FirstMerit Mobile Banking Terms and Conditions

Thank you for using FirstMerit Mobile Banking ("Service") provided by FirstMerit Bank, N.A. combined with your handheld's text messaging capabilities. Standard messaging charges apply. For help text "HELP" to 89836. To cancel your plan, text "STOP" to 89836 at any time. In case of questions please contact customer service at customerservice@firstmerit.com or call 1-888-554-4362.

By participating in FirstMerit Mobile Banking, you are agreeing to the following terms and conditions, in addition to any terms and conditions to which you have previously agreed with respect to the underlying electronic banking and bill pay services of which FirstMerit Mobile Banking is a part, including but not limited to:

Personal Internet Banking Services Agreement
View our Consent for Electronic Communications
FirstMerit Privacy Policy

1. SMS Terms and Conditions.

a. Program: FirstMerit offers their customers mobile access to their account information (e.g., for checking balances and recent transactions) over the Short Message Service ("SMS"), account alerts (e.g., low balance alerts) and other options which may be made available in the future. Enrollment requires identification of the user's banking relationship with FirstMerit as well as providing a mobile phone number. The mobile phone number's verification is done by the user receiving an SMS message with a verification code which they will have to enter on the website. Customers may select the type of alerts and other preferences which will determine, together with their account data, the frequency of alerts delivered to the customer. The FirstMerit Mobile Banking program will be ongoing and from time to time FirstMerit may develop additional mobile phone services. Standard messaging charges apply. Customers will be allowed to opt out of this program at any time.

b. Questions: You can contact us at customerservice@firstmerit.com or 1-888-554-4362 or send a text message with the word "HELP" to this 89836. We can answer any questions you have about the program.

c. To Stop the program: To stop the messages from coming to your phone, you can opt out of the program via SMS. Just send a text that says "STOP" to 89836. You'll receive a one-time opt-out confirmation text message. After that, you will not receive any future messages.

2. Privacy and User Information.

You acknowledge that in connection with your use of FirstMerit Mobile Banking, FirstMerit and its affiliates and service providers may receive and may share with one another names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information provided by you or from other sources in connection with FirstMerit Mobile Banking or "Software" (applications for iPhone, BlackBerry, Android, etc., and as further defined below) (collectively User Information). FirstMerit and its affiliates and service providers will maintain reasonable safeguards to protect the information from unauthorized disclosure or use, but reserve the right to use and disclose this information as reasonably necessary to deliver FirstMerit Mobile Banking and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. FirstMerit and its affiliates and service providers also reserve the right to monitor use of FirstMerit Mobile Banking and Software for purposes of verifying compliance with the law, these terms and conditions, and any applicable Software license, but disclaims any obligation to monitor, filter, or edit any content.

3. Acceptable Use of the Service.

You agree to ensure that FirstMerit Mobile Banking and any software you may obtain from FirstMerit Mobile Banking ("Software") will not be used in or for any illegal, fraudulent, unauthorized or improper manner or purpose and will only be used in compliance with all applicable laws, rules and regulations, including all applicable state, federal, and international Internet, data, telecommunications, telemarketing, "spam," and import/export laws and regulations, including the U.S. Export Administration Regulations. Without limiting the foregoing, you agree that you will not use FirstMerit Mobile Banking or Software to transmit or disseminate: (i) junk mail, spam, or unsolicited material to persons or entities that have not agreed to receive such material or to whom you do not otherwise have a legal right to send such material; (ii) material that infringes or violates any third party's intellectual property rights, rights of publicity, privacy, or confidentiality, or the rights or legal obligations of any wireless service provider or any of its customers or subscribers; (iii) material or data, that is illegal, harassing, coercive, defamatory, libelous, abusive, threatening, obscene, or otherwise objectionable, materials that are harmful to minors or excessive in quantity, or materials the transmission of which could diminish or harm the reputation of any service provider involved in the provision of FirstMerit Mobile Banking; (iv) material or data that is alcoholic beverage-related (e.g., beer, wine, or liquor), tobacco-related (e.g., cigarettes, cigars, pipes, chewing tobacco), guns or weapons-related (e.g., firearms, bullets), illegal drugs-related (e.g., marijuana, cocaine), pornographic-related (e.g., adult themes, sexual content), crime-related (e.g., organized crime, notorious characters), violence-related (e.g., violent games), death-related (e.g., funeral homes, mortuaries), hate-related (e.g. racist organizations), gambling-related (e.g., casinos, lotteries), specifically mentions any wireless carrier or copies or parodies the products or services of any wireless carrier; (v) viruses, Trojan horses, worms, time bombs, cancelbots, or other computer programming routines that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data, or personal information; (vi) any material or information that is false, misleading, or inaccurate; (vii) any material that would expose any service provider involved in providing FirstMerit Mobile Banking, or any other third party to liability; or (viii) any signal or impulse that could cause electrical, magnetic, optical, or other technical harm to the equipment or facilities of any party. You agree that you shall not attempt to (a) access any Software or FirstMerit Mobile Banking services to which you have not been authorized; (b) use or attempt to use a third party's account; (c) interfere in any manner with the provision of FirstMerit Mobile Banking or Software, the security of FirstMerit Mobile Banking or Software, or other customers of FirstMerit Mobile Banking or Software; or (d) otherwise abuse FirstMerit Mobile Banking or Software.

4. Requirements.

A customer must have a cellular phone, smart phone or other handheld device (collectively, "mobile phone") with compatible wireless hardware and software, including SMS and a carrier service. Our participating carriers include (but are not limited to) ALLTEL, AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless. You acknowledge and expressly agree to be solely responsible for any fees imposed upon you by your mobile phone provider and/or participating carrier (i.e., message and data rates may apply).