Services covered
Depending on product eligibility, Services may include account inquiry, internal and external transfers, wire initiation (where available), bill payment, stop-payment requests for eligible checks, secure messaging, eStatements, card controls, and account alerts. Not all features are available for every account type or jurisdiction. Investment trading, trust administration, and certain fiduciary workflows may be provided through separate platforms governed by their own agreements.
Enrollment & eligibility
You must be an authorized party on the account and complete identity verification and authentication setup. You represent that all enrollment information is accurate. We may deny or revoke access for risk, legal, or operational reasons, including suspected fraud, sanctions concerns, or failure to maintain contact data.
Credentials & security
You agree to:
- Maintain the confidentiality of user IDs, passwords, tokens, and devices used for multifactor authentication;
- Not share credentials with third parties except as expressly permitted in writing;
- Promptly notify us if you suspect compromise of credentials or devices;
- Use updated browsers and operating systems and enable device security features we recommend;
- Log out and secure sessions on shared devices.
We may require step-up authentication, session timeouts, or device registration. Instructions you initiate through authenticated sessions are treated as authorized unless you have notified us of unauthorized access as required below.
Access hours & availability
Services are generally available 24 hours a day except during maintenance, outages, or circumstances beyond our reasonable control. Cut-off times apply to transfers and payments; requests received after cut-off may process on the next business day. Displayed balances may exclude holds, pending debits, or provisional credits.
Transfers, payments & limits
Transfers and bill payments are subject to available funds, fraud controls, and daily or transactional limits disclosed at enrollment or in product materials. You are responsible for the accuracy of payee names, account numbers, routing numbers, and amounts. Once submitted, certain payments may not be revocable. Wires and international transfers may require additional verification and fees.
Unauthorized transfers & Regulation E
For consumer accounts, if you tell us within two business days after learning of the loss or theft of an access device or credentials, your liability for unauthorized transfers is generally limited to the lesser of $50 or the amount of unauthorized transfers before notice. If you tell us within 60 calendar days after we send (or make available) a statement showing an unauthorized transfer, liability may increase up to $500 in certain circumstances. If you fail to report within 60 days, you may bear all losses after that period if we can show the transfers could have been avoided with timely notice. These limits may not apply if you are grossly negligent or fraudulent in handling credentials.
Tell us immediately at the number or secure channel listed under Contact if you believe an EFT was unauthorized or your credentials are compromised.
Error resolution
For consumer EFT errors covered by Regulation E, notify us as soon as possible. We will investigate and resolve in the timeframes required by law, generally within 10 business days (20 business days for new accounts or foreign-initiated transfers), with provisional credit where applicable. Provide your name, account, description of the error, and approximate amount. For non-EFT servicing errors, follow the procedures in your deposit agreement.
Alerts & communications
Optional alerts may be sent by SMS, email, or push notification. Message and data rates may apply. Alerts are a convenience and may be delayed or blocked by carriers; do not rely solely on alerts for fraud detection. You consent to electronic delivery of certain notices related to the Services as described in our electronic communications disclosures.
Fees
Fees for optional services, wires, stop payments, and account maintenance are listed in the current Fee Schedule incorporated by reference. We may change fees with notice as required by law and your agreements.
Electronic records
You agree that agreements, disclosures, and signatures provided electronically have the same effect as paper records when obtained in compliance with the E-SIGN Act. You must maintain hardware and software capable of receiving and retaining records we provide electronically.
Termination & suspension
You may terminate use of the Services by notifying us and following secure closure procedures. We may suspend or terminate digital access at any time for risk, legal, or operational reasons while continuing to service accounts through other channels where appropriate. Termination does not affect transactions processed before termination or your obligations under underlying agreements.
Governing law
This Agreement is governed by federal law where applicable and the laws of the State of New York, without regard to conflict-of-law rules, except where other law applies mandatorily to consumer protection.
Contact
Report unauthorized access, errors, or Service issues to Private
Client Service:
Phone: +1 (317) 552-0423 (Mon–Fri, 8:00
a.m.–8:00 p.m. ET)
Email:
support@skyinternationalprivate.com
Secure messaging: available after you enroll in online banking.
Related: Legal disclosures · Privacy notice · Terms of use