A. What This Agreement Covers
This Agreement is between each owner of an eligible account, a person applying for an eligible account,
or authorized representative appointed or entitled to online access on another person’s behalf (“you” or
“your”) and Peoples United International Trust Bank . This Agreement governs your use of any online or
mobile banking services maintained by Peoples United International Trust Bank and accessible through
finexcapitalbank.com using a personal computer or a mobile device, including a smartphone, tablet, or
any other eligible handheld or wearable communication device (the “Service(s)”).
Under the terms of this Agreement~, you may use the Services to obtain financial products and services,
access and view account information, and, for certain accounts, move money electronically and perform
authorized transactions, for eligible Peoples United International Trust Bank consumer and small
business accounts and affiliate accounts linked to the Service, such as those at Merrill Lynch, Pierce,
Fenner & Smith Incorporated (“Merrill”).
When used in the Agreement, the term “small business” includes sole proprietors, non-consumer business
entities, and individual owners of the business, unless the context indicates otherwise. If you are a
small business customer, additional or different terms and conditions applicable to the Services, as
well as additional Services available exclusively to small business customers, are included in the
Business Services Addendum, which is a part of this Agreement.
When you first set up your Online/Mobile ID, we will link all of your eligible Peoples United
International Trust Bank ~ and affiliate accounts, including joint accounts. If you open an additional
eligible account at a later date, we will link your new account to the Service, unless you tell us not
to do so. Unless indicated otherwise by the context, “linked Peoples United International Trust Bank
accounts” or “linked accounts” refers to all of your accounts with Peoples United International Trust
Bank ~ and its affiliates that are linked to the Service.
When your Service is linked to one or more joint accounts, we may act on the verbal, written or
electronic instructions of any authorized signer.
Please note that some of the Services may not be available when using certain digital devices or
applications. For example, some functions may be available online through a personal computer but not
available through our mobile app.
B. Accepting the Agreement
When you apply for, enroll in, activate, download or use any of the Services described in this Agreement
or authorize others to do so on your behalf, you are contracting for all Services described in the
Agreement and agree to be bound by the terms and conditions of the entire Agreement, as well as any
terms and instructions that appear on a screen when enrolling in, activating or accessing the Services.
C. Relation to Other Agreements
Your use of the Services may also be affected by your Deposit Agreement and Disclosures, including the
applicable schedule of fees (“Deposit Agreement”), or other agreement with us for your linked Peoples
United International Trust Bank accounts and/or an agreement with our affiliates for your affiliate
accounts linked to the Service, including your investment~ accounts. When an account is linked to the
Services, it does not change the agreements you already have with us or our affiliates for that account
and you are still subject to the terms and conditions we gave you in the agreement and disclosure for
the linked account. The terms and conditions for those account agreements, including any applicable
fees, transaction limitations, liability rules and other restrictions that might impact your use of an
account with the Services, are incorporated into this Agreement. In the event of a conflict between the
terms of those account agreements and this Agreement, the terms of the applicable account agreement will
prevail unless this Agreement specifically states otherwise.
If you use the Services to move money between your investment accounts governed~ Brokerage Website Terms
and Conditions, which you agreed to when you became a Merrill online customer, that agreement, and not
this Agreement will apply to your transaction.
2. Internal Transfer Services
A. Transfers Between Your Accounts
You may use the Service to transfer funds~ between your linked Peoples United International Trust Bank
accounts without a fee on either a one-time or recurring basis, including as a payment to a linked
installment loan, credit card or mortgage.
There are no receiving limits for Internal Transfers between your own accounts.
1/ Higher limits may apply for Peoples United International Trust Bank ~ Private Bank, Merrill or small
business accounts.
2/ Transfers to a Peoples United International Trust Bank Current or savings account made after the
applicable cut-off time indicated above but before 11:59 p.m. on a business day in the State where your
Current~ or savings account was opened, will be posted as of the next business day in your transaction
history, but will be included in the balance we use to pay transactions that night. This process may
impact when fees apply to your account.
3/ Funds transferred as a payment to an eligible~ credit card, business line of credit, home equity line
of credit during draw period (“HELOC”), installment loan or mortgage (together “Loan Accounts”) will be
credited with the date the payment is submitted. Updates to account balances, funds availability, and
transaction posting may take up to 2 business days.
One-time transfers may be made at any time and are immediately debited from a Current or savings
account’s available balance or a credit account’s available credit.
Future dated or recurring transfers scheduled for a weekend or a non-business day will be debited from
the funding account on the prior business day. All other scheduled and recurring transfers will be
debited from the funding account at the beginning of the business day requested.
Future scheduled and recurring transfers can be canceled prior to midnight ET on the business day prior
to the date the transfer is scheduled to be made. A one-time immediate transfer cannot be canceled after
it has been submitted.
The best way to cancel a future scheduled or recurring transfer is to follow the instructions on our
website. The cancel feature is found in the Transfer Activity or Recurring Transfers sections. You may
also request to cancel a future scheduled or recurring transfer for consumer accounts and small business
accounts. If you are calling from outside of the continental~.
3. Bill Payment Services
A. Bill Pay for Current, Money Market and Home Equity Line of Credit Accounts
Peoples United International Trust Bank customers may use Bill Pay to make payments to companies or
individuals (“Payees”) in the following manner:
Payments can be scheduled from linked Current, money market savings, and HELOC accounts during the draw
period. Note that you may not link HELOC accounts opened.
Payments can be scheduled from a Current, money market savings or other consumer asset account
maintained at another financial institution that you have added to Bill Pay. You certify that any
account you add to Bill Pay is an account from which you are authorized to make payments, and any
payment you make using Bill Pay will debit an account that you are legally authorized to use. When you
add an account maintained at another financial institution, you do not change the agreements you have
with that financial institution for that account. Please review those agreements for any applicable
fees, limitations on the number of transactions you can make, and for other restrictions that might
limit your use of the account with Bill Pay.
Payments! can be entered as a one-time transaction up to a year in advance, recurring transactions or as
payments that are automatically scheduled upon the receipt of an electronic bill (e-Bill).
Future scheduled or recurring payments that fall on a weekend or a non-business day will be processed on
the prior business day.
You authorize us to make payments in the manner we select from the following methods:
Electronic transmission. Most payments are made by electronic transmission.
Corporate check – This is a check drawn on our account or the account of our vendor. If a Payee on a
corporate check fails to negotiate the check within ninety (90) days, we will stop payment on the check
and re-credit your account for the amount of the payment. If a corporate check is returned to you prior
to the end of the ninety (90) day period, please inform us immediately so that we can stop payment on
the check and re-credit your account.
Personal check – This is a check drawn on your account when it is presented for payment.
All payments under Bill Pay that are sent care of APO/FPO or similar addresses will be sent by corporate
or personal check. Because all such payments will be made by check, they will not be Remittance
Transfers (as defined in section 5.F. of this Agreement).
Any obligations that you wish to pay through Bill Pay must be payable in U.S. dollars to a Payee located
in the United States. We reserve the right to restrict categories of Payees to whom payments may be made
using the Service. We recommend that you not use the Service to make:
Tax payments
Court-ordered payments
Payments to settle securities transactions
Scheduling Bill Payments
The scheduled delivery date is the date you enter for the payment to be delivered to the Payee. For
payments made by electronic transmission or corporate check, the payment amount will be debited from the
account that you designate on the scheduled delivery date. For payments made by personal check, the
account you designate will be debited when the check is presented to us for payment which may occur
before, on or after the scheduled delivery date.
Payments (other than payments to a Peoples United International Trust Bank Payee) initiated before 5:00
p.m. ET on a business day will be scheduled and begin processing on the same business day. Payments that
are entered after this cut-off time or on a day that is a non-business day will be scheduled and
processed the next bank business day.
For payments to a Peoples United International Trust Bank Payee, such as a vehicle loan, HELOC or
mortgage, Peoples United International Trust Bank will process and credit the payment to the account
effective the same business day, provided the payment is scheduled prior to the 5:00 p.m. ET
cut-off.
For payments to Peoples United International Trust Bank credit card and business line of credit
accounts, Peoples United International Trust Bank will process and credit the payment to the account
effective the same day, provided the payment is scheduled prior to the 11:59 p.m. ET cut-off.
Bill Discovery Service. At your option, we may offer you the opportunity to add Payees from our service
provider’s network or, with your consent, to access your credit report to help you identify Payees which
you would like to add to this service. Information from these sources may make it easier for you to make
payments or add relevant e-bills to your Service.
When you attempt to schedule a payment, we will inform you of the earliest available delivery date. To
assure timely payment and obtain the full benefit of the Online Banking Guarantee described below, you
must schedule payments, and your account must be in good standing and have sufficient available funds in
the designated deposit account to cover the payment, at least five (5) bank business days before the
payment due date, NOT the date after which late payment fees may be assessed.
If an account does not have sufficient available funds on the scheduled date, we may elect not to
initiate one or more of the transfers. If we do elect to initiate the transfer, which may involve one or
more attempts on subsequent business days, it may cause an overdraft in your account in which case you
shall be fully responsible for the overdraft and any overdraft fees, as set forth in your Deposit
Agreement, as well as all late fees, interest charges or other action taken by the Payee.
Under our Online Banking Guarantee, if we fail to process a payment in accordance with your properly
completed instructions, we will reimburse you for any late payment fees. As indicated above, some
payments may be made by a personal check. Since we can’t predict the exact date that a personal check
will be presented to us for payment, please make sure you have sufficient funds in your account
beginning a few days before your scheduled delivery date and keep such funds available until the payment
is deducted from your account.
Bill Pay payments sent via corporate or personal check with different Payee names may be combined in one
envelope if those payments have the same mailing address, and your intended Payee has not registered
their full/unique mailing address with the USPS, including their secondary address designation, e.g.,
Suite, Room, Floor, Dept., Building, or Unit. If we need to, we’ll change or reformat your Payee account
number to match the account number or format required by your Payee for electronic payment processing
and eBill activation.
B. Bill Pay for Credit Card, Business Line of Credit or Vehicle Loan (automotive, recreational vehicle,
boat or aircraft) Only Customers
Peoples United International Trust Bank credit card, business line of credit or vehicle loan account
only customers may use Bill Pay in the following manner:
Payments to your Peoples United International Trust Bank credit card up to $250,000, your business line
of credit or vehicle loan account can be scheduled from a Current, money market savings or other
consumer asset account maintained at another financial institution that you have added to Bill Pay.
Payments can be entered as a one-time transaction up to a year in advance, or as payments that are
automatically scheduled upon the receipt of an e-Bill.
Payments to your credit card or business line of credit account initiated before 11:59 p.m. ET will be
applied on the same day. Payments entered after this cut-off will be scheduled and processed on the next
calendar day.
Payments to your vehicle loan account initiated before 5 p.m. ET on a business day will be applied on
the same day. Payments entered after this cut-off will be scheduled and processed on the next business
day.
If the financial institution upon which your payment is drawn rejects, refuses, or returns the payment,
the payment to your Peoples United International Trust Bank credit card, business line of credit or
vehicle loan will be reversed and you may incur late payment or other fees. The institution holding your
deposit account may impose a returned item or other fee.
C. E-Bills
E-Bills is a feature of the Bill Pay Service that enables you to receive bills electronically from
participating Payees
Approval of e-Bills
Participating Payees establish their own criteria for reviewing requests to receive e-Bills and have
sole discretion to accept or decline your request.
Accessing e-Bills from a Third Party
In some cases we obtain the e-Bill from the web site of the Payee. To do so, we will ask you for
information needed for this purpose, such as any required password. When you provide this information,
you authorize us to access the third party web site to retrieve the account information on your behalf,
and you appoint us your agent for this limited purpose.
Timely Delivery of e-Bills.
We take no responsibility if a Payee does not provide the necessary data to forward an e-Bill in a
timely manner. If you do not receive an e-Bill, it is your responsibility to contact the Payee directly.
We are not responsible for any late charges or other adverse consequences. Any questions regarding your
e-Bill details should be directed to your Payee.
Stop e-Bills
You or we can cancel the e-Bill service, or a particular e-Bill at any time. If you request that a
particular e-Bill be discontinued, we require seven (7) business days for the Payee to receive and
process the request. If an e-Bill from a Peoples United International Trust Bank Payee is canceled, any
e-Bills previously delivered but not paid will be removed from your list of payable e-Bills.
Privacy
When you request e-Bills from a participating Payee you may be asked to provide certain information that
will be forwarded to the Payee to complete your enrollment. When you provide this information, you
authorize us to share it with the Payee.
Introductory e-Bill Opportunity
You understand and agree that selected Payees may provide e-Bills to you through Bill Pay for up to
three months in order to introduce you to the convenience of Bill Pay. We will notify you in advance of
such introductory opportunities. Peoples United International Trust Bank does not have access to and
does not store detailed billing information contained in the e-Bill. Only you will have access to the
detailed bill information. If at any time you choose not to participate in this introductory e-Bill
opportunity, you have the following options:
You can discontinue a specific e-Bill by signing into Bill Pay and selecting “cancel the e-Bill trial.”
To be removed from all future e-Bill trial enrollments, please e-mail customer at
info@finexxcommunitybank.com care from the email address that you use for the Service.
If you wish to continue to receive the e-Bills after the introductory period, please follow the
instructions at the e-Bills page of Bill Pay.
D. Limits
Bill payments from your Peoples United International Trust Bank account can be for any amount up to
$99,999.99. Please note, however, that some Payees may place limits on the amount they will accept via
electronic transmission. When the limit is exceeded, the payment will be remitted by check.
E. Canceling Bill Payments
In order to cancel a bill payment (including a payment you scheduled from an account maintained at
another financial institution), follow the directions provided in Bill Pay. The cancel feature is found
in the Payment History or Recurring Payments sections. You may also request to cancel a future scheduled
or recurring transfer by calling us or sending an email for consumer accounts and small business
accounts. If you are calling from outside of the continental.
Future-dated or recurring payments can be canceled prior to 5 p.m. ET on the third bank business day
prior to the scheduled delivery date. Once a payment has begun processing, it cannot be canceled.
If a check has been issued for your bill payment, any stop payment provisions that apply to checks in
the agreement governing your bill pay funding account will also apply to Bill Pay.
F. Fees
There are no service fees for use of the Bill Pay Service.
4. Offshore Banking Network Service (Email and Mobile Transfers)
A. Description of Service
We have partnered with the Offshore Banking® Network to enable a convenient way to transfer money
between you and others who are enrolled directly with Offshore Banking or enrolled with another
financial institution that partners with Offshore Banking (each, a “User”) using aliases, such as email
addresses or mobile phone numbers. We will refer to financial institutions that have partnered with
Offshore Banking as “Network Banks.”
Offshore Banking provides no deposit account or other financial services. Offshore Banking neither
transfers nor moves money. You may not establish a financial account with Offshore Banking of any kind.
All money will be transmitted by a Network Bank.
Transfers will be governed by the rules of any funds transfer system through which the transfers are
made, as amended time from time, including, without limitation, the National Automated Clearing House
Association (“NACHA”) or real time payment services (“RTP”).
THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY AND OTHERS YOU TRUST. YOU SHOULD NOT USE THE
SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.
Offshore Banking and the Offshore Banking related marks are wholly owned by Early Warning Services, LLC
and are used herein under license.
B. Eligibility and User Profile
When you enroll to use the Service or when you permit others to whom you have delegated to act on your
behalf to use or access the 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. You
agree that you will not use the Service to send money to anyone to whom you are obligated for tax
payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child
support), fines, payments to loan sharks, gambling debts or payments otherwise prohibited by law, and
you agree that you will not use the Service to request money from anyone for any such payments.
The Service allows you to send or receive money using your consumer or small business deposit account.
We reserve the right to suspend or terminate your use of the Service if we believe, in our sole
discretion, that you are using the Service for other purposes, or if we believe you are using the
Service in a manner that exposes Peoples United International Trust Bank or Offshore Banking to
liability, reputational harm or brand damage, including but not limited to using the Service to request,
send or receive money related to any of the following:
Illegal or brand damaging activities include, but are not limited to:
Any activity that is illegal under federal or applicable state law (e.g., drugs, gambling, counterfeit
goods);
Firearms, ammunition and other weapons;
Sexual activities or materials;
Pornography;
Materials that promote intolerance, violence or hate;
Ponzi schemes;
Traveler’s checks, money orders, equities, annuities, or currencies;
Digital currencies such as bitcoins;
Terrorist funding;
Fraud, for example:
Unauthorized Payments that occur in instances of account takeover, lost/stolen debit cards or account
information, etc.;
Scams – Recipient convinces a Sender to send money with Offshore Banking by (i). pretending to be or to
represent another person or entity; or (ii). offering to provide a good, service, or additional funds
while intending to provide nothing in return.
Money laundering
Use of the Offshore Banking Payments Service in a manner for which it was not intended, or in a way that
another customer finds harassing or inappropriate (e.g., use of memo fields to communicate with another
customer with no intention of processing a Payment).
We may determine other eligibility criteria in our sole discretion.
C. Enrolling for the 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 Service with a landline phone 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 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, 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.
D. Consent to Emails and Automated Text Messages
By participating as a User, you represent that you are the owner of the email address, mobile phone
number, 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 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
Offshore Banking, from other Users that are sending you money or requesting money from you, and from
other Network Banks or their agents regarding the Services or related transfers between Network Banks
and you. You agree that we may, Offshore Banking may or 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 carrier may charge for any related
data, text or other message services, including without limitation for short message service. You are
also responsible for the content of the memos you send using Offshore Banking. 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 is (i)
surrendered by you, or (ii) changed by you. For your security, if we notice changes on the email or
mobile number, we may delete it and notify you.
In the case of any messages that you may send through either us or Offshore Banking or that we may send
or Offshore Banking 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 Offshore Banking sends on your behalf may include your name and the memo that you
sent.
Your wireless carrier is not liable for any delay or failure to deliver any message sent to or from us
or Offshore Banking, including messages that you may send through us or through Offshore Banking or that
we may send or Offshore Banking may send on your behalf.
To cancel text messaging from us, text STOP to 53849. This will unenroll you from the service. For help
or information regarding text messaging, text HELP to 53849 or contact our customer service at
info@finexxcommunitybank.com for consumer accounts and small business accounts. You expressly consent to
receipt of a text message to confirm your “STOP” request.
Peoples United International Trust Bank ’s Offshore Banking notifications are supported by many
carriers, like AT&T, T-Mobile, Sprint, and Verizon Wireless. Check with your individual carrier to
confirm availability.
E. Receiving Money; Money Transfers by Network Banks
Once a User initiates a transfer of money to your email address or mobile phone number enrolled with the
Service, you have no ability to stop the transfer. By using the 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, Offshore
Bankingand the other Network Banks, we may need or Offshore Banking 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 block a payment that you have initiated
through a request for money, we will notify you by 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.
F. Sending Money; Debits by Network Banks
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 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 or another Network Bank 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 may only cancel a payment if the person to whom you sent the money has
not yet enrolled in the Service. If the person you sent money to has already enrolled with Offshore
Banking, either in the Offshore Banking mobile app or with a Network Bank, the money is sent directly to
their bank account (except as otherwise provided below) and may not be canceled or revoked.
In most cases, when you are sending money to another 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,
Offshore Banking and the other Network Banks, we may need additional time to verify your identity or the
identity of the person receiving the money. During this period, and in any other circumstance when we
need additional time to verify the transfer details, a hold will be placed on your account for the
amount of the transfer. You understand and acknowledge that a person to whom you are sending money and
who is not enrolled as a User may fail to register with Offshore Banking, or otherwise ignore the
payment notification, and the transfer may not occur. If the person to whom you are sending money does
not enroll, set up an email address or mobile number and accept the transfer within 14 days, the
transfer will be canceled.
The money may also be delayed or the transfer may be blocked to prevent fraud or comply with regulatory
requirements. We will notify you by email if we block a payment that you have initiated using the
Service.
We have no control over the actions of other Users, other Network Banks or other financial institutions
that could delay or prevent your money from being delivered to the intended User.
G. Liability
Except as otherwise provided in this Agreement, neither we nor Offshore Banking shall have liability to
you for any transfers of money under the Service, including without limitation, (i) any failure, through
no fault of us or Offshore Banking to complete a transaction in the correct amount, or (ii) any related
losses or damages. Neither we nor Offshore Banking shall be liable for any typos or keystroke errors
that you may make when using the Service.
THE SERVICE IS INTENDED FOR SENDING MONEY TO FAMILY, FRIENDS AND OTHERS WHOM YOU TRUST. YOU SHOULD NOT
USE Offshore Banking TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR YOU DO NOT TRUST.
NEITHER WE NOR Offshore Banking OFFER A PROTECTION PROGRAM 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).
H. 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 Offshore Banking guarantee that you
will receive money from other Users by sending a payment request, or that you will receive the amount
that you request. If a User ignores your request, we may decide or Offshore Banking may decide, in our
sole 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 us, Offshore Banking, our and their
owners, directors, officers agents and Network Banks 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 only send requests for legitimate and
lawful purposes. Requests for money are solely between the sender and recipient and are not reviewed or
verified by us or by Offshore Banking. Neither we nor Offshore Banking 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.
I. Fees
There is no fee for sending or receiving a transfer under the Service.
J. Cancellation
A transfer submitted through the Service may not be canceled once the recipient has enrolled. If the
recipient has not yet enrolled, you may cancel by going to the Offshore Banking section of the Peoples
United International Trust Bank website or mobile app and tapping on “Activity”.
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