1st Constitution Bank

Personal Terms & Conditions

Clicking "I Agree" at the bottom of the page signifies your acceptance to the following two statements on account terms and conditions:

By clicking below you agree to accept account opening disclosures and periodic statements electronically and acknowledge you are able to access and retain the disclosures that are available on this website. Agreeing to accept account terms electronically means that once you review the terms and conditions provided below and click to accept them, those terms and conditions will apply to you and your account. These will be made available to you electronically on this website. You also agree to receive periodic account statements and/or notice electronically and acknowledge you are able to access and retain them.

Electronic Fund Transfer Disclosure Statement

The purpose of this Disclosure Statement is to inform you of your rights under the Electronic Fund Transfer Act. The Electronic Funds Transfers we are capable of handling are indicated below. Additional services may be provided in the future as they are developed. Please read this Disclosure Statement carefully and keep it for future reference. In this Disclosure Statement, the words "you" or "your" refer to the 1st Constitution Bank depositor and any authorized user(s) of the account. The words "we", "us", "our" and "1st Constitution Direct" refer to 1st Constitution Bank operating as 1st Constitution Direct.

1. ELECTRONIC FUND TRANSFER SERVICES. The only electronic fund transfer service that is available to you when you open accounts with us is as follows:

Transfer funds between your 1st Constitution Direct account(s) and the checking account(s) at other financial institutions that are linked to your 1st Constitution Direct account(s) ("linked accounts") via the Internet, using your Password.

2. CHARGES FOR ELECTRONIC TRANSACTIONS. We currently do not charge a fee for our electronic fund transfer services. We reserve the right to charge fees at a later time and will notify you if we do so as required by law.

3. ACCOUNT TRANSFER LIMITATIONS. You may only transfer funds out of your savings account(s) up to six (6) times per monthly statement cycle using any combination of our electronic fund transfer services. You are not limited in the number of transfers that you may make into your savings account(s). These transfer limitations are imposed to comply with Federal Law.

4. RECORD OF TRANSACTIONS.

You will receive monthly statements for all electronic fund transfers described in this Disclosure. The statement will include the status of your account(s) and electronic transactions that you made during the past month.

5. HOW TO CONTACT US. If you believe your Password is no longer secure or confidential, or that someone has conducted or may conduct an electronic funds transfer without your permission, please contact us immediately by accessing our website www.1stconstitutiondirect.com through the Internet and click the "Contact Us" button or calling 1-866-934-4178

6. LIABILITY FOR UNAUTHORIZED TRANSFERS. CONTACT US IMMEDIATELY if you believe that an unauthorized transfer has occurred or may occur concerning your account(s) or that your Password is no longer secure or confidential or may have been used without your permission. Telephoning us at 1-866-934-4178 is the best way of keeping your losses to a minimum. If you telephone us, we may require that you send us written confirmation of your notice to be received by us within ten (10) business days of your phone call. You may also notify us through our website www.1stconstitutiondirect.com but we may also require that you send us written confirmation of your notice to be received by us within ten (10) business days of your electronic notice to us.

You could lose all the money in your account(s) if you take no action to notify the Bank of the unauthorized transfer or the loss of security or confidentiality of your Password. If you notify the Bank of the loss, your liability for unauthorized transfers will be as follows:

If someone else used your Password without your permission, you could lose as much as $500 if you do NOT contact us within two (2) business days after you learn of the loss or unauthorized use and we can prove that we could have prevented the loss had you contacted us.

If your monthly statement shows transfers that you did not make and you do NOT contact us within sixty (60) days after the statement was mailed to you or first became available via electronic means if you elected to receive your statement electronically, you may not get back any money lost after the sixty (60) days if we can prove that your contacting us would have prevented those losses.

We can extend these time periods if extenuating circumstances (such as a long trip or hospital stay) kept you from notifying us.

7. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR TRANSACTIONS. Telephone us at 1-866-934-4178, or send us an electronic communication through the Internet at our website www.1stconstitutiondirect.com as soon as you can if you think your statement or transaction record is wrong or if you need more information about a transaction listed on a statement or receipt. We must hear from you no later than sixty (60) days after the FIRST statement on which the problem or error appeared was mailed to you or first became available via electronic means if you elected to receive your statement electronically.

You must provide us with the following information:

Tell us your name and account number;

Describe the error or the transaction 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

Tell us the dollar amount of the suspected error.

If you tell us verbally or through electronic communication, we may require that you send us your complaint or question in writing within ten (10) business days to WWW.1stConstitutionDirect.com and click on the "Contact Us" button. We will tell you the results of our investigation within ten (10) business days or twenty (20) business days for international transactions (an electronic funds transaction initiated outside the United States or Puerto Rico), 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, or ninety (90) days for international transactions, to investigate your complaint or question. If we decide to do this, we will recredit your account within ten (10) business days, or twenty (20) business days in the case of an international transaction, for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we require your written confirmation and we do not receive your complaint or question in writing within ten (10) business days, we may not recredit your account.

If we decide that there is no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents we use in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude that no error has occurred.

We may provide you with the results of our investigation electronically if you have agreed to receive electronic communications from us

8. STOP PAYMENT PROCEDURE. You may not stop payment of an electronic transfer that is not recurring once you have initiated the transaction.

9. BUSINESS DAYS. Our business days include every day other than Saturday, Sunday or any one of the Federal Holidays or other days we are closed.

10. DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES. We shall disclose information to third parties about your account or the transfers you make:

Where it is necessary to complete transactions;

In accordance with your written permission;

In order to comply with court orders or government or administrative agency summonses, subpoenas, orders, examinations and escheat reports; and/or

On receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.

11. OUR LIABILITY FOR FAILURE TO COMPLETE AN ELECTRONIC FUND TRANSFER. If we fail to complete a transaction on time or in the correct amount, when properly instructed by you, we will be liable for damages proximately caused by our failure unless:

There are insufficient funds in your account to complete the transaction through no fault of ours;

The funds in your account are unavailable;

The funds in your account are subject to legal process;

We did not receive a direct deposit instruction;

The failure is due to an equipment breakdown that you knew about before you began a transaction;

The failure was caused by an Act of God, fire or other catastrophe, or any other cause beyond our control despite reasonable precautions that we have taken;

Your Password has been reported lost or stolen or and you are using the reported / suspended Password;

We have reason to believe that the transaction requested is unauthorized;

You attempt to complete a transaction which is not a permissible transaction listed above;

You did not provide us with the correct account information for those accounts to which you wished to direct a transfer.

In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors.

12. LIMITATION OF OUR LIABILITY. UNLESS OTHERWISE REQUIRED BY LAW, WE WILL NOT BE RESPONSIBLE FOR ANY LOSSES OR DAMAGES FROM THE USE OF THE SERVICES DESCRIBED IN THIS DISCLOSURE STATEMENT INCLUDING INDIRECT, SPECIAL OR CONSEQUENTIAL LOSSES OR DAMAGES.

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TRUTH IN SAVINGS DISCLOSURES

Monthly Service Charge - none.

Bonus rate is for new accounts / new money only.

Direct Savings Rate information - At our Discretion we may change the interest rate at any time. If you do not complete the verification procedures explained to you at the time of account opening within 45 days of account opening no interest may be paid.

Balances from $3,000 to $100,000 receive a rate of 1.00% with an APY1.00%

Balances $2,999 and below earn a rate of .50% with an APY of .50%.

Direct Super Savings Rate Information- At our Discretion we may change the interest rate at any time. If you do not complete the verification procedures explained to you at the time of account opening within 45 days of account opening no interest may be paid.

Balances from $10,000 to $250,000 receive a rate of 1.25% with an APY of 1.25%.

Balances $9,999 and below earn a rate of .50% with an APY of .50%.

Compounding and Crediting - Interest on your account will be compounded and credited on a monthly basis.

Balance Computation Method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal balance in the account each day.

Accrual of Interest on Non-Cash Deposits - For all types of non-cash deposits, interest will begin to accrue on the business day on which the funds were deposited.

Transaction Limitations - You may only transfer funds out of your savings account to your linked account up to six (6) times per monthly statement cycle using any combination of preauthorized and automatic transfer services. If you exceed this limit on more than an occasional basis, we will close your account.

Minimum intial deposit is $100. there are no monthly balance requirements.

Effect of Closing an Account - If you close your account before interest is credited, you will not receive the accrued interest.

Printer Friendly Electronic Fund Transfer Disclosure Statement

Terms & Conditions

When you open an account with 1ST Constitution Bank, you agree to the terms and conditions described in this agreement. The words "you" and "your" refer to each person who opens an account. The words "our", "us", "we", "Bank" and "1st Constitution Direct" refer to 1st Constitution Bank operating as 1st Constitution Direct. Please read this information carefully and keep it with your banking records.

Opening your account: Accounts opened with 1st Constitution Bank are available to permanent residents of the United States 18 years or older and have a valid tax identification number. You agree to authorize us to electronically transfer funds from your checking account at another financial institution. As part of the account opening process, we will link your 1st Constitution Direct account to the designated checking account ("linked account"). We can only link your 1st Constitution Direct account to a checking account within the United States. We reserve the right to verify that you are the owner of the linked account. When you open your account via the 1st Constitution Direct website, we will place a hold on your initial deposit(s) until you have completed the verification procedures explained at the time of account opening. If you do not complete the verification procedures within 45 days of account opening, your initial deposit may be returned without payment of interest. Customer identification will be checked upon account opening and on an ongoing basis.

Transactions: Deposits and withdrawals are made using 1st Constitution Directs' website to electronically transfer funds to or from a linked account through an automated clearinghouse ("ACH") transaction. You are responsible for properly transmitting your deposits and / or withdrawals to us as well as any loss caused by your failure to properly identify the account to which a deposit or withdrawal is made or intended to be made. Any transaction that you conduct on Saturday, Sunday or a Federal holiday or after 3pm EST will be effective the following business day.
We may limit, refuse or return all or any part of a deposit or withdrawal. If an item you deposit is returned to us unpaid or is otherwise charged back to us, we will charge back to your account the amount of the item. 
Reg CC Funds Availability Disclosure:  Consistent with standard industry practice for savings accounts and in order to protect you and us from fraudulent transactions, deposited funds will not be made available to you until the funds have cleared. If you make a deposit via an ACH entry we will generally make the money available to you after five (5) business days. As with all non-cash deposits to your account, interest will begin to accrue on the business day after the day on which the funds were deposited.

Withdrawals: You can make a withdrawal from your 1st Constitution Direct account through electronic funds transfer to your linked checking account via our website. Any transaction that you conduct on Saturday, Sunday, a Federal holiday, or after 3pm EST will be effective the following business day.

Security and Access: You are required to select a Password when opening your account. Your password will be used to protect your privacy when transacting business with 1st Constitution Direct. We will e-mail you an Access Identification Number that must be used along with your Password to process account transactions. Your Password and Access ID must be kept confidential. 
Limitations on Withdrawals and Transfers From 1st Constitution Direct Savings Accounts: Federal law requires us to reserve the right to require you to give us at least seven (7) days written notice before any withdrawal or transfer is made from a savings account. Federal law also limits transfers out of your savings account to six (6) transfers per monthly statement cycle using any automatic transfer services.    If you exceed six (6) transfers out of your account on more than an occasional basis, we will close your account. We may refuse any withdrawal or transfer of funds from your account that is made in a manner not permitted by us.
Collection Costs: You agree to pay collection agency fees and costs and / or attorney's fees and court costs if an overdraft, returned deposited item or other transaction in your account is referred to a collection agency and / or an attorney for collection.

Overdrafts: Overdrafts are not permitted. You agree not to request any transfer of funds out of your account that would exceed the balance available in your account at the time of your request.
Types of Accounts:
.	Individual Accounts. An individual account is an account in the name of one person only. Only that person can make transfers from the account. 
.	Joint Account. If any account is a joint account, the Bank will recognize an authorization for a transfer, as well as any other matter affecting the account, by one joint owner without the consent of the other joint owner. Upon the death of one party to the account, the account will belong to the surviving party or parties. The release of the funds will be subject to the New Jersey Inheritance Tax Department rules and regulations. Each party appoints the other as attorney-in-fact with respect to the account.

Privacy: We are committed to your financial security. As stated in our Privacy Policy, we do not disclose any non-public personal information about 1st Constitution customers or former customers to anyone, except as required by law.  Please see www.1stconstitutiondirect.com for additional information regarding our privacy policy.

Indemnity: If the Bank is asked to follow instructions that in its judgment expose the Bank to potential liability under the law, the Bank may refuse to follow the instructions or may require adequate security to protect it from all loss and expenses incurred in following the instructions. You agree to reimburse us for any damages, losses, liabilities, expenses and fees (including, but not limited to, reasonable attorneys' fees) that we incur in connection with your account if we take an action in accordance with your or what purports to be your oral, written or electronic instructions.
Change of Address: The Bank must be properly notified of any change of mailing address or e-mail address in writing or as otherwise permitted by us. Any notice we mail or transmit to you at the last address on our records will be binding on you.

Closing an Account: Either you or we may close your account at any time and for any reason. We may close your account without advance notice.

Lien and Set-Off: We have a continuing lien on, and under this agreement you grant us a consensual security interest in, all of your deposits as security for any and all debts or obligations you owe us as borrower or otherwise, whether due or to become due. We may at our option at any time and without notice to you use all or any part of the money from your account ("set-off"), whether an individual or joint account, to pay any debt you owe to us of whatever kind and however arising. The set-off shall be a lawful and valid payment by you. This right of set-off does not apply to your accounts to the extent restricted or prohibited by law or contract.
Change in Terms/Waiver of Terms: We can change these terms and conditions and add new terms and conditions at any time. Changes and new terms and conditions will be binding upon you and your account as of their effective date. If the change is not in your favor, we will, at least thirty days prior to its effective date, notify you of the change via mail or provide notice to you electronically if you have affirmatively agreed to accept electronic notification. We may change these terms and conditions without notice to you when necessary to conform to federal or state law. We reserve the right to terminate, change or add products, account types or services at any time and within our sole discretion. Notice of such changes, additions or termination will be provided as required by law. We have the right to waive any of our rights under this agreement with respect to any transaction without obligating ourselves to treat future transactions in the same way.

Assignment: No-account or part of an account may be pledged, assigned, given as a gift, or otherwise transferred to a third party without our prior written consent.
Compliance with Laws and Regulations: Your accounts are subject to both Federal law and the law of the State of New Jersey. Your account is also subject to any operating circulars or clearing house rules that apply to us and the rules and regulations of our supervisory authorities (together with Federal and New Jersey law, the "Applicable Laws"). If there is a conflict between these terms and conditions and the Applicable Laws, these terms and conditions will be changed to the extent necessary to comply with the Applicable Laws. If any provision of these terms and conditions is declared to be invalid, unenforceable, or illegal, that provision will not affect the validity of any other of these terms and conditions.
Levies, Attachments, and Other Court Process: If we receive a levy, attachment, or other court process against you or any party to the account, we may refuse to permit transfers from your account until the legal process is dismissed or satisfied. Any levy, attachment, or other court process will be subject to our right of set-off and security interest. You are responsible for any losses, costs, or expenses we incur as a result of any dispute or legal proceeding involving your account.

Claims on the Account: If we receive a claim against the funds in your account, or if we know of or believe that there is a dispute as to the ownership or control of funds in the account, we may, in our discretion, place a hold on your account and refuse to pay out any funds from your account until we are satisfied that the dispute is settled, close the account and send the balance to the named account holder(s), continue to rely on the current account records, require a court order to act, or take any other action which we feel is necessary to protect us. We will not be liable to you for taking any such action.

Death or Incapacity: If you die or are declared legally incompetent we can continue to accept and collect items deposited to your account until we are notified of your death or adjudication of incompetence and have a reasonable opportunity to act.
Notices: Any notice that you give to us will be effective when it is actually received by us. Any notice that we give to you will be effective when it is electronically transmitted or deposited in the United States mail, as applicable, and addressed to you at your statement mailing address or electronic mail address. Notice to any one owner of a deposit account is notice to all owners of the deposit account.

Jury Trial Waiver: YOU AGREE TO GIVE UP YOUR RIGHT TO A TRIAL BEFORE A JURY. Subject to applicable law, you and we each agree to waive the constitutional right to a trial before a jury. Our disputes will be resolved either through arbitration or in the courts, in either case without any jury.
Limitation of Our Liability: We will make all reasonable efforts to give you access to your accounts and current and complete account information. However, you agree that we will not be responsible for any interruption in service or loss caused by an event which is beyond our control, including, but not limited to, natural disasters, wars, riots, strikes, computer failure or loss of power, communication, or transportation facilities. We will not be responsible for any losses or damages, including direct damages, resulting from the use of the account, unless such losses or damages are caused by our lack of good faith or failure to exercise ordinary care. In no event will we be responsible for indirect, special or consequential losses or damages of any kind.

New Jersey Multiple Party Deposit Account Act Disclosure Statement 
This section applies to Accounts and Sub accounts which are Joint Accounts (With Right of Survivorship); Pay-On Death ("POD") Account; and Trust Accounts (With No Separate Agreement of Trust).
1.	This notice concerning ownership rights in multiple party accounts is required by a regulation of the New Jersey Department of Banking (N.J.A.C. 3.1-12.1). This notice has no bearing on the power of any party to make withdrawals from the accounts. 
2.	The accounts will be subject to the Multiple Party Deposit Account Act (N.J.S.A. 17:161-1 et.seq.;) all other laws, regulations and rules of the State of New Jersey and of the United States; the rules and regulations of the Bank; and all changes in any of the foregoing that may become effective in the future. 
3.	A Will cannot change ownership of the accounts. 
4.	Each party (or trustee) owns his or her net contribution to the account. In the absence of proof of net contribution, each party (or trustee) will own an equal share of the account during his or her lifetime, unless they expressly agree otherwise. The term "party" does not include the POD payee(s). 
5.	Upon the death of a party (or trustee) where there are one or more surviving parties (or trustees) each surviving party (or trustee) will continue to own his or her proportionate share, and the share owned by the deceased party (or trustee) at the time of death will be shared equally by the surviving parties (or trustee). 
6.	Upon the death of a party (or trustee) where there is no surviving party (or trustee), the account will belong to the surviving POD payees (or beneficiaries). If there are two or more surviving POD payees (or beneficiaries), the following rules will apply: (a) each surviving POD payee (or beneficiary) will own an equal share of the account, and (b) upon the death of a surviving POD payee (or beneficiary), the remaining POD payees (or beneficiaries) will not own any portion of the deceased POD payees' (or beneficiaries') share of the account. 
7.	The Bank will be protected from liability for all payments made from the account according to the Multiple Party Deposit Account Act. 
8.	The Bank may make payment from this account, including payment of the entire account balance (i) pursuant to any statutory or common law right of set off, levy, attachment or other valid legal process or court order, relating to the interest of any one or more of the parties; and (ii) on request to a trustee in bankruptcy, receiver in any state or Federal insolvency proceeding, or other duly authorized insolvency representative or any one or more of the parties. The Bank is not required to determine net contributions. 
9.	Each party (or trustee) acknowledges having read this notice and agrees to be bound by it.

Member FDIC

eStatements Disclosure

Electronic Delivery of Statements

By completing the consent agreement you agree to permit 1st Constitution Bank ("The Bank") to make disclosures and provide notices to you in electronic form, instead of providing such notices and disclosures in written form.

Your consent and agreement shall relate to all forms of disclosures and notices required under applicable law as a result of the various agreements between you and the Bank and shall remain valid until such time as you exercise your right to revoke this consent. You elect and authorize us, at our discretion, to electronically deliver your account statement(s) and notices that we are required to provide you under applicable Federal and State statutes and their implementing regulations, as amended from time to time.

Other Federal and State laws and regulations ("laws") may be enacted or amended in the future to provide for electronic delivery of account statements and notices. Your election also authorized us, at our discretion, to provide electronic delivery of such statements and notices pursuant to these laws after they become effective.

Terms and Conditions of Your Electronic Statement Agreement

By entering into this Agreement, you accept all the terms and conditions contained in the agreement. Please read it carefully.

The terms and conditions of your Account Agreement and Disclosure for each of your bank accounts as well as your other agreements with the Bank such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

This Agreement is also subject to applicable federal laws and the laws of the State of New Jersey. If any provision of this Agreement is found to be unenforceable according to its terms, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience or reference only and will not govern the interpretat      <tr>
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ite by clicking on the link in the e-mail. Clicking this link will take you to the Logon page for eStatements. You will need to enter your user ID and password to view your eStatement.

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