another institution to an account with us, the Send On date is the day that the fund transfer process will be initiated. The actual date that funds are deducted from the account at the other institution is determined by that institution. The Deliver By date is the date that the funds will be received by us.

Interbank transfers where you pull money from your accounts at other financial institutions to deposit into this account will take approximately 5 business days to complete, and transfers that you make to your accounts at other financial institutions from this account will take approximately 2 business days to complete. While an interbank transfer is being processed it will not appear on the Scheduled Transfers screen.

Add Interbank Account

You can transfer funds to and from accounts that you have at other financial institutions within the United States. To set up an account to enable interbank transferring, simply click on the Transfers tab and then click on the “Add Interbank Account” link. Complete the form, print it, and mail it to the address provided. It may take up to 15 business days to process your request to add an interbank transfer account. In addition, you must complete a separate form for each account that you would like to set up for transferring purposes.

It is important to note that once an interbank transfer account becomes available, you will not receive balances or account statement for these accounts. They only can be set up for the purpose of transferring funds.

Interbank transfers where you pull money from your accounts at other financial institutions to deposit into this account will take approximately 5 business days to complete, and transfers that you make to your accounts at other financial institutions from this account will take approximately 2 business days to complete. While an interbank transfer is being processed it will not appear on the Scheduled Transfers screen.

Payment Basics

To make payments through Online Banking you must have an eligible account, such as a checking account that has been enabled for online use.

You can pay virtually anyone at any time using the Payment Center. You have the following payment options:

  • Schedule one-time payments (the deliver by date can be up to one year in the future)
  • Schedule recurring payments to occur at regular intervals

We always recommend that you schedule your payments to be delivered on or before the due date of the payment.

Payment Center

The Payment Center allows you to schedule, change, and delete payments, as well as perform payment inquiries.

There are two options for scheduling payments in the Payment Center. “Pay a Bill” allows you to pay one bill at a time. “Pay Multiple Bills” allows you to make payments to one or several payees at a time. If you are currently using the “Pay a Bill” option and you would like to switch to “Pay Multiple Bills”, click on the “Pay Multiple Bills” bar at the top of the page. To switch to “Pay a Bill”, click on the “Pay a Bill” bar at the bottom of the page. The bill pay application remembers your preferred view and will display it the next time you access Online Banking.

Pay A Bill is a simplified view that allows you to schedule one bill payment at a time. To get started, select a payee from the drop down box.

The Pay Multiple Bills view lists all of your Payees with specific information on each Payee. From this view, you can quickly and easily schedule payments to as many payees as you like.

You can choose how much information you would like to view each time you visit the Payment Center. Generally, when you begin to enter payment information, your last completed and next scheduled payment will display for your convenience. By selecting the Bill Pay Preferences link, you can choose to view more or less information each time you visit the Payment Center. You may update your preference at any time.

Scheduling Payments

To make a payment, click on the “Bill Pay” tab and go to the Payment Center. Payments can be scheduled using the Pay A Bill or the Pay Multiple Bills view.

Funding Accounts

If multiple funding accounts are available, select the account from which you would like the payment(s) to be made. If you wish to fund either one-time or recurring Payments from an eligible account other than your primary [default] account, select a different funding account from the drop down box. If you would like to make multiple payments using multiple funding accounts, you will need to make payments using each funding account separately.

One-time payment

To schedule a one-time payment, find the payee you wish to pay and enter the amount of the payment. Next, select the date you wish the payment to arrive, referred to as the Deliver By date. The earliest Deliver By date is pre-populated in the input box. To change the Deliver By date, either click on the calendar icon or simply enter a new date.

Scheduling payments using the Calendar

When using the calendar scheduling icon, roll your cursor over the date that you want the payment to be delivered. This is called the Deliver By date on our bill payment service. The corresponding Send On date, or date on which the funds will be withdrawn from your account, will be displayed. You can select a Deliver By date on any day of the week, including weekends. Selecting a deliver by date will close the calendar window.

Payment Memo

You can enter notes to yourself about your payments in the Memo field. Memos will not be sent to the payment recipient but are saved with the payment in the bill pay application for your future reference.

Detail Payee Information

To access detailed information about any of your payees, click on the payee name in the Pay Multiple Bills View in the Payment Center. The Payee Information Window will then appear and provide you with a summary of your payee information, including the address, account number, eBill status, and recent payment activity. To view or edit detailed information about the payee, click the “View/Edit Payee Details” button.

Recurring Payments

Setting up automatic Recurring Payments makes paying bills with fixed amounts, such as mortgages, auto loans, and day care payments a snap. To schedule a recurring payment, enter the amount of the payment. Click the “One-Time” link in the Frequency column. A new window will appear that will help you quickly set up your recurring payment.

In the Recurring Payments window, click the button next to the “Recurring Payments” option. Next, select the frequency with which you would like the payment to be delivered (for example weekly or monthly).

Next select one of the End Date options:

  • Select the Deliver by Date of the last payment in the recurring series
  • Select the number of payments you would like to send, and the end date will be automatically calculated

Finally, click “Continue” to close the Recurring Payments window.

If the Deliver by Date for your recurring payment falls on a weekend or holiday, the Deliver by Date will be adjusted to the previous business day.

Hiding and Un-hiding Payees

The Pay Multiple Bills view allows you to select whether to display all your payees or a select list. For example, you may only wish to see the payees that you pay most frequently in the payment center. You may toggle between these options by clicking “Viewing x of x payees” link (if you have 8 payees, the link will say “Viewing 8 of 8 payees”). When clicked, an Edit Display window will appear that lists all of your payees. The payees currently displayed on the Multiple Payments View will be checked in the Display column. To hide particular payees, uncheck the boxes to the left of the payees and click “Submit”. You can unhide the payees at any time.

There are no Processed Payments to display.

It is important to click the “Continue” button after you have scheduled of all your payments from the Payment Center screen. If you do not click the “Continue” button, the payment information you have set up will not be saved. Upon clicking the “Continue” button, you will be taken to a page where you can review the information you have entered.

Review Payment(s) Page

The Review Payment page allows you to make sure you entered the correct payment information prior to submitting your payments. To edit any of your payments, click the “Edit Payment(s)” button at the bottom of the page. When you have reviewed your payment information, click the “Submit” button. Once submitted you will see a confirmation message that your payments were successfully submitted. This confirmation message includes a reference number. The reference number is displayed on the Payment Activity page and is your electronic receipt that the payment request was submitted.

Insufficient Funds

If a payment fails due to insufficient funds, an in-session and internet email alert will be sent and the bill pay service will automatically attempt to retry the payment on the next business day. If the payment is successful on the next business day, no further notification is sent. If the payment fails on the retry, a second online banking message will be sent. No additional automatic retries will be attempted.

Online Activity

The Online Activity page allows you to view transfers and payments that have been processed within the past 365 days as well as upcoming transactions. In the Scheduled Transactions section, all one time scheduled transfers and payments and the next transaction in any recurring series will be displayed. You have the option of editing any of these transactions to include changing the frequency, or deleting the transaction.

The Processed Transactions section displays transfers and payments that have been processed or have begun to be processed. Processed transactions can no longer be edited or deleted. The default display will show you the past 30 days of processed transactions. To view transactions that have been processed over a longer period of time, click on the “Viewing Last 30 Days” link. A window will appear where you can select a different time period to view. If you have more than 20 processed transactions in the selected time period, some transactions will appear on subsequent pages. Use the page controls to move between pages or to display additional payments on each page.

If you have paid an eBill using our service, the words Paid (eBill) will appear in the status column next to that payment.

Changing a Payment

From the Payment Activity page, you can change the dates, amounts, and the account to use for payments that you scheduled earlier in this online session or in a previous session.

Click on the “Edit” link next to the payment that you want to modify. An image with the details of the payment you selected will be displayed. If you selected a Recurring payment, you will be prompted to select whether you want to change all of the scheduled recurring payments or only the next payment in the series. Enter the changes you wish to make in the appropriate fields. Then click on the “Submit” button and note the reference number that appears on the screen; this will serve as your electronic receipt. Any changes you made will now appear on the Payment Activity page.

A few exceptions apply:

  • If you submitted a payment and the Send On date was today, you may only change that payment during the session that you submitted it.
  • If you want to change the Payee for a scheduled payment, you must first delete the payment and then schedule a new payment to a different payee.

Note: If you selected a Recurring Payment and changed This Payment Only, the changed payment appears separately in the list of scheduled payments.

Deleting a Payment

From the Payment Activity page, you can delete payments that you scheduled earlier in this online session or in a previous session.

To delete a payment, click on the “Edit” link next to the payment that you want to delete. An image with the details of the payment you selected will be displayed. Click on the “Delete Payment” button. If you selected a Recurring payment, you will be prompted to select whether you want to delete all of the scheduled recurring payments or only the next payment in the series.

An exception applies:

  • If you submitted a payment and the Send On date was today, you may only delete that payment during the session that you submitted it.

Changing a Transfer

From the Transfer Activity or the Online Activity page, you can change the dates, amounts, and the accounts to use for transfers that you scheduled earlier in this online session or in a previous session.

Click on the “Edit” link next to the transfer that you want to modify. The details of the transfer you selected will be displayed. If you selected a Recurring transfer, you will be prompted to select whether you want to change all of the scheduled recurring transfers or only the next transfer in the series. Enter the changes you wish to make in the appropriate fields. Then click on the “Submit” button and note the reference number that appears on the screen; this will serve as your electronic receipt. Any changes you made will now appear on the Transfer Activity page.

Deleting a Transfer

From the Transfer Activity page, you can delete transfers that you scheduled earlier in this online session or in a previous session.

To delete a transfer, click on the “Edit” link next to the transfer that you want to delete. If you selected a Recurring transfer, you will be prompted to select whether you want to delete all of the scheduled recurring transfers or only the next transfer in the series. The details of the transfer you selected will be displayed. Click on the “Delete Transfer” button. You must verify that you wish to delete the transfer by clicking Submit. You will receive a confirmation message that your change has been accepted.

Payment Inquiries

From the Payment Activity page, you can submit questions about any of your payments to our Customer Service team. To inquire about a payment, find the payment in the Processed Payments section. Click the “Inquire” link next to that payment’s information.

If the payment was processed more than 30 days ago, click on the “Viewing Last 30 Days” link on the right side of the Processed Payments bar. A window will appear where you can select to view up to 540 days.

Enter the reason for the payment inquiry and all required information, and then click “Submit”.

Exporting Data

If you like to manage your money through this service as well as another financial management software tool, you can easily export information from our service and load it into Quicken® or Microsoft Money® . The transactions you initiate through our service can be exported into a .qif or a CSV file. Older versions of Quicken software (Quicken 2004 and earlier) and Microsoft Money can import a .qif formatted file. CSV (Comma Separated Value) files can be opened by Microsoft Excel® and other financial and spreadsheet applications.

From the Payment Activity page or Account Activity page, click on the “Export Data” link. Select the file format and date range of transactions desired. You can then save the file and import it into the software of your choice.

Unclaimed Payments

An unclaimed payment is a check payment that is correctly sent to a payee, but is never cashed by the payee. It is our policy to return that money to you in full.

Payments can be unclaimed for several reasons. Most often, an unclaimed payment arises when you send a payment to a friend or acquaintance using Online Banking and the recipient simply forgets to cash the check. Unclaimed payments can also occur when you submit an online bill payment to a merchant and the merchant posts the payment to your account, but mistakenly does not cash the check.

For your convenience, check payments in the amount of $2,500 or greater are researched with the payee if still outstanding after 30 days.

There is no automatic research performed on payments of less than $2,500 and these payments will be refunded to you if they are still outstanding after 90 days. Researched payments may be reissued to the payee, refunded to your account or allowed to remain outstanding pending further action from the payee. If a check payment in the amount of $2,500 or greater has been researched and is still outstanding after 90 days, it will be automatically refunded. We will also send you a notification via email providing all the payment details so that you can contact the payee if necessary.

If you receive a notification that one of your payments was unclaimed, check to see if your account is current with the merchant. If the merchant does not indicate that you have a past due balance, then you do not need to do anything. If the merchant does indicate that you have a past due balance, you should resubmit the payment as soon as possible. If the payment was sent to a friend or acquaintance, you can reschedule the payment and remind the recipient to be on the lookout for the check.

Payment Guarantee Guidelines

If a properly scheduled payment is not received and posted on time by the payee, we will attempt to have any late fees or assessed finance charges removed. (Finance charges are calculated based on your payment amount rather than your entire balance.) In addition, we will attempt to have your account noted appropriately to ensure that the situation does not negatively impact your credit rating. (NOTE: Please refer to your Electronic Funds Transfer Disclosure for important information on the limitations of reimbursable fees and finance charges.)

The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the following conditions are met:

  1. The payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Send On” date no later than July 1st.
  2. The payment amount did not exceed $25,000.00.
  3. The payment was not made to an excluded payee. These payments are permitted but not guaranteed:
    • Payments to payees located in the Armed Forces Postal Codes such as AE & AP
    • Payments that failed due to insufficient funds or other reasons
    • Payments to settle securities transactions
    • Payments to payoff special or delayed financing for purchases
    • Court-ordered payments such as alimony, child support, speeding tickets, etc.
    • Tax entities
    • Collection agencies
    • Payments to credit counseling agencies who pay creditors on your behalf
  4. The payment was not made to a prohibited payee. Payments to the following payees are not permitted through this service:
    • Payments to payees outside of the United States
  5. The information supplied by you is correct (payee name and address, your name and account number as it appears on the payee’s records).

The Payees tab displays important information about your payees including the account number and eBill enrollment status. You can also use the Payees tab to view current payee information, add a new payee, change payee information, and delete payees that you want to remove from the list.

Payee List

Your Payee List consists of anyone you want to pay using this service.  The list includes the payee, the payee nickname and a portion of your account number, masked for security reasons, with the payee.

You can view your history of payments to each payee by clicking on the Payee Name. The Payee Details window provides a summary of payments made to individual payees and includes the payment date, from account, and amount.

Adding Payees

Before adding payees to the list, you will need to have your recent bills on-hand for reference of pertinent information.

  1. Click on the “Payees” button link (under the Payments tab in the navigation bar) to access the Payees screen.
  2. Click on the “Add Payee” link to open the Add Payee screen.
  3. You will be presented with the option to add one of one of three payee or merchant types. Choose the option that best fits the description of the payee you wish to add and select it by clicking the radio button next to that payee type. The three payee types are:
  4. One of these frequently paid businesses:
    • When selecting this option, you will have the ability to choose from a dropdown list of frequently paid businesses. Click the “Continue” button.
    • You will be prompted to supply additional information on the payee including payee nickname and account number, certain payees may also require full mailing address.
    • Click on the “Submit” button
    • You will now have the option to create a new payment with the payee, add another payee or view your list of payees.
  5. Another Business
    • If the Payee you wish to add is a business and is not listed as a frequently paid business, select the “Another Business” button and then click the “Continue” button.
    • You will be prompted to supply additional information on the payee including payee nickname, account number, and full mailing address.
    • Click on the “Submit” button
    • You will now have the option to create a new payment with the payee, add another payee or view your list of payees.
  6. An Individual
    • If the Payee you wish to add is an individual, select the “An Individual” button and then click the “Continue” button.
    • You will be prompted to supply additional information on the payee including payee nickname, account number (or other identifying information), and full mailing address.If you would prefer to pay directly to the individual’s account rather than sending a payment to their mailing address, click the “Try it now” link. You will be prompted to enter the financial institution name, account number and routing transit number.
    • Click on the “Submit” button and note the reference number that appears on the screen; it is your record that the request has been made.

Payees in the Armed Forces Postal Codes

You can schedule payments to Payees that are located in the Armed Forces Postal Codes such as Armed Forces America (AA) and Armed Forces Europe (AE). While the United States Post Office identifies the Armed Forces Postal Codes within the range of standard domestic mail, the mail that is delivered to these Postal Codes are subject to delays at the military bases. Therefore, payments to Payees in the Armed Forces Postal Codes are not covered under the Payment Guarantee.

eBills Overview and Eligibility

eBills are electronic summaries of your paper bills that are displayed in online bill pay. eBills are available for hundreds of the most popular payees.

To access your bills, the eBill service needs you to provide credentials for each of the bills you would like to receive. The credentials may include user id, password, and security questions that you would use to access your account on the biller’s web site. This information is stored in a secure area and data is encrypted to ensure your privacy. Only you are able to access, view, and change key account information.

To determine if your payees are eligible for eBills, click on the “Payees” tab. You can also view eligibility on the Payment Center. If your payees are eligible for eBills, you will see a link to Enroll in the eBills column.

eBill Enrollment

To enroll in eBills,

  1. Click on the “Enroll” link next to your payee.
  2. Enter the credentials that you would use to access your accounts on the payee’s website, and click “Continue”. The credentials are used to verify account ownership and to obtain the latest bill information.
  3. Read the terms and conditions of the eBill service. If you accept the terms and conditions, click the check box and click “Continue”.
  4. You may have to wait up to 3 minutes for your account information to be retrieved.
  5. If your payee’s website requires that you answer security questions in order to login, you will be presented with those questions. Answer the questions and click “Continue”.
  6. If you have more than one account with the payee, select the account that you wish to receive eBills for. You can only receive eBills for one account per payee.
  7. Select the type of account in the drop down box and click “Submit”
  8. Your request to enroll your eBill is now complete. In most cases, your eBill will be available in 2-4 days. In the event your eBill cannot be added immediately, your eBill enrollment status on the Payment Center will show as Pending.

eBill Errors

If you receive an eBill Error, click the link and follow the steps noted on the pages to resolve this issue. You may encounter the following errors:

  • Your payee’s website may have been unavailable when we were attempting to retrieve the latest bill. The system will automatically attempt to retrieve the eBill, unless you are prompted to provide additional information.
  • Incorrect Login Credentials- click the error link and follow the steps on the pages to update the credentials that you use to access your payee’s site.
  • Encountered security questions during login- Click on the link to provide the information requested.

Description of Features

The eBill Presentment Service is a feature of your Bill Pay Service that allows you to receive an electronic version of your paper bill that you can view and pay online using Online Banking.

  • Accessing eBills from a Third Party
    You are authorizing the eBill Presentment Service to obtain eBill information from the Web site of the payee(s) you designate. For us to provide the service you must provide us with the necessary information needed for this purpose, such as (but not limited to) any user name and/or required password. By doing so, you authorize us to retrieve eBill information on your behalf and you appoint us as agent for this limited purpose.
  • Delivery of eBills
    We take no responsibility if a payee does not provide an updated eBill in a timely manner. If you do not receive an eBill during a given billing period you may be directed to contact your payee directly. Additionally, CenterState Bank is not responsible for direct or incidental fees, penalties, or damages resulting from late payments caused by the late delivery of an eBill.
  • Incorrect eBills
    We take no responsibility if a payee provides incorrect eBill information. If you receive an incorrect eBill during a given billing period you may be directed to contact your payee directly. Additionally, CenterState Bank is not responsible for direct or incidental fees, penalties, or damages resulting from late payments caused by inaccurate information contained within an eBill.
  • Stop eBills
    This service can be cancelled for one or all of your eBills at any time, by clicking the “Unenroll eBill” link of the Payee Details page for the applicable eBill(s). You can also call us at 800-786-7749 for assistance. We will notify you if CenterState Bank or a Payee discontinues/stops offering the eBill Presentment Service.
  • Hours of Access
    You can use the eBill Presentment Service seven days a week, twenty-four hours a day, although some or all services may not be available occasionally due to emergency or scheduled system maintenance, updates or repairs or for other reasons beyond our control.

Electronic Communication

CenterState Bank eBill Presentment Service is an electronic Internet based service. Therefore, you understand that this Agreement will be entered into electronically.

  • You have the right to have this disclosure provided or made available on paper or in non-electronic form;
  • You have the right to withdraw the consent to have the disclosure provided or made available in an electronic form by calling us at 800-786-7749, but this will result in the termination of your eBill Presentment Service;
  • The consent to receive electronic consumer disclosures applies to all future required consumer disclosures and any amendments, modifications or supplements in connection with the eBill Presentment Service;
  • You can update your email address by clicking on the Account Services function or calling us at 800-786-7749;
  • After checking the “I Agree to the Terms and Conditions” check box, you may request a paper copy of this consumer disclosure for a fee of $25.00 by calling the Customer Service number noted in this document.
  • You understand that to access and retain this disclosure and to use the eBill Presentment Service, you must have the following: a PC with a supported Internet browser that has “cookies” enabled and supports 128 bit encryption, an Internet connection for the PC, and either a printer or sufficient electronic space to store this disclosure.
  • You understand we will deliver to you electronically any customer service communications, including without limitation communications with respect to claims of error or unauthorized use of the eBill Presentment Service.

MoneyHQ Enrollment

To enroll in MoneyHQ:

  1. Click on the “Get Started” link on the MoneyHQ page.
  2. You will be prompted to verify your email address and date of birth. This information is used to communicate with you and validate your information. If any changes to this information are needed, please enter the updated information and click “Submit”. If the information presented is accurate, click “Submit” to continue the registration process.
  3. Review any applicable fees related to the MoneyHQ service by clicking on the “MoneyHQ Fees” or “Pricing Information” link.
  4. Read the terms and conditions of the MoneyHQ service. You may print a copy of the agreement for your records. If you accept the terms and conditions, click “I Agree”. If you do not wish to enroll in the MoneyHQ service, select “I Do Not Agree” to cancel the registration process.

You may cancel your subscription to MoneyHQ at any time by selecting the “MoneyHQ Unsubscribe” link from the Account Services tab.

Schedule of Fees

There is a monthly service fee of $3.95 for the use of the Money HQ Service.

The first 5 standard transfers in any month will be included in the monthly service fee; for each additional standard transfer, you will be assessed a fee of $1.50.

For each next day transfer, you will be assessed an additional fee of $7.95 at time of transaction.

Payment Authorization

You authorize us to deduct all fees that you incur for the MoneyHQ Service (“Fees”) from your primary account held with us. For the monthly service fee and any standard transfer fees, those amounts will be deducted from your account no earlier than the 26th day of the month. In the event that the monthly fee exceeds $14.95 we will provide you notice of the fee 10 days prior to when your account is debited. The notification will be sent to your Internet email address on our file. For next day transfers, the fee will be deducted from the account you are transferring funds from at the time of the transfer. In the event that an insufficient or uncollected funds return occurs in connection with a funds transfer and we cannot collect the fee, we reserve the right to deduct the uncollected amount from you. To effect this collection, you authorize us to debit any of your accounts held with us. If you do not have sufficient funds in your accounts with us to pay for any Fees or any other amounts when they become due, you authorize us to select any means necessary to collect the Fees. You understand that to effect the collection of Fees or other amounts we may utilize electronic funds transfer networks to deduct the amount from any of your accounts connected to the MoneyHQ Service from which you are authorized to transfer funds.

Authorizations

Access

In order for us to provide the MoneyHQ Service, we will request certain information from you (such as user IDs, passwords, account numbers) regarding your accounts and financial relationships that you designate to be part of the MoneyHQ Service (“Third Party Accounts”). In addition, we will need to access third party Web sites and data bases containing information regarding your Third Party Accounts to perform certain of the MoneyHQ Services. You authorize us to (i) use any information you provide to us about your Third Party Accounts, (ii) access any Third Party Accounts, (iii) retrieve any information from the providers of those Third Party Accounts and (iv) use any information we obtain about your Third Party Accounts as you request or as necessary to perform the MoneyHQ Services.

Agency

For as long as you are using the MoneyHQ Service, you grant us a limited power of attorney and appoint us as your true and lawful attorney-in-fact and agent, with full power of substitution and resubstitution, for you and in your name, place and stead, in any and all capacities, in connection with your accounts at CenterState Bank and any Third Party Accounts. As your agent, you grant us the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with the MoneyHQ Service, as fully to all intents and purposes as you might or could do in person. You understand that we may provide certain of your information to third parties in connection with providing the MoneyHQ Service, such as may be required to verify funds transfer instructions.

Joint Accounts

If any of the accounts that you register under the MoneyHQ Service is a joint account, you confirm that your joint account holder has consented for you to use that accounts with the MoneyHQ Service. We will end your use of the MoneyHQ Service if any joint account holder notifies us that (i) they never consented to your use of the MoneyHQ Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account.

Additional Information

We may obtain such additional information as we deem reasonably necessary to insure that you, or persons to whom you may transfer funds, are not using the MoneyHQ Service in violation of applicable law, including laws and regulations designed to prevent “money laundering” or the transfer of funds to or from persons or organizations whose accounts are blocked under regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.

Electronic Communications

The MoneyHQ Service is an electronic, Internet based-service. This Agreement will be entered into electronically, and all communications associated with this Agreement and the MoneyHQ Service may be provided by electronic means and will be considered to be “in writing”, including:

  • This Agreement and any amendments, modifications or supplements to it.
  • Your records of funds transfers and other transactions through the MoneyHQ Service, including without limitation confirmations of individual transactions.
  • Any initial, periodic or other disclosures or notices provided in connection with the MoneyHQ Service, including without limitation those required by federal or state law.
  • Any Customer Service communications, including without limitation communications with respect to claims of error or unauthorized use of the MoneyHQ Service.
  • Any other communication related to the MoneyHQ Service.

Although we may provide communications to you in paper format at any time, you agree that we are under no obligation to do so. You should print a paper copy of this Agreement and any electronic communications that are important to you and retain the copy for your records.

Delivery of Communications

Communications may be posted on the pages of the MoneyHQ Service website, another website disclosed to you or delivered to the e-mail address you provide to us. Any electronic communication sent by e-mail will be deemed to have been sent and received by you when our e-mail server directs the e-mail message to the appropriate e-mail address, whether or not you received the e-mail.

If any communication is sent in paper form by traditional mail, it will be deemed to have been sent when postmarked and will be deemed to have been received no later than five Business Days (defined below) after it was postmarked.

Terms Specific to Funds Transfers

General Limitations

We reserve the right to decline to affect any funds transfer, to submit any funds transfer instructions or orders or to carry out change or cancellation requests. Some of the funds transfer services may not be available at all times. For example, the MoneyHQ Service will process requests for transfers Monday through Friday, excluding holidays that we observe (“Business Days”). Please ensure that you have sufficient funds to affect any funds transfers from your accounts; if you lack sufficient funds we can refuse to complete the transfer. We may at any time decline to affect any funds transfer that we believe may violate applicable law. In addition, not all types of accounts are eligible for funds transfer because of legal limitations and restrictions imposed by the institution providing the account. Be sure to check with your financial institution for restrictions regarding transfers among your retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other account types. We are not responsible for any costs or losses incurred from fund transfers that are not permitted under such restrictions by the provider of your account or those imposed by applicable law.

Transfers subject to the Rules of the Accounts

All funds transfers under the MoneyHQ Service are subject to the rules and regulations governing the relevant accounts. There may be rules that limit the number or dollar amount of permitted transfers, and we will not be responsible for any consequences that occur if you attempt to make transfers in excess of those limits. You agree not to use the MoneyHQ Service to effect any funds transfers from or to an account that are not allowed under the rules or regulations applicable to such accounts, including rules or regulations designed to prevent the transfer of funds in violation of the rules and regulations of the Office of Foreign Asset Control (OFAC) of the United States Treasury Department.

MoneyHQ Service Transfer Limits

In general, the MoneyHQ Service does not limit the number of funds transfers you may make, but does limit the dollar amount that may be transferred in a single transfer or that may be transferred in a set period of time. For security and risk management reasons, from time to time we may modify the limits to the frequency or amount of transfers you can make using the MoneyHQ Service. In any event, funds transfers in excess of the then-applicable limits will not be completed.

Your Warranties

You warrant and represent that the information you are providing us with is true, correct and complete. We are not obliged to take any steps to confirm or authenticate any instructions given by you and, assuming they are permitted under the MoneyHQ Service, we will act on them without getting further confirmation.

You understand that if you provide us with incorrect information or if there is any error in your instruction we will make all reasonable efforts to reverse or delete such instructions, but you accept full responsibility for losses resulting from any of your errors, duplication, ambiguities or fraud in the information that you provide. In addition, if any information you provide is untrue, inaccurate, not current or incomplete, we may recover from you any costs or losses incurred as a direct or indirect result of the inaccurate or incomplete information.

You agree not to impersonate any person or use a name that you are not authorized to use. You represent and warrant to us that you have the right to authorize and permit us access to your Third Party Accounts, you assure us that by disclosing the information to us and by authorizing us to use such information to access your Third Party Accounts, you are not violating any third party rights.

You agree to promptly update your registration records if your e-mail address or other information changes. You agree to update your records, such as your e-mail address, using our online service.

You warrant that you will not use the MoneyHQ Service for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the MoneyHQ Service or interfere with any other party’s use and enjoyment of the MoneyHQ Service.

You represent and warrant to us that you have enough money in the applicable accounts to make any funds transfer you request that we make on your behalf through the MoneyHQ Service.

CenterState Bank’s Liability

If we do not provide a funds transfer instruction on time, if we cause an incorrect amount to be removed from an account or if we cause funds from an account to be transferred to any account other than the account or recipient’s account specified in the applicable funds transfer instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper account or intended recipient’s account.

We are liable for any losses and damages arising from our gross negligence or willful misconduct or if we breach a representation or warranty to you.

Limits of CenterState Bank’s Responsibilities

In connection with the MoneyHQ Service, we are acting at all times as your agent with respect to any interactions with third parties. Your relationship with each Third Party Account provider is independent of us, and you are ultimately responsible for any actions that we take on your behalf while providing the MoneyHQ Service. We have no control over, and will not be responsible for, any acts or omissions by the financial institution or other provider of any Third Party Account.

We are not liable for any costs, fees, losses or damages of any kind incurred as a result of (1) our access to the Third Party Accounts; (2) our retrieval of or inability to retrieve information from the Third Party Accounts; (3) any inaccuracy, incompleteness or misinformation contained in content retrieved from the Third Party Accounts; (4) any charges imposed by the provider of any Third Party Account; (5) any failure of a third party financial institution’s information technology system that results in our inability to retrieve information or complete a transfer; or (6) you not having enough money to make a funds transfer and the funds transfer is not completed or is later reversed.

As part of the MoneyHQ Service, when we interact with other financial institutions on your behalf we may use transfer and security procedures agreed between you and the other financial institution or those agreed between us and the other financial institution. You agree that your transfer instructions constitute authorization for us to complete the transfer, regardless of the actual process used. We may authorize any financial institution at which you have an account to accept funds and transfer instructions without verifying the instructions under the established security procedures. We may authorize such financial institutions to charge and debit your accounts based solely on these communications.

If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers.

EXCEPT AS EXPRESSLY SET FORTH ON OUR WEB SITE OR IN THIS AGREEMENT, WE DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING NON-INFRINGEMENT OF THIRD PARTY INTELLECTUAL PROPERTY RIGHTS.

WE MAKE NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE MONEYHQ SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE MONEYHQ SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY US FROM ANY ACCOUNTS OR THAT THE MONEYHQ SERVICE WILL MEET ANY USER’S REQUIREMENTS, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES OF ANY KIND RESULTING FROM THE USE OF OR THE INABILITY TO USE THE MONEYHQ SERVICE, INCLUDING DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF WE HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Service Discontinuation

We may discontinue the Service, with or without notice, without liability to you, any other user or any third party. We reserve the right, subject to applicable law, to terminate your right to use the Service at any time and for any reason.

You may terminate your use of the MoneyHQ Service at any time by clicking on the link to unsubscribe to MoneyHQ. Once your use of the MoneyHQ Service has been terminated for any reason, you will have no further right or access to use the MoneyHQ Service, and thereafter we will not be responsible for performing or maintaining any feature of the MoneyHQ Service on your behalf for any reason.

Once you notify us that you wish to cease using the MoneyHQ Service as provided in this Agreement and we have a reasonable opportunity to act on that notice, the limited power of attorney created by this Agreement is automatically revoked.

Indemnification

You agree to indemnify, defend and hold us harmless from any and all third party claims, liability, damages and/or costs (including, but not limited to, attorney’s fees) arising from your use of the MoneyHQ Service; our reliance on the information, instruction, license and/or authorization provided by you under or pursuant to this Agreement; or your violation of this Agreement.

Errors/Corrections/Claims

Unauthorized Access/Transfers

Notify us AT ONCE if you believe your password has been lost or stolen or if you believe someone has transferred or may transfer money from your account without your permission. Telephoning us at 800-786-7749 promptly is the best way to protect you from possible losses.

If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within two Business Days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within two 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.

Error Reporting Process

In case of errors or questions about the MoneyHQ Service, funds transfers or incorrect statements, call us at 800-786-7749. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

In your communication of the potential error or question,

  • Tell us your name, and the account number of the Account to which the error relates.
  • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is in error or why you need more information.
  • Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 Business Days. We will determine whether we committed an error within 10 Business Days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question.

If we take the additional 45 days, we will adjust the applicable accounts within 10 Business Days for the amount you believe is in error, so that you or your intended recipient will have use of the money during the time it takes us to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within 10 Business Days, we may not adjust the applicable accounts.

We will tell you the results within three Business Days after completing our investigation. If we decide that we did not make an error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation.

We are not responsible for errors, delays and other problems caused by or resulting from the action or inaction of other financial institutions. Although we will try to assist you in resolving any such problems, you understand that any such errors, delays or other problems are the responsibility of the relevant financial institution or the intended recipient of funds. Any rights you may have against a financial institution for such errors, delays or other problems are subject to the terms of the agreements you have with such financial institution, including any time limits during which complaints must be made.

The Account Services Tab serves as a “launch pad” to help locate functionality and features offered by our online service. From the Account Services page you can find helpful links to update your Online Banking information as well as easy access to available services.

Update Your Email Address

It is very important that you keep your email address with us up to date so that we can communication relevant information to you as needed. If you ever need to change that address you have on record with us, you can do so through the Email Address Maintenance page. To access this page, click on the “Account Services” tab, and then click on the “Update Email Address” link.

Update Your Password

For security reasons you are required to change your Password after you log in to the service for the first time. Subsequent Password changes can be made by clicking on the Account Services tab and then clicking the “Update Password” link.

Your Password is your confidential code for accessing your account information, and it should not be shared with anyone. It must be between 8 and 32 characters in length and must contain at least one letter, one number and one special character from the following list: ~`!@#\$%^&*()_-+={[}]|\:;”‘<,>.?/ and space. You should make your Password as random as possible.

Update Your User ID

Your User ID can be changed by clicking on the “Account Services” tab and then clicking the “Update User ID” link. Like your Password, your User ID is part of your confidential code for accessing your account information, and it should not be shared with anyone. It can be as few as 8 characters and numbers or as many as 20. It should be easily remembered by you but not easily guessed by someone else.

Update Password Verification Question

A Personal Question and Answer help validate your identity so you can immediately create a new Password in the event you forget yours. You will be asked to set up a Personal Question and answer when you first use the service. You can reset your Personal Authentication Question and Answer anytime by clicking the “Account Services” tab and then clicking the “Update Password Questions” link.

Update Security Information

In order to make your online experience as secure as possible an extra layer of security is working behind-the-scenes to protect your account. As a result you may – very infrequently – be prompted to verify your identity before continuing by answering one or more personal security questions. When you log in to Online Banking you should make sure that you recognize your personal image and text. If you do not, please contact us immediately at 800-786-7749. You may update your personal image and text and your security questions at any time by selecting the Update Security Information link.

Update Language Preference

As an added enhancement, you can select the language that you would like to have displayed in most areas of our online service. Your language preference can be changed anytime by clicking on the “Account Services” tab and then clicking the “Update Language Preference” link.

MoneyHQ – Subscribe or Unsubscribe

To subscribe to MoneyHQ, select the Subscribe option. To learn more about MoneyHQ, click here. If you are already a MoneyHQ user and wish to discontinue the service, select the Unsubscribe option. If you unsubscribe to MoneyHQ, all of your MoneyHQ accounts will be deleted from Online Banking.

Online Banking through Quicken®

This service allows you to conduct online banking activities through Quicken Personal Financial Management software. Since Online Banking is integrated with Quicken, you will be able to perform activity in this Internet service and view it in Quicken and vice versa.

By using Quicken to conduct Banking and Bill Payment activities, you will automatically receive your up-to-date account balance and recent transactions and be able to make payments to anyone, anytime of day. Since all of the activity is preformed within Quicken, there is never a need for re-entering transaction data in your register. If you are not already registered, you can register from within Quicken to have immediate access to Online Banking through Quicken.

Supported versions of Quicken software are available through the Account Service link to Quicken.

For further assistance using Quicken, access Help from within the Quicken software or contact us at 800-786-7749.

Online Banking through Quickbooks®

This service allows you to conduct online banking activities through QuickBooks software. Since Online Banking is integrated with QuickBooks, you will be able to perform activity in Online Banking and view it in QuickBooks and vice versa.  See fee schedule for current rate.

By using QuickBooks to conduct Banking activities, you will automatically receive your up-to-date account balance and recent transactions and be able to make transfers between your accounts any time of day. Since all of the activity is preformed within QuickBooks, there is never a need for re-entering transaction data in your register. If you are not already registered, you can register from within QuickBooks to have immediate access to Online Banking through QuickBooks.

Supported versions of Quicken software are available through the Account Service link to Quicken.

For further assistance using QuickBooks, access Help from within the QuickBooks software or contact us at 800-758-0080.

Mobile Access

Mobile Access allows you to access your online accounts through your cell phone or other compatible mobile device anywhere you have mobile data service coverage. Check your balances; make transfers, schedule bill payments and more at any time with the convenience of Mobile Access.

What does Mobile Access let me do?

Mobile Access allows you to access your online accounts through your cell phone or other compatible mobile device anywhere you have mobile data service coverage. Check your balances; make transfers, schedule bill payments and more at any time with the convenience of Mobile Access.

Mobile Access also lets you send secure messages to us, just like you can from the Message Center within Online Banking today

How do I log on to Mobile Access?

It’s easy. Just use the same User ID and Password that you already use to log in to Online Banking.

Is it secure?

Absolutely – Mobile Access is just as secure as our Internet-based service. Anything you do while logged on to Mobile Access is encrypted by industry-standard SSL encryption preventing cell phone “scanning” or other attempts to eaves-drop. The integrated secure message system is further protected from spamming, spoofing or phishing.

Help – I Lost My Phone!

If you ever lose your phone, log on to the Internet-version of Online Banking and change your password immediately. If you don’t have easy access to the Internet, you can call us at for assistance in changing your password. Please monitor your accounts closely and notify us immediately if you believe that unauthorized transactions have occurred. Make sure to also report the loss of your phone to your mobile provider as soon as possible and ask them to disable the old phone.

Once you have a new phone or mobile device, simply re-install Mobile Access using the quick instructions below.

How to use Mobile Text Banking

Mobile Text Banking allows you to check account balances and recent transaction history on your checking, savings and money market accounts at CenterState Bank. You must be enrolled in Online Banking in order to use Mobile Text Banking.

Registering a Mobile Phone

You may register up to five phone numbers for use with Mobile Text Banking. To add or remove a mobile phone for access to the service, click on Mobile Text Banking from the Account Services tab.

Adding a Phone: Getting started is easy! There is a simple two step registration process required. In Step One, enter the phone number of the phone you’d like to use for this service. We will send a text message to that phone with an activation code. In Step two, enter the activation code on the Mobile Text Banking page in Online Banking. You are ready to begin using Mobile Text Banking right away. It’s that simple!

If desired, you can return to complete Step Two at a later time. Visit the Mobile Text Banking page and click on the “pending” link that appears next to the phone number for which you would like to complete registration. You may request that your activation code be re-sent to your phone by selecting “Resend Activation Code”. Enter the activation code received on your mobile phone on the page and click Submit. You can begin using Mobile Text Banking right away!

Deleting a phone: You may remove a registered phone either by selecting the “Delete” option within the SMS page in Online Banking or by texting STOP to 86020 from your mobile phone. You can also contact us directly at 800-786-7749 to remove a phone from the service.

Is this service secure?

Yes. Text messages sent from Mobile Text Banking will never include any personal information; therefore the information would not be useful to a fraudster.

Is my personal information included in any text messages?

No. Only your ‘masked’ account number and associated data is included in any messages received from Mobile Text Banking.

Do I need to use a certain provider?

No. Mobile Text Banking will work with all major carriers. You need a phone data plan that includes text message support.

Do I need to use a certain phone?

No. Any phone that supports text messaging can be used with Mobile Text Banking.

Do I need to use a smart phone?

No. Any phone that supports text messaging can be used with Mobile Text Banking.

Why can’t I see all of my accounts?

Mobile Text Banking provides information about your checking, savings and money market accounts.

Which accounts are available?

Mobile Text Banking provides information about your checking, savings and money market accounts.

Can I change the accounts that appear?

No. If checking, savings or money market accounts are available via Online Banking, they will also be available in Mobile Text Banking.

What happens if my phone is lost or stolen?

If your phone is lost or stolen, please contact us at 800-786-7749 to have Mobile Text Banking disabled for your phone. After access to Mobile Text Banking is disabled, your phone may not be used to request or receive information about your accounts. If you find your phone later, you may log on to Online Banking to activate the phone for Mobile Text Banking.

What is “smishing” and should I be worried?

“Smishing” is derived from the familiar term “phishing.” The “sm” comes from SMS, the protocol used to transmit text messages via cellular devices. Smishing is a form of criminal activity using social engineering techniques similar to phishing.

While phishing uses email, smishing uses cell phone text messages to deliver the “bait” to get you to divulge your personal information. The “hook” (the method used to actually “capture” your information) in the text message may be a web site URL, however it is also common to see a phone number that connects to automated voice response system.

We will NEVER request personal or account information from you using this service. If you suspect you are a victim of smishing or other fraud, contact us immediately.

Can I enroll more than one mobile number?

Yes. You may enroll up to five phones.

Who do I call if I have questions?

Contact us at 800-786-7749 for more information.

Secure Forms

When you submit information through our Secure Forms service, your data is safe. The Secure Forms service is built on the same solid foundation used throughout Online Banking. You may rest easy knowing that your financial information will be protected with state-of-the-art security every step of the way.

Security

The Internet is a rapidly changing marketplace with a wide variety of products and services available online. Although consumers and financial institutions agree that there is great value in offering online services, consumers may be concerned about security.

Our online service is built on a foundation of stringent security policies, rigorously tested technologies, and a highly trained and experienced staff. Our combination of Internet expertise and in-depth knowledge and experience in the financial services industry provide a secure solution to consumer concerns. You may rest easy knowing that your financial information will be protected with state-of-the-art security every step of the way.

How do I protect myself?

We want your online banking experience to be enjoyable and safe. That’s why we use 128-bit secure sockets layer (SSL) encryption, constantly updated and monitored systems along with multiple security layers and procedures. We also want to make you aware of several straightforward security tips to keep in mind:

  • Use a strong password. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts.
  • Change your Passwords frequently. You can do this quickly and easily by logging in and visiting the Account Services tab, and then clicking on “Change My Profile”.
  • Every time you access Online Banking your personal image and name will appear before you enter your password. Seeing your image and name will let you know that you are at our real site and not a fake or fraudulent site. This means it is safe to enter your password. If the correct image and name do not appear, do not enter your password and contact us immediately at 800-786-7749.
  • You may be asked to set-up several security questions that only you should know the answers to. Our security system will recognize the computers you normally use to access your online banking site. In the future, if you or someone else attempts to log in to your account from a new or unrecognized computer, you may need to answer some of your security questions before being allowed to continue.
  • Leave suspicious sites. If you suspect that a website is not what it purports to be, leave the site immediately. Do not follow any of the instructions it presents. For Microsoft Internet Explorer (IE) users setting your browser security setting to “high”, a level that makes it more difficult to interact with some Web sites, is also recommended.
  • Be alert for scam emails. These may appear to come from a trusted business or friend, but actually are designed to trick you into downloading a virus or linking to a fraudulent website and disclosing sensitive information.
  • Though we will communicate with you over email from time to time, we will never request that you provide sensitive or personal information via email. Don’t reply to any email that requests your personal information. Be very suspicious of any email from a business or person that asks for your password, Social Security number, or other highly sensitive information and/or one that sends you personal information and asks you to update or confirm it.
  • Open emails only when you know the sender. Be especially careful about opening an email with an attachment. We advise that you shouldn’t open attachments unless you are confident that you can trust the source
  • Do not click on links in emails from unknown senders or on links in emails that are asking you to change or update personal information.
  • Do not send sensitive personal or financial information unless it is encrypted on a secure website. Regular emails are not encrypted and are more like sending a post card. Look for the padlock symbol to ensure that the site is running in secure mode before you enter confidential personal information.
  • Don’t take anything for granted and only do business with companies you know and trust. Always keep in mind that forging emails and creating phony “look alike” websites designed to trick consumers and collect their personal information is not difficult. Make sure that websites on which you transact business post privacy and security statements, and review them carefully.
  • Make sure your home computer has the most current anti-virus software. Anti-virus software needs frequent updates to guard against new viruses. We recommend that you use a program that automatically upgrades your virus protection on a regular basis. If you currently do not have this automatic upgrade feature, make sure you update your virus detection program weekly and when you hear of a new virus. If your anti-virus product doesn’t include spyware protection, we recommend that you install a reputable spyware detection product as well.
  • When your computer is not in use, shut it down or disconnect it from the Internet.
  • Act quickly if you suspect fraud. If you believe someone is trying to commit fraud and/or if you think you may have provided personal or account information in response to a fraudulent email or Web site, report the incident immediately, change your passwords and monitor your account activity frequently.

Some areas of our site may require the use of Macromedia Flash or Adobe Acrobat Reader. Other browsers and operating systems may work effectively, however we do not test against them; therefore your experience may vary. We regularly monitor and test browsers to ensure the highest security standards. Our site supports SSL 2.0.

Pop-up Windows

It is strongly recommended that you enable the use of pop-ups for our Website. Pop-up functionality is used by many Websites to display advertisements to users, but some services like this one, use pop-up functionality to draw attention to important information.

Cookies

In order to provide optimal security, performance and reliability, this service requires that cookies be enabled on your Web browser. Cookies are a small piece of information that a Web server can store on your browser so the system recognizes your actions during a session.

As you browse the Web, some cookies are “set” on your Web browser. For example, cookies are used to store preferences you have requested on frequently visited Web sites. When you close your browser, some cookies are stored in your computer’s memory in a cookie file, while some expire immediately. All cookies have expiration dates.

Cookies cannot be used to obtain data from your computer, get your e-mail address or access sensitive or personal information. The only way that any private information could be part of your cookie file would be if you personally provided that information to a Web site. Also, each cookie can only be read at the site where the cookie was created.

Inactive Users

The Bank reserves the right to make any user(s) inactive after 90 days of not logging into the Online Banking system.  The user(s) profile can be made active again with a phone call to Customer Service from the user(s) with the proper identifying information.