Zag offers a wide range of banking and financial services that you can access through Zag Online and Zag Mobile. Access to our Electronic Services is free of charge but you will need to obtain Credentials from Zag in order to use certain features and functionalities.
To access and use certain features and Services through our Electronic Services, you will be required to obtain Credentials from Zag which consists of the use of one or more of the following:
Other security information required by Zag
You may select or create certain components of the Credentials yourself. When creating or selecting your Credentials, you must follow the guidelines in the “Your Responsibilities” section below.
Zag uses Credentials:
to personalize your experience and show you your account information when logged into Electronic Services;
to protect your personal and confidential information (Please refer to our Privacy and Security section on ZagBank.ca); and
as your legal signature when you give instructions to Zag via our Electronic Services.
When you use your Credentials, you agree that all actions taken by you (such as clicking on an “OK”, “Next”, “Continue” or “Approve” button) in connection with the content shown to you through Zag’s Electronic Services are the legal equivalent of your written and signed instructions to Zag.
Zag will be under no obligation to confirm the actual identity or authority of the person using Credentials.
You are not responsible for any unauthorized use of your Credentials occurring after notifying Zag by phone at 1-844-ZAG-BANK (1-844-924-2265). (Please see the “Your Responsibilities” section below).
Zag will adhere to the highest security measures on our sites and applications and we will take every precaution to protect your privacy and your confidential information (please refer to our Privacy and Security section on ZagBank.ca for details). You are responsible for protecting the confidentiality of your Credentials. You agree to keep your Credentials safe and secure, and:
you will not disclose your Credentials to anyone;
you will choose Credentials that do not include information someone could know about you (such as your birth date, phone number, social insurance number, or address) or that could be easily guessed (such as your postal code, family birthdays or names of pets);
you will select a unique password and will not use it for other sites or services;
you will change your password on a regular basis. Zag will require a password change at least annually for your security. You will not keep any written records of your Credentials;
you will take all necessary steps to keep your Credentials confidential such as shielding your Electronic Device when entering your password and speaking quietly and privately on the phone with our Client Services Representatives;
Please refer to the Privacy and Security section on ZagBank.ca for more details.
Call us immediately if any of your Credentials have been stolen, misused or may have become known to another person. Please get in touch with us at 1-844-ZAG-BANK (1-844-924-2265). You will not be responsible for any unauthorized use of your Credentials after notifying us by phone and speaking with a Client Services Representative.
Securely Connecting to Zag
Electronic Devices you use to access our Electronic Services may be vulnerable to viruses or online attacks designed to intercept or alter information, including your confidential information. To protect yourself, you must take all reasonable precautions, including ensuring that any Electronic Device you use to access our Electronic Services has an up-to-date anti-virus program, anti-spyware program and, if applicable, a firewall. In addition, log out before closing the Electronic Services in order to prevent unauthorized access to your information.
Zag offers private and secure messaging on our website through the Messages section of Zag Online where you can securely ask questions and read responses from our Client Services Representatives about your Account. You can see any emails we have securely sent to you and that you have sent to us.
Zag does not have control over the privacy of your email communications with us through your personal email service (such as Gmail, Rogers, Yahoo, etc.). We strongly recommend that you do not include private or sensitive information (such as account number, passwords, balances, etc.) in your emails to us using your personal email services. Zag will not be responsible for any damages you may suffer if you send confidential or sensitive information to us through your personal email services.
Zag grants you a non-exclusive and non-transferable license for its Electronic Services. This license authorizes you to use the Electronic Services for the purpose of accessing any Service, feature, functionality, content and/or information made available by Zag using an Electronic Device. Zag has no obligation to provide any training, maintenance, or other assistance for the Electronic Services. Any attempt (successful or not) to hack, breach, modify or otherwise access the source code or to breach any security feature of the Electronic Services may result in immediate termination and legal action.
Zag’s Electronic Services include images of and links to third-party sites. The linked sites are not under the control of Zag and Zag is not responsible for the content of any linked site. Zag is providing these links only for your convenience and the inclusion of a link does not imply endorsement of the linked site by Zag. Zag will not be responsible for any losses suffered in visiting these sites.
Zag Bank’s website will be governed by and construed in accordance with the applicable laws of Canada.
Zag’s Electronic Services are available 24 hours a day and 7 days a week. Any transaction between Zag Accounts will be posted on the same Business Day if the transaction is completed before the 12 midnight Eastern Time cut-off. Transactions completed after the cut-off will be reflected on the next Business Day. If you complete a transaction on a Non-Business Day, it will be posted to your Account on the next Business Day. Transactions between Zag and another bank or Financial Institutions should appear in your account within three (3) Business Days.
Zag offers alerts, free of charge, for some of our Electronic Services in the alerts section of Zag Online and Zag Mobile. In this section you can voluntarily subscribe to or unsubscribe from all general alerts. As a courtesy, Zag may also send system and security alerts to you by email, text message, through the Message section of Zag Online, or by posting on our corporate website ZagBank.ca.
Please check your Internet and/or Mobile services provider to see if they charge for incoming email, text messages, or push notifications. Zag is not responsible for fees levied by your service providers. Zag is also not responsible for any message transmission or delivery error made by your mobile or Internet service provider.
The terms and services of Zag’s Electronic Services extend to both its Zag Online and Zag Mobile application. However, the Zag Mobile application has the following additional terms that you must keep in mind:
You must be enrolled with Zag Electronic Services and have set up your Credentials in order to use Zag Mobile.
Our Mobile Banking application supports iOS and Android™ applications on smartphones and tablets.
Some Zag Mobile features may not be available on certain devices.
Zag Mobile is a streamlined version of our Zag Online site and does not include all of the Services, features, functionality, content or information found on Zag Online.
You are responsible for any fees charged by a service provider that you might incur by accessing Zag Online and Zag Mobile.
Zag’s Electronic Cheque Deposit Service (SnapCheque) is available through Zag Mobile.
SnapCheque allows you to make deposits to your Account(s) by taking a picture of the front and back of cheques (“Image”) with an Electronic Device and sending the Image and associated deposit information to us via Zag Mobile.
You can only deposit cheques via SnapCheque while you are physically located in Canada and via Canadian devices and networks.
You acknowledge that Zag will not be liable for any losses or liabilities that you may suffer as a result of your use of the SnapCheque service, including if the feature is not available for any reason or if Zag chooses to refuse a SnapCheque for any reason.
Types of Deposits
You may Image and deposit any of these original, paper items (“Cheques”) issued by a bank located in Canada and payable in Canadian currency:
You may not Image and deposit any of the following:
Cheques that are not made payable to you directly or that have been endorsed over to you.
Cheques which have been altered, or which you know or suspect, are fraudulent.
Cheques drawn on a financial institution located outside Canada.
Photocopies, PDFs or other printouts of Cheques.
Post-dated or stale-dated Cheques.
Cheques that have already been deposited through SnapCheque or to another Financial Institution.
Zag reserves the right to reject any Cheque transmitted via SnapCheque, at our discretion. You will be responsible for any fees, chargebacks, overdraft charges or other charges that may arise from the refusal of the Cheques.
You agree to retain Cheques deposited via SnapCheque for at least five (5) Business Days from the date of deposit in case we ask you to re-transmit an Image.
© 2018 Zag Bank. All rights reserved. Zag Bank is a member of the Canada Deposit Insurance Corporation (CDIC)