If you have difficulty accessing features or functions on this website, please email us at operations@bankaplus.com or call us at (626) 463-9988 during regular business hours and we will work with you to provide the information you seek.

Our goal is to permit customers to successfully gather information and conduct business through our website and other technology platforms. American Plus Bank has taken steps and is devoting resources to promote accessibility.

We have engaged outside vendors and consultants for this purpose in an effort to be compliant with the WCAG 2.0 standards. Specific items our vendors have addressed or are addressing include: 

• Use of headings, lists, paragraphs, and other formatting features on www.bankaplus.com so guests can more easily use the site
• Use of functionality that operates through a keyboard interface without requiring specific timings for individual keystrokes
• When choosing colors and site design we consider the issue of contrast to promote the accessibility of images and text
• Designating responsibility for ensuring and promoting the accessibility of our website and other technologies

Eligible Accounts include deposit and loan accounts you maintain with American Plus Bank. Each of your Eligible Accounts will continue to be subject to the agreement that already applies to it. In the event there is any conflict between this Agreement and agreement for your Eligible Account, or if any agreement for your Eligible Accounts contains a provision that is not in this Agreement, your agreement for your Eligible Account will take precedence over this Agreement but only to the extent it applies to that particular Eligible Account. Joint account owners have the right to any information or to make any request associated with their account. Please refer to the agreement governing your Eligible Accounts for more information. Additionally, each Eligible Account and Online Financial Service will be subject to the following:

• the terms or instructions appearing on a screen when using a Service;
• American Plus Bank's rules, procedures and policies applicable to each Eligible Account and each Online Financial Service;
• the rules and regulations of any funds transfer system used in connection with an Online Financial Service; and
• applicable state and federal laws and regulations.

You authorize American Plus Bank to provide access to some or all Eligible Accounts through the Service. For each Eligible Account to which access is provided, you may request removal of such access by calling American Plus Bank Online Customer Service at (626) 463-9988. You may access an Eligible Account at the American Plus Bank website at https://www.bankaplus.com (called the "Website") or Mobile App to obtain balances, transaction history and other information. To access an Eligible Account or use an Online Financial Service you must have a password and the required hardware and software or your mobile phone. Subject to the terms of this Agreement, you will generally be able to access your Eligible Accounts through the Website or Mobile App seven days a week, 24 hours a day. A transfer between Eligible Accounts (called internal transfer) completed through a Service before the transfer cutoff time on a business day will be posted to your Eligible Account the same day. All internal transfers completed after the transfer cutoff time on a business day or on a day that is not a business day, will be posted on the next business day. The internal transfer cutoff time is 5:00 p.m. (Pacific Time). Every day is a business day except Saturdays, Sundays and federal holidays
At certain times, a Service may not be available due to system maintenance or circumstances beyond our control. During these times, you may contact us at (626) 463-9988 to obtain information about your Eligible Accounts.

Eligible Accounts that are linked together in the same portfolio will appear together without regard to the ownership of those accounts, for example, that when an authorized representative of an Eligible Account accesses the Service, that authorized representative will be able to view and access at a single time the following accounts:

• the accounts of the business for which that person is an authorized representative;
• the accounts of any other business for which that person is an authorized representative; and
• any consumer accounts for which the person is a co-owner or authorized signer

If you are a business, any authorized signer of your business account is authorized on such terms, conditions, and agreements as we may from time to time require to:

• enter into this Agreement, as amended from time to time;
• access each Eligible Account of yours in any manner and for any purpose available through the Service, whether now available or available at some time in the future; and
• use any Online Financial Service in any manner and for any purpose available through the Service, whether now available or available at some time in the future.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

Currently, bill payment and mobile deposit service is free. $14.95 for each next day Bill payment will be charged to your account.

You will continue to receive your regular account statement by mail or you can enroll in eStatement online.

During your enrollment for the Services, you are required to select certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These credentials, with the other components of your Security Codes, will give access to your Accounts through the Service. You agree to change all passwords with sufficient frequency so as to protect confidentiality. You agree to keep all Security Codes confidential; you agree not to write them down. Passwords should not be easy to guess; for example, your name or pet’s names, birthdates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. The term “Security Codes” will include any supplemental authentication tools that are used by you.

If you believe any part of your Security Code (including your Password) has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Bank immediately at (626) 463-9988 between the hours of 9:00 a.m. - 4:30 p.m. (Pacific Time), Monday through Friday. Telephoning the Bank is the best way of minimizing your losses and liability.

You may use the Service to obtain such products and services as are then available through the Service as then disclosed at the Website or mobile app. With respect to your Eligible Deposit Accounts, this includes obtaining balance information, transferring funds between eligible deposit accounts, reviewing transactions on eligible accounts, online bill payment and obtaining account statement. With respect to loan accounts, you may obtain balance information and loan statement. By using an Online and Mobile Banking Service, you agree to be bound by the terms contained in this Agreement at that time.

The Mobile Banking Service allows you to access certain information, to receive alerts, and to remotely deposit checks into an eligible account (“Mobile Deposit”) through the Bank’s Mobile Banking App. Any check remotely deposited must be properly endorsed, must be deposited into an account of the payee, and must include restrictive endorsement language Prior to capturing the check image, you must write “For Mobile Deposit Only to American Plus Bank, N.A.” on the back of the check. You are responsible for creating an accurate check image and entering the correct dollar amount of the check. Participation in Mobile Banking Services is voluntary. In order to register, you must download the Bank’s Mobile Banking App and accept the associated Terms and Conditions of Mobile Banking Services. The Mobile Banking Terms and Conditions are controlling only as specifically applied to your use of the Mobile Banking Service on the App. Message & data rates from your carrier may apply.

Through the Service, you may enroll in our Bill Payment Service. The Bill Payment Service allows you to schedule a one-time or recurring payment from your checking account with us.

Refer to the “Bill Payment Service Terms and Conditions” under a separate link for specific information. 

Alerts. Your enrollment in American Plus Bank, N.A. Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your American Plus Bank, N.A. account(s). Account Alerts and Additional Alerts must be managed and/or added online through the Service. We may add new alerts from time to time, or cancel old alerts. We usually notify you when we cancel alerts, but are not obligated to do so. American Plus Bank, N.A. reserves the right to terminate its alerts service at any time without prior notice to you.

Methods of Delivery. We may provide alerts through one or more channels (“endpoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your American Plus Bank, N.A. Online Banking message inbox. You agree to receive alerts through these endpoints, and it is your responsibility to determine that each of the service providers for the endpoints described in (a) through (c) above supports the email, push notification, and text message alerts provided through the alerts service. Please be advised that text or data charges or rates may be imposed by your endpoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message. To stop alerts via text message, text "STOP" to {ShortCode} at anytime. Alerts sent to your primary email address will be unaffected by this action. To restore alerts on your mobile phone, just visit the alerts tab in American Plus Bank, N.A. Online Banking. For help with SMS text alerts, text “HELP” to 41952. In case of questions please contact customer service at 626-463-9988. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations. American Plus Bank, N.A. provides alerts as a convenience to you for information purposes only. An alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside American Plus Bank, N.A.’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold American Plus Bank, N.A., its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information. As alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that alerts may not be encrypted and may include your name and some information about your accounts, and anyone with

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

This Agreement will become effective on the Effective Date and shall remain in full force and effect until termination in accordance with the following provisions.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

We may immediately terminate your electronic banking privileges without notice to you under the following circumstances:

• you do not pay any fee required by this Agreement when due; or
• you do not comply with the agreement governing your deposit or loan accounts or your accounts are not maintained in good standing.

We will promptly notify you if we terminate this Agreement or your use of the Services for any other reason.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

To terminate this Agreement, you must notify the Bank and provide your name, address, the Service(s) you are discontinuing, and the termination date of the Service(s). You may notify the Bank by one of the following methods:

• By calling (626) 463-9988 or email to internetbanking@bankaplus.com; or
• By writing a letter and either sending it to the following address: 

         Attention: Internet Banking Administrator

         American Plus Bank, N.A.

         171 S. Hudson Ave

         Pasadena, CA 91101 or

• giving it to a Customer Service Representative at any of the Bank's locations during our regular business hours posted at that location

We may convert your account to inactive status if you do not sign on to the Service or have any transaction scheduled through the Service during any consecutive 180-day period. If your account is considered inactive, you must contact us to have the Service activated before you will be able to schedule any transaction through the Service.

XIV. ERRORS AND QUESTIONS

In case of errors or questions regarding an Online Banking or mobile deposit transaction, please call 626-463-9988. You should report an unauthorized Online Banking or mobile deposit transaction that appears on your periodic statement no later than 60 days of transmittal of the statement.

     1. When reporting a problem, be prepared to provide the following:

• Your name and account number
• A description of the error or the transfer in question and an explanation concerning why you believe it is an error or need more information; and
• The dollar amount of the suspected error and date on which it occurred.

     2.You may notify the Bank by telephone, writing, or by email (Refer to XIII C). Notification by e-mail to report an unauthorized transaction is not guaranteed to be secured and therefore not advised. 

XV. LIABILITY

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

This section explains our liability to you only to the extent that our liability has not been separately disclosed by any other agreements, notices or disclosures. In no event shall we be liable to you for failure to provide access to your Online Banking or mobile deposit or Bill Payment services accounts. Unless otherwise required by applicable law, we are only responsible for performing the Online Banking and Bill Payment services as delineated in this Agreement and Bill Payment Terms and Conditions. We will be liable for the amount of any material losses or damages incurred by you resulting directly from our gross negligence. We will not be liable to you in the following instances:

1. If through no fault of the Bank, you do not have enough money in your account to make the transfer;
2. If circumstances beyond our control (such as fire, flood, power outage, equipment or technical failure or breakdown) prevents the transfer despite reasonable precautions that we have taken;
3. If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy;
4. If your funds are subject to a legal proceeding or other encumbrance restricting the transfer;
5. If your transfer authorization terminates by operation of law;
6. If you believe someone has accessed your accounts without your permission and you fail to notify the Bank immediately;
7. If you have not properly followed the instructions on how to make a transfer included in this Agreement;
8. If we have received incomplete or inaccurate information from you or a third party involving the account or transfer; and
9. If we have a reasonable basis for believing that unauthorized use of your password or account has occurred or may be occurring or if you default under this Agreement, the deposit account agreement, a credit agreement or any other agreement with us, or if we or you terminate this Agreement.

IN NO EVENT SHALL WE HAVE ANY LIABILITY TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM OR ARISING OUT OF THIS AGREEMENT.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

You agree to indemnify, defend and hold us, our affiliate companies, directors, officers, employees and agents harmless against any third party claim, demand, suit, action or other proceeding and any expenses related to an Online Banking or Mobile banking/deposit or Bill Payment account.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

We are not liable for any loss or liability resulting from any failure of your equipment or software, or that of an internet browser provider, by an internet access provider, or by an online service provider, nor will we be liable for any direct, indirect, special or consequential damages resulting from your access to or failure to access an Online Banking or Mobile banking/deposit or Bill Payment account.

One way we may communicate with you is through email. By sending us an email or otherwise providing us with an email or text message address, you expressly consent to American Plus Bank sending email or text messages to such address. You should not rely on e-mail if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. You cannot use email to initiate transactions on your Eligible Accounts unless you have signed the "Fund Transfer Authorization" agreeing to use the Bank's secured email. For transactions, please use the appropriate functions within the Service or call American Plus Bank Online Customer Service at 626-463-9988.
NOTE: E-mail transmissions outside of the Online Banking Website are not secure. We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system.

The Bank is not responsible for any electronic virus or viruses that you may encounter. 

A. CHANGES

We reserve the right to amend or cancel any of the provisions of this Agreement, including changes to any fees, costs, or assessments. We may amend or cancel any provision or charge by disclosing the change electronically, and, at our option, by sending you notification in addition thereto. We will provide notice of thirty (30) days of any changes (or such lesser period as may be allowed by applicable law) unless an immediate change is necessary to maintain the security of the system. You may choose to accept or decline amendments, cancellations or changes by continuing or discontinuing the accounts or services to which these changes relate, at your option. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations.

 B. GOVERNING LAW

Each of your Eligible Accounts will continue to be read and interpreted according to the laws described in the agreements you have with us regarding those Eligible Accounts (for example, your deposit account agreement with us). Except where superseded by the laws of the United Stated of America or regulations promulgated there under, this Online Banking Agreement will be read and interpreted according to the laws of the State of California, without regard to conflict-of-law rules. In any legal action or claim regarding this Online Banking Agreement, the prevailing party will be entitled to recover costs and attorney fees.

C. ASSIGNMENT

We may assign this Agreement to any affiliate, parent or other company; however, you may not assign or transfer this Agreement. We may also assign or delegate certain of our rights and responsibilities under this Agreement to independent contractors or other third parties.

D. PROPRIETARY RIGHTS

Other than your Materials and Account Information, all content included or available on the Service, such as advertisements, text graphics, logos, button icons, images, audio clips, and software, is the property of American Plus Bank, and/or third parties and is protected by copyrights, trademarks, or other intellectual and proprietary rights. The compilation (meaning the collection, arrangement, and assembly) of all content on the Service is the exclusive property of American Plus Bank and/or it licensors and is protected by copyright or other intellectual property rights. The trademarks, logos, and service marks displayed on the Service (collectively the "Trademarks") are the registered and unregistered trademarks of American Plus Bank, or third parties. Under no circumstances may you use copy, alter, modify, or change these Trademarks. Nothing contained on the Service should be construed as granting by implication or otherwise any license or right to use any Trademark without the express written permission of American Plus Bank, or the third party which has rights to such Trademarks, as appropriate.

E. ENTIRE AGREEMENT

This Agreement represents the sole and exclusive agreement between you and American Plus Bank regarding the Service and merges and supersedes all previous and contemporaneous written or oral agreements and understandings regarding the subject matter hereof. If any provision of this Agreement is held to be invalid or otherwise unenforceable, the remainder of the provisions shall remain in full force and effect and shall in no way be invalidated or otherwise affected.

F. MISCELLANEOUS

Headings are for reference only and in no way define, limit, construe, or describe the scope or extent of such section. Our failure to act with respect to a breach by you or others does not waive our right to act with respect to subsequent or similar breaches. If you have any questions regarding this Agreement, please contact American Plus Bank Online Customer Service at (626) 463-9988.

Rev. 6/2017

The CCPA only applies to information about residents of California.

Under the CCPA, "personal information" is information that identifies, relates to, or could reasonably be linked with a California resident or household. This information is referred to in this Notice as "Personal Data."

This Notice explains how we collect, use, and disclose personal information about California residents. The Notice also explains certain rights that California residents have under the CCPA. This Notice explains how California residents can exercise their rights under the CCPA to request that we: (1) provide certain personal information that we have collected about them during the past 12 months, along with related information described below, or (2) delete certain personal information that we have collected from them.

Please contact American Plus Bank if you wish to submit a consumer request for personal information we collect, use, disclose or sell. You may contact us:

• At (626) 463-9988
• Complete American Plus Bank's CCPA request form
• Visit American Plus Bank's branches

We are required by law to verify your identity before releasing any of your information to you.

A California resident has the right to request that we:

1. Disclose to you the following information covering the 12-month period prior to your request ("Access Request"):

• The categories of Personal Data we collected about you and the categories of sources from which we collected the Personal Data;
• The business or commercial purpose for collecting Personal Data about you;
• The categories of third parties to whom we disclosed Personal Data about you, and the categories of Personal Data disclosed;
• The specific pieces of Personal Data we collected about you; and

2. Delete Personal Data we collected from you ("Deletion Request").

If you are a California resident, a business may not discriminate against you for exercising your rights under the CCPA. We are required by law to verify your identity. Please complete the form so we can validate and process your rights.