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The password that is used to gain access to Cash Management Services should also be kept confidential.  We strongly recommend that you not disclose it to others, as doing so gives the person or company to whom you have given this sensitive information the power to access and perform transactions on your Accounts or Loans.  In fact, if you make such a disclosure along with other pertinent information about your Accounts or Loans and any Service, neither we, nor you will be able to prevent that person or company from accessing or performing transactions on your Accounts or Loans whether or not you actually authorize or even know about such activity, and the access and transactions so performed will be considered authorized.  You are solely responsible for the confidentiality and use of your assigned User ID and/or passwords (a “Security Code”).  You are solely responsible for all instructions received by us through and under your Security Code.

Notwithstanding anything to the contrary contained herein, it is authorized and agreed by the parties hereto that the performance of said Service is or might be subject to regulation and examination by authorized representatives of the Comptroller of the Currency, the Board of Governors of the Federal Reserve System, the Board of Directors of the Federal Deposit Insurance Corporation, and/or a State or other federal regulatory agency and you agree to the release of your reports, information, assurances, or other data as may be required by them under applicable laws and regulations.  You agree that any specifications or programs developed by Bank in connection with this Access Agreement or supplied or made available to you by Bank are the exclusive property of Bank, its agents, suppliers, or contractors, and further agrees that such material shall not be copied or used in any manner or for any purpose without the express written consent of Bank.  This clause shall survive the termination of the Access Agreement.


Robo-advisors are diversified investment accounts that are automatically managed by a computer algorithm (as opposed to a human money manager). If you want to invest, but don’t have the money, or don’t want to invest with a money manager, robo-advisors are for you! Robo-advisors make investing easier—and cheaper—so they’re perfect for new investors.
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