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Mobile Banking Agreement and Disclosure

The Mobile Banking Agreement and Disclosure states the terms and conditions that you agree to by using our Mobile Banking service. This agreement supplements the Bank of Cape Cod Deposit Account Agreement and Disclosures, Internet Banking Agreement and Disclosures and any other agreement between you and Bank of Cape Cod.
The terms “you” and “your” refer to any person subscribing to the Mobile Banking service. The terms “We”, “us”, “our”, and “Bank” refer to Bank of Cape Cod. The term Mobile Banking refers to our service that allows you to access your Bank of Cape Cod accounts and perform transactions via your mobile phone with web browsing/internet capabilities.
Please read this entire Agreement prior to using Bank of Cape Cod’s Mobile Banking Service. By using Mobile Banking, you acknowledge your receipt and understanding of this disclosure and agree to all terms and conditions of this agreement.

Account Eligibility and Enrollment

Mobile Banking is available to any persons who have subscribed to Bank of Cape Cod’s Online Banking Service and has an account in good standing.

Enrollment will be completed by logging in to Online Banking at From there you will select Mobile Banking from the Options drop down menu and complete enrollment.

Available Services

With Mobile Banking you can instantly access your Checking, Savings, and in some cases, Loan accounts, and;
1. Check your balances
2. Review current business day transactions
3. Review transaction history since your last statement
4. Transfer funds

Logging in to Mobile Banking

To access Mobile Banking you will need to use:
1. The link (one time password) that will be sent via text message after enrollment.
2. Your Bank of Cape Cod access ID.
3. A unique 4 digit Mobile Banking PIN number you choose for Mobile Banking at the time of enrollment.

PLEASE NOTE:  After each successful login to Mobile Banking, you will receive a new link (one time password) via a text message for your next login. The link (one time password) will be unique for each mobile banking session you initiate.
You are responsible for keeping your access ID, Mobile Banking PIN number and text messages private. Anyone to whom you give your access ID, Mobile Banking PIN number and access to your text messages will have access to your accounts. You are liable for all transactions that you or anyone to whom you reveal your access ID, Mobile Banking PIN number and text message (one time password) performs. If you think that your access ID, Mobile Banking PIN number or text messages have been lost, stolen or compromised, immediately notify us at (508) 568-2300.

Limits on Mobile Banking Transactions

Transactions conducted via Mobile Banking are subject to all withdrawal and transfer limitations and excess activity charges described in the Bank of Cape Cod’s Account Agreements and Disclosures.

Limitations on Frequency of Transfers

Transfers from a money market deposit account to another account or to third parties by preauthorized, automatic, Mobile Banking, online banking or telephone transfers are limited to six per month or statement cycle with no more than three by check, debit card, or similar order to third parties.
Preauthorized transfers from a savings deposit account, through an automated clearing house (ACH) or otherwise, telephone transfers, mobile banking, and wire transfers are limited to six per month.

Hours of Accessibility

In general, Mobile Banking is accessible 24-hours per day, seven days a week; however, Bank of Cape Cod does not guarantee that Mobile Banking will be available at all times. Occasionally, due to system maintenance or reasons beyond our control, the mobile banking service may be unavailable.

Termination of Account Access

We reserve the right to terminate the Mobile Banking Service, in whole or in part, at anytime with or without cause and without prior written notice. In that event, or in the event that you give us a termination notice, we may (but are not obligated to) immediately discontinue making previously authorized transfers, including recurring transfers and other transfers that were previously authorized but not yet made. We also reserve the right to temporarily suspend the Services in situations deemed appropriate by us, in our sole and absolute discretion, including when we believe a breach of system security has occurred or is being attempted. We may consider repeated incorrect attempts to enter your Access ID or Mobile Banking PIN as an indication of an attempted security breach. Termination of the Services does not affect your obligations under this Agreement with respect to occurrences before termination.

Equipment and Software

Bank of Cape Cod does not guarantee that your mobile phone/mobile phone service plan will be compatible with our Mobile Banking service. You are responsible for understanding the operation and maintenance of your mobile phone. Bank of Cape Cod is not responsible for any errors or problems related to your mobile phone, mobile provider, or mobile internet access. Nor are we responsible for any fees assessed by your telephone company, internet service provider, or any other outside party.

Mobile phones with internet capabilities are susceptible to viruses. Customers are responsible for making sure that the mobile phone they are using to access Mobile Banking is protected from and free of viruses, worms, Trojan horses, or other similar harmful components (collectively, referred to as “viruses”), which could result in damage to programs, files, and/or your phone or could result in information being intercepted by a third party. Bank of Cape Cod will not be responsible or liable for any indirect, incidental, special or consequential damages that may result from such harmful components being present on the mobile phone, nor will Bank of Cape Cod be responsible or liable if sensitive information accessed via our Mobile Banking service is intercepted by a third party due to any of the above named “viruses” residing or being contracted by the customer’s mobile phone at any point or from any source.
We are not responsible for errors or delays or your inability to access the service caused by your equipment. We are not responsible for the cost of upgrading your equipment to stay current with the services nor are we responsible, under any circumstances, for any damage to your equipment or the data resident thereon.

Electronic Mail (email)

You may choose to communicate with Bank of Cape Cod using electronic mail. However, be advised that email transmissions are not secure. We strongly discourage you from sending confidential account information to Bank of Cape Cod via email.  Bank of Cape Cod is not responsible for any error or problems of any kind involving your email. At no time will any Bank of Cape Cod employee ask for confidential information over email.

New Services

Bank of Cape Cod may, periodically, introduce new Mobile Banking services. By using the new services when they become available, you agree to be bound by the terms and conditions concerning these services.


There is no fee for using the Mobile Banking Service at Bank of Cape Cod however, all other fees associated with your accounts apply. Standard text messaging rates and other taxes and additional fees from your mobile phone service provider may apply when using Mobile Banking. Check with your specific mobile phone service provider for more information on fees.

Contacting Bank of Cape Cod

To notify Bank of Cape Cod, call us at (508) 568-2300 during regular business hours of 8:30 a.m. – 5:00 p.m. EST Monday through Friday. You can also write us at the following address: 232 Main Street, Hyannis, MA 02601.

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All Rights Reserved.

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