Digital Access Terms and Conditions - Zelle®

Table of Contents

 1. Zelle® – Consumer Checking Accounts Only

• Description of the Zelle® Service
• Eligibility and User Profile
• Consent to Use and Disclose Personal Information (Including Account Information)
• Wireless Operator Data
• Enrolling for the Zelle® Service
• Consent to Emails and Automated Text Messages
• Receiving Money; Money Transfers by Network Financial Institutions
• Sending Money; Debits by Network Financial Institutions
• Liability
• Send Limits
• Overdrafts
• Requesting Money
• Cancellation of the Zelle® Service
• Right to Terminate Access
• Disclaimer of Warranties
• Limitation of Liability
• Indemnification
• Miscellaneous

• Errors and Questions
• Special Rules for New Customers 
• Your Liability for Unauthorized Payments and Transfers
• Disclosure of Account Information to Third Parties
• Documentation of Transfers
• Termination or Discontinuation

Zelle® – Consumer Checking Accounts Only

Description of the Zelle® Service

The Zelle Network® (“Zelle®”) is a convenient way to send and receive money with others you trust. Zelle enables you to send and receive money with customers who are enrolled with us or with another financial institution that offers Zelle (each, a "User") using aliases, such as email addresses, mobile phone numbers, or other unique identifiers (the "Service"). We will refer to financial institutions that offer Zelle as “Network Financial Institutions.”

Zelle provides no deposit account or other financial services. Zelle neither transfers nor moves money. You may not establish a financial account with Zelle of any kind. All money will be transferred by a Network Financial Institution.

THE ZELLE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST.  BECAUSE TRANSACTIONS OCCUR QUICKLY, USUALLY WITHIN MINUTES, AND PAYMENTS TO OTHER ZELLE® USERS CANNOT BE CANCELLED, ZELLE IS A POPULAR NETWORK FOR FRAUD. YOU SHOULD NOT USE THE ZELLE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.

Eligibility and User Profile

When you enroll to use the Zelle® Service or when you permit others to whom you have delegated the right to act on your behalf to use or access the Zelle Service, you agree to the terms and conditions of this Agreement. You represent that you have the authority to authorize debits and credits to the enrolled bank account.

The Zelle Service is intended for personal, not business or commercial use. You agree that you will not use the Zelle Service to send or receive payments in connection with your business or commercial enterprise. We reserve the right to decline your enrollment if we believe that you are enrolling to use the Zelle Service with your business account or to receive business or commercial payments. We further reserve the right to suspend or terminate your use of the Zelle Service if we believe that you are using the Zelle Service for business or commercial purposes, or for any unlawful purpose.

The Zelle Service is available to checking account holders only.  Each account holder is limited to a single Zelle enrollment.

Content Standards: You agree that you will not use the Service in any way, or upload or provide content or otherwise post, transmit, distribute, or disseminate through the Service any material, that: (a) is false, misleading, unlawful, obscene, indecent, lewd, pornographic, defamatory, libelous, threatening, harassing, hateful, abusive, or inflammatory; (b) encourages conduct that would be considered a criminal offense or gives rise to civil liability; (c) breaches or infringes any duty toward or rights of any person or entity, including rights of publicity, privacy or intellectual property; (d) contains corrupted data or any other harmful, disruptive, or destructive files; (e) advertises products or services competitive with Zelle, as determined by Zelle in its sole discretion; or (f) in Zelle or our sole judgment, is objectionable, restricts or inhibits any person or entity from using or enjoying any portion of the Service, or which may expose us, Zelle or our respective affiliates or customers to harm or liability of any nature.

Although neither we nor Zelle® have any obligation to monitor any content, both we and Zelle have absolute discretion to remove content at any time and for any reason without notice. We and Zelle may also monitor such content to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to content that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability, for any content, including any loss or damage to any of your content. We and Zelle make no representation or warranty that content uploaded to a User profile accurately identifies a particular User of the Service.

The Service may include functionality for you to use a unique alpha-numeric identifier to your registered User profile to be used in lieu of your mobile phone number or email address when sending, receiving, or requesting money, which will be your Zelle tag. Each Zelle tag must have an eligible U.S. mobile phone number associated with it and there will be a limit on the number of Zelle tags you may use. Your Zelle tag must meet the Content Standards. You may not select a Zelle tag that misleads or deceives other Users of the Service as to your identity, or otherwise. Although neither we nor Zelle have any obligation to monitor User Zelle tags, both we and Zelle have absolute discretion to remove a User Zelle tag at any time and for any reason without notice. We and Zelle may require you to change your Zelle tag in our sole discretion, and we may elect to make a Zelle tag unavailable to you, without any liability to you. We and Zelle may also monitor User Zelle tags to detect and prevent fraudulent activity or violations of the terms and conditions. You understand that by using the Service, you may be exposed to a Zelle tag that is offensive, indecent, or objectionable. We and Zelle are not responsible for, and assume no liability for, any User Zelle tags, including any loss or damage caused thereby. We and Zelle make no representation or warranty that a User Zelle tag accurately identifies a particular User of the Service. We respect the intellectual property of others and require that users of the Service comply with relevant intellectual property laws, including copyright and trademark laws. We may, in appropriate circumstances and at our discretion, limit or terminate the use of our products or services for users who use or publish content on the Service that is subject to intellectual property rights claims.

Consent to Use and Disclose Personal Information (Including Account Information)

You agree that information about you and your transactions may be used by us, Zelle® and other Network Financial Institutions for the purposes of effecting transactions, providing reporting to Network participants, operation and maintenance of the Network, fraud prevention and as otherwise required by applicable law.  Aggregated, anonymous format Network data may be used for marketing purposes.

Wireless Operator Data

We or Zelle® may use information on file with your wireless operator to further verify your identity and to protect against or prevent actual or potential fraud or unauthorized use of the Service. By using the Service, you authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other branded wireless operator) to use or disclose information about your account and your wireless device, if available, to Zelle or its service provider for the duration of your business relationship, solely to help them identify you or your wireless device and to prevent fraud.

Enrolling for the Zelle® Service

You must provide us with an email address that you regularly use and intend to use regularly and/or a permanent U.S. mobile phone number that you intend to use for an extended period of time.  You may not enroll in the Zelle® Service with a landline phone number, toll-free number, Google Voice number, or Voice over Internet Protocol.

Once enrolled, you may:

• authorize a debit of your account to send money to another User either at your initiation or at the request of that User; and
• receive money from another User either at that User's initiation or at your request, subject to the conditions of the Section below titled "Requesting Money."

If at any time while you are enrolled, you do not send or receive money using the Service for a period of 18 consecutive months, we may contact you and/or take other steps to confirm that the U.S. mobile phone number or email address that you enrolled still belongs to you.  If we are unable to confirm that you are the owner of the mobile phone number or email address, or we receive information that you are not the owner of the mobile number or email address,  then you understand that we may cancel your enrollment and you will not be able to send or receive money with the Service until you enroll again.

Once you are enrolled, a Z logo will appear on your profile picture for each U.S. mobile number and/or email address that you have enrolled with Zelle. The Z logo will be displayed to other Users to aid them in determining which of your U.S mobile numbers or email addresses should be used to send money with Zelle. If a User sends you money using a different U.S. mobile number or email address that they may have for you (one that is not already enrolled), you will receive a message with instructions on how to enroll that mobile number or email address with Zelle.

If you enroll for the Service and select to use a Zelle tag, the mobile phone number associated with your User profile will be used as the contact method for communication related to the Service and must meet the requirements described herein.

Consent to Emails and Automated Text Messages

By participating as a Zelle® User, you represent that you are the owner of the email address, mobile phone number, Zelle tag, and/or other alias you enrolled, or that you have the delegated legal authority to act on behalf of the owner of such email address, mobile phone number, Zelle tag and/or other alias to send or receive money as described in this Agreement. You consent to the receipt of emails or text messages from us, from Zelle, from other Zelle Users that are sending you money or requesting money from you, and from other Network Financial Institutions or their agents regarding the Zelle Service or related transfers between Network Financial Institutions and you. You agree that we may, Zelle may or either of our agents may use automatic telephone dialing systems in connection with text messages sent to any mobile phone number you enroll. You further acknowledge and agree:

• You are responsible for any fees or other charges that your wireless operator may charge for any related data, text or other message services, including without limitation for short message service. Please check your mobile service agreement for details or applicable fees.
• You will immediately notify us if any email address or mobile phone number you have enrolled or is used as a contact method for a Zelle® tag is (i) surrendered by you, or (ii) changed by you.
• In the case of any messages that you may send through either us or Zelle or that we may send or Zelle may send on your behalf to an email address or mobile phone number, you represent that you have obtained the consent of the recipient of such emails or automated text messages to send such emails or text messages to the recipient. You understand and agree that any emails or text messages that we send or that Zelle sends on your behalf may include your name.
• Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us or Zelle, including messages that you may send through us or through Zelle or that we may send or Zelle may send on your behalf.
• To cancel text messaging from us, send STOP to 20736. For help or information regarding text messaging, send HELP to 20736 or contact our customer service at 800- 346-5312. You expressly consent to receipt of a text message to confirm your "STOP" request.
• Supported Carriers: Most major network carriers are supported.

Receiving Money; Money Transfers by Network Financial Institutions

Once a User initiates a transfer of money to your email address, mobile phone number, or Zelle® tag enrolled with the Zelle Service, you have no ability to stop the transfer. By using the Zelle Service, you agree and authorize us to initiate credit entries to the bank account you have enrolled.

Most transfers of money to you from other Users will occur within minutes. There may be other circumstances when the payment may take longer. For example, in order to protect you, us, Zelle and the other Network Financial Institutions or other Zelle users, we may need or Zelle may need additional time to verify your identity or the identity of the person sending the money. We may also delay or block the transfer to prevent fraud or to meet our regulatory obligations. If we delay or block a payment that you have initiated through a request for money, we will notify you in accordance with your User preferences (i.e., text message, email).

If you are receiving a payment from a business or government agency, your payment will be delivered in accordance with both this Agreement and the procedures of the business or government agency that is sending you the payment.

We have no control over the actions of other Users, the Network Operator or other Network Financial Institutions that could delay or prevent a transfer of money to you.

Sending Money; Debits by Network Financial Institutions

You may send money to another User at your initiation or in response to that User's request for money. You understand that use of this Zelle® Service by you shall at all times be subject to (i) this Agreement, and (ii) your express authorization at the time of the transaction for us to initiate a debit entry to your bank account. You understand that when you send the payment, you will have no ability to stop it. You understand that most transfers of money from your account will occur within minutes or less.  You may cancel a payment only if the person to whom you sent the money has not yet enrolled in the Zelle Service with the email address or U.S. mobile number to which you initiated the payment. If the person you sent money to has already enrolled with Zelle, the money is sent directly to their bank account (except as otherwise provided below) and may not be canceled or revoked.  This means that if you make an error in typing an intended recipient's phone number or email address, your money may be sent to an unintended recipient. We therefore recommend that you use the Service to send money only to people you know and trust.

In most cases, when you are sending money to another enrolled User, the transfer will occur in minutes; however, there are circumstances when the payment may take longer. For example, in order to protect you, us, Zelle, the other Network Financial Institutions, and other Zelle users, we may need additional time to verify your identity or the identity of the person receiving the money. If you are sending money to someone who has not enrolled as a User with Zelle, they will receive a text or email notification instructing them on how to enroll to receive the money. You understand and acknowledge that a person to whom you are sending money and who is not enrolling as a User may fail to enroll with Zelle, or otherwise ignore the payment notification, and the transfer may not occur.

The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory requirements. If we delay or block a payment that you have initiated, we will notify you in accordance with your User preferences (i.e., text message, email).

Neither we nor Zelle have control over the actions of other Users or other Network Financial Institutions that could delay or prevent your money from being delivered to the intended User.

Liability

Neither we nor Zelle® shall have liability to you for any transfers of money, including without limitation, (i) any failure, through no fault of us or Zelle to complete a transaction in the correct amount, or (ii) any related losses or damages. Neither we nor Zelle shall be liable for any typos or keystroke errors that you may make when using the Zelle Service.

THE ZELLE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT USE ZELLE TO SEND MONEY TO PERSONS WITH WHOM YOU ARE NOT FAMILIAR OR WHOM YOU DO NOT TRUST. ZELLE DOES NOT OFFER PURCHASE PROTECTION  FOR AUTHORIZED PAYMENTS MADE THROUGH THE SERVICE (FOR EXAMPLE, IF YOU DO NOT RECEIVE THE GOODS OR SERVICES THAT YOU PAID FOR, OR THE GOODS OR SERVICES THAT YOU RECEIVED ARE DAMAGED OR ARE OTHERWISE NOT WHAT YOU EXPECTED). REIMBURSEMENT IS AVAILABLE FOR UNAUTHORIZED TRANSACTIONS OR TRANSACTIONS RESULTING FROM CERTAIN QUALIFYING IMPOSTER SCAMS. CONTACT US TO DISPUTE A TRANSACTION.

Send Limits

When you enroll in the Zelle® Service, you agree that limits may be placed on the amount of any individual transaction you may send ("Transaction Limit") and the total amount of all Zelle transactions you may send in a single day ("Daily Limit"). These limits are cumulative across all recipients and are not applied on a per-recipient basis. You will be assigned to Tier 1 upon enrollment in the Service, and your limits may be adjusted based on your use of the Service and other factors we deem appropriate.

Daily Limits reset at midnight Central Time.

We reserve the right to change the Transaction Limit and Daily Limit applicable to your use of the Zelle Service at any time, except as otherwise required by applicable law.

Effective October 4, 2026

When you enroll in the Zelle® Service, you agree that limits may be placed on the amount of any individual transaction you may send ("Transaction Limit"), the total amount of all Zelle transactions you may send in a single day ("Daily Limit"), and the total amount of all Zelle transactions you may send during a calendar month ("Monthly Limit"). These limits are cumulative across all recipients and are not applied on a per-recipient basis. You will be assigned to Tier 1 upon enrollment in the Service, and your limits may be adjusted based on your use of the Service and other factors we deem appropriate.

Daily Limits reset at midnight Central Time. Monthly Limits are based on the calendar month and reset on the first day of each month.

We reserve the right to change the Transaction Limit, Daily Limit, and Monthly Limit applicable to your use of the Zelle Service at any time, except as otherwise required by applicable law.

Private Wealth clients may be assigned higher Transaction Limits, Daily Limits, and Monthly Limits than those generally available through the Service. Please contact your Private Wealth banker for information regarding your applicable Zelle limits.

Overdrafts

When you send money through the Zelle® Service and your Available Balance is insufficient to cover the amount sent, you may overdraw your account.  Overdraft fees for Zelle transactions will be charged according to the terms of the depository agreement governing your account.

Requesting Money

You may request money from another User. You understand and acknowledge that Users to whom you send payment requests may reject or ignore your request. Neither we nor Zelle® guarantee that you will receive money from other Users by sending a payment request, or that you will receive the amount that you request. Neither we nor Zelle accept responsibility if the other User rejects or ignores your request or sends you an amount that is less than you request. If a User ignores your request, we may decide or Zelle may decide, in our discretion, that we will not send a reminder or repeat request to that User.

By accepting this Agreement, you agree that you are not engaging in the business of debt collection by attempting to use the Service to request money for the payment or collection of an overdue or delinquent debt; to request money that is owed to another person; or to collect any amounts that are owed pursuant to a court order. You agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorney's fees, resulting from or arising out of any request for money that you send that is related to overdue or delinquent amounts.

You agree to receive money requests from other Users, and to send requests only for legitimate and lawful purposes. Requests for money are solely between the sender and recipient(s) and are not reviewed or verified by us or by Zelle. Neither we nor Zelle assume responsibility for the accuracy or legality of such requests and do not act as a debt collector on your behalf or on behalf of the sender of a request for money.

We reserve the right, but assume no obligation, to terminate your ability to send requests for money in general, or to specific recipients, if we deem such requests to be potentially unlawful, abusive, offensive or unwelcome by the recipient.

Cancellation of the Zelle® Service

If you wish to cancel the Zelle® Service, you may do so by contacting us using any of the methods set forth below in the Termination or Discontinuation section of Additional Terms Applicable to Debit Card Use through Digital Wallet, Online Bill Pay, and/or Zelle®.  Any payment(s) that have begun processing before the requested cancellation date will be processed by us.

Right to Terminate Access

You agree that we may terminate or suspend your use of the Zelle® Service at any time and for any reason or no reason.  Neither termination, cancellation nor suspension shall affect your liability or obligations under this Agreement.

Disclaimer of Warranties

EXCEPT AS OTHERWISE PROVIDED HEREIN, AND SUBJECT TO APPLICABLE LAW, NEITHER WE NOR ZELLE® MAKE ANY EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE ZELLE SERVICE. WE AND ZELLE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE ZELLE SERVICE DESCRIBED OR PROVIDED. NEITHER WE NOR ZELLE WARRANT THAT THE ZELLE SERVICE WILL BE UNINTERRUPTED, TIMELY, INVULNERABLE TO CYBER ATTACK OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED. THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Limitation of Liability

EXCEPT AS OTHERWISE PROVIDED HEREIN AND SUBJECT TO APPLICABLE LAW, IN NO EVENT WILL ZELLE®, ITS OWNERS, DIRECTORS, OFFICERS, AGENTS OR NETWORK FINANCIAL INSTITUTIONS BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING, BUT NOT LIMITED TO ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY OR OTHER INDIRECT DAMAGES ARISING OUT OF (I) ANY TRANSACTION CONDUCTED THROUGH OR FACILITATED BY THE ZELLE SERVICE; (II) ANY CLAIM ATTRIBUTABLE TO ERRORS, OMISSIONS, OR OTHER INACCURACIES IN THE SERVICES DESCRIBED OR PROVIDED; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; OR (IV) ANY OTHER MATTER RELATING TO THE SERVICES DESCRIBED OR PROVIDED, EVEN IF ZELLE® HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IF YOU ARE DISSATISFIED WITH THE ZELLE® SERVICE OR WITH THE TERMS OF THIS AGREEMENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ZELLE SERVICE.

IN THOSE STATES WHERE THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES MAY NOT APPLY, ANY LIABILITY OF ZELLE, ITS OWNERS, DIRECTORS, OFFICERS AND AGENTS OR THE NETWORK FINANCIAL INSTITUTIONS LIABILITY IN THOSE STATES IS LIMITED AND WARRANTIES ARE EXCLUDED TO THE GREATEST EXTENT PERMITTED BY LAW, BUT SHALL, IN NO EVENT, EXCEED ONE HUNDRED DOLLARS ($100.00).

Indemnification

You acknowledge and agree that you are personally responsible for your conduct while using the Zelle® Service, and except as otherwise provided in this Agreement, you agree to indemnify, defend and hold harmless Zelle, its owners, directors, officers, agents and Network Financial Institutions from and against all claims, losses, expenses, damages and costs (including, but not limited to, direct, incidental, consequential, exemplary and indirect damages), and reasonable attorneys' fees, resulting from or arising out of your use, misuse, errors, or inability to use the Zelle Service, or any violation by you of the terms of this Agreement.

Miscellaneous

Subject to the terms of this Agreement, the Zelle® Service are generally available 24 hours a day, seven days a week with the exception of outages for maintenance and circumstances beyond the control of us or Zelle. Live customer service generally will be available Monday through Friday, excluding US bank holidays.

Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.

Additional Terms Applicable to Debit Card Use through Digital Wallet, Online Bill Pay, and/or Zelle® – Consumer Accounts Only

Errors and Questions

In case of errors and questions about your Electronic Transfers or payments, you should contact us as soon as possible by:
1. Telephoning us at: 800-346-5312
2. Writing us at: BOKF Online Access Service, P.O. Box 2300, Tulsa, OK 74192

If you think that your statement is wrong or you need more information about a transfer listed on the statement, you must notify us no later than sixty (60) days after the date on the first statement on which the problem or error appeared.  You must:

1. Tell us your name and account number;
2. Describe the error or the transfer you are unsure about, and explain as clearly as you can, why you believe it is an error or why you need more information; and
3. Tell us the dollar amount of the suspected error.

If you report anything about this Agreement or Bill Pay orally, we may require that you send your report in writing within ten (10) Business Days.  You agree to assist us in the discovery and resolution of issues related to errors or unauthorized use.

You agree that the Bank reserves the right to obtain financial information regarding your account from a merchant, another payee or a financial institution to address payment-posting problems.

Except as noted below, we will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question regarding Bill Pay or Zelle®, and up to ninety (90) days to investigate your complaint or question regarding Debit Card Use through Digital Wallet. If we decide to do this, we will provisionally credit your account within ten (10) Business Days for the amount you think is in error, so that you will have the 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 are not required to credit your account.

• Special Rules for New Customers:
If you are a new customer, for transfers occurring within thirty (30) days after the first deposit in your account, we will determine if an error occurred within twenty (20) Business Days after we hear from you.  However, if needed, we may take up to ninety (90) days to investigate your complaint or question.  If we decide the additional time is necessary, we will credit your account within twenty (20) Business Days for the amount you think is in error so that you will have the use of the money while we complete our investigation.  We will tell you the results within three (3) Business Days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.  You may ask for copies of the documents that we used in our investigation.

Your Liability for Unauthorized Payments and Transfers

If you believe your Card(s) or other access device has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, tell us at once by calling our ExpressBank promptly at 800-346-5312 or visiting a banking center.  Telephoning is the best way to reduce your possible losses. You could lose all the money in your Account plus your maximum overdraft line of credit, if any. If you tell us within 2 business days, you can lose no more than $50 if someone used your Card(s) or other access device without your permission or made transfers without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card(s) or other access device, and we can prove we could have stopped someone from using your Card(s) without your permission if you had told us, you could lose as much as $500. Note that any transfer you make using the Zelle® Service for which you touch or click "Send" is authorized and you will be liable for that transfer.  If you tell us within sixty (60) days of an unauthorized transaction first appearing on your statement which we verify is unauthorized, you shall have no liability for unauthorized use of Bill Pay or of your debit card through Digital Wallet except as just described in the case of a lost or stolen Card or other access device. If you do not tell us within sixty (60) days after the statement containing an unauthorized transaction was mailed to you, you may lose any amount transferred without your authorization after sixty (60) days if we can prove that we could have stopped someone from making the unauthorized transfer if you had told us on time.  If you can demonstrate with documentation a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

Disclosure of Account Information to Third Parties

We will disclose information to third parties about your account or the transfers you make only in the following situations:
1. Where it is necessary for completing transfers.
2. In order to verify the existence and condition of your account to a third party, such as a credit bureau or merchant.
3. In order to comply with a governmental agency or court order.
4. If you give us your written permission.
5. As otherwise stated in our Privacy Policies located on our Web Site.

Documentation of Transfers

You will get a monthly account statement documenting your transfers.  However, with respect to a savings account, if there are no electronic funds transfers in a particular month, you may not get a statement monthly but you will get a statement at least quarterly.

Termination or Discontinuation

In the event you wish to discontinue Bill Pay, and/or Zelle® Service, you must contact the Bank in writing or call ExpressBank.  Written notice of service discontinuance must be supplied ten (10) days prior to the actual discontinuation date and must be sent to:

BOK Financial Online Access Service
P.O. Box 2300
Tulsa, OK 74192

The Bank may terminate use of Bill Pay and/or Zelle® Services by any individual at any time.  Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.