Online Banking Terms and Conditions Requirements

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Document on Subject : "Online Banking Terms and Conditions Requirements"— Transcript:

1 Online Banking Terms and Conditions
Online Banking Terms and Conditions Requirements Definitions OnlineBankingChanges and AccountAccessOther Accounts Access MobileBanking ReceivingInformationOnline ElectronicRecords ElectronicRecord Receiving ElectronicNoticesYourAddress TransactionsLimitations Services Unauthorized Right The use of CommunityAmerica Credit Union’s (“CACU”) @ccountLink Online Banking service and mobile banking service (collectively “Online Banking”) requires that you agree to the following Terms and Conditions (the "Agreement"). This Agreement sets forth the terms and conditions regarding the use of services that transfer fundthe terms and conditions of this entire Agreement. Please read this Agreement carefully and keep a copy for your records. Hardware and Software Requirements You must have Internet access You must have a device that meets the minimum hardware and software requirements as specified by your Internet browser service. You must have an Internet browser or device that supports 128-bit Secure Sockets Layer (SSL) encryption. Suggested browsers are the latest version of Internet Explorer http://www.microsoft.com/ie ) or Mozilla Firefox (http://www.mozilla.com/ You must have Adobe Reader ( To print or download electronic records of documents, you must have the ability to print or sufficient free space on your hard drive. When accessing Online Banking through a Web-enabled mobile device, you must ensure that your carrier’s mobile plan includes a data plan. Definitions Each reference in this Agreement to "Credit Union," "CommunityAmerica,", “CACrefers collectively to CommunityAmerica Credit Union and each reference to "Service Provider" refers to any third-party service provider that may participate in the provision of the Online Banking. The term “Electronic Records” includes account statements (eStatement), billing statements, notices, future communications or documents that we elect to publish on Online Banking electronically. "eStatement" is the Internet-based service by which we provide periodic electronic account statements to an enrolled account within Online Banking. “e-notice” is the Internet email notice that we send to an eStatement user, to the e-mail address provided in Online Banking by the user, notifying the user that their eStatement is available online and how they can access that eStatement. Each reference to "you" and "your" refers to each depositor, borrower, authorized signer, or authorized user of an Account (as defined below) who is now or hereafter enrolled in Online Banking. Each use of Online Banking constitutes confirmation by you of your agreement to, and understanding of, the terms of this Agreement. Additionally, this Agreement will be effective as of the date that we accept this Agreement by notice to you that your access to Online Banking has been activated, and updates to this Agreement will be accepted when you log in to Online Banking through any channel. This Agreement governs the use of Online Banking and is made and entered into by and between CACU and each person who signs a signature card for the Account, or is referenced on our records as an owner of the Account; or each party whose signature appears on a credit card or credit line application and/or on the credit card; or is referenced on our records as an owner of the Account ("Member") also referred to as ("you"). Each Member is jointly and severally liable for all transactions initiated through the Service, including ov

2 erdrafts, even if the member did not par
erdrafts, even if the member did not participate in the transaction. Online Banking Changes We may at our discretion introduce new features, changes, or elimination of features to enrollment, security and information display with or without prior notice, and we will notify you if we are legally required to do so. Information Verification and Protection We may not complete your enrollment in Online Banking if we cannot verify your identity and/or other necessary information. By submitting an enrollment, you certify that all of the information provided is true, accurate and complete and authorize us both now and in the future to verify and confirm such information. You agree to keep all such information current, and update your online profile in order to make sure that it remains true, accurate, and complete. CACU will use secure pages for collecting any personal and financial information necessary for enrollment, log in or conducting transactions or using services available in Online Banking. We will: Recurrently educate members on ways to protect themselves. Use multiple mediums to communicate and/or educate on any extensive changes to our website, Examples of multiple mediums are: direct mail, secured email, face to face and telephone. Extensive changes could be the redesign of website pages, relocation of information on web pages, online banking login or enrollment requirements, online banking enhancements, etc. Continue to monitor our website and the industries best practices and make the appropriate changes to support our commitment of protecting our members personal information. Security and Confidentiality All Online Banking transactions or inquiries must be initiated by use of your username, password, and may require response to security questions selected during enrollment. You will designate your username (login ID), and password. User name must be at least six (6) characters and not in use by another member. Passwords cannot contain spaces and must be at least six (6) characters in length. Security questions/answers will be established at the time you submit your enrollment for Online Banking. You may change your username (login ID), password or security questions/answers at any time and as often you like through Online Banking. We recommend that you do not use your name, account number or social security number as your username (login ID), or password. YOU AGREE TO KEEP YOUR USERNAME (LOGIN ID), PASSWORD, AND SECURITY QUESTIONS AND ANSWERS CONFIDENTIAL. USE OF THE USERNAME (LOGIN ID), PASSWORD OR SECURITY QUESTIONS AND ANSWERS BY YOU OR BY ANY OTHER PERSON WITH YOUR AUTHORIZATION WILL BE CONSIDERED THE SAME AS YOUR WRITTEN SIGNATURE AUTHORIZING US TO COMPLETE ANY TRANSACTION OR REQUEST COMMUNICATED THROUGH ONLINE BANKING. You acknowledge and agree that the username (login ID), and password is intended only to verify the authenticity of funds transfers, payment orders or other instructions or communications. The username and password is not intended to verify the accuracy of any such funds transfers, payment orders or other instructions or communications. You agree that any Online Banking transaction or request initiated by use of the username (login ID), password, and/or security questions/answers will be subject to and governed by this Agreement. You agree not to allow anyone to gain access to Online Banking or to let anyone know your username (login ID), password or security questions/answers used with the Online Banking. You further agree that w

3 e have no control as to the persons who
e have no control as to the persons who have access to your own personal computer or mobile device, and your username (login ID) and password. You agree that it is your responsibility to initiate and maintain the highest level of password security procedures to prevent any unauthorized access to your personal computer or mobile device or unauthorized use of your username (login ID), password, or security questions/answers. If you do authorize another person to use your username (login ID), password or security questions/answers (including, but not limited to, a family member or third party aggregation service), that person can use Online Banking to view any information or initiate any transaction on any of the Accounts to the same extent that you yourself could do so, including viewing information or initiating transactions on Accounts to which that person does not otherwise have access. Account Access and Other User/Business Accounts When you enroll in Online Banking, we will link all of your eligible CACU accoassociated with the membership account number. If you open an additional eligible account at a later date, we will link the new account to Online Banking, unless you otherwise instruct us not to do so. If you want to limit the accounts that are linked to Online Banking or the activity level assigned to a particular account(s), contact @ccountLink Support Services at 1-866-272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Standard Time. You may grant another Online Banking user access to your accounts. The other user may then access your accounts by logging in to Online Banking using his or her own username and password. The levels of access that may be granted are "View Only" (which allows the other user to see information regarding your accounts and transactions), "Credit Only" (which allows the other user to transfer money from his or her account into your accounts), "View and Credit" (which allows the other user to see information regarding your accounts and transactions and to transfer money from his or her account into your accounts) and "Full Access" (which allows the other user to see information regarding your accounts and transactions, to transfer money from his or her accounts to your accounts and to transfer money from your accounts to his or her accounts and other third parties). You agree to be bound by all transactions and instructions initiated by another user that are within the level of access you have granted. View and/or Credit access between personal and business accounts are limited to Business Sole Proprietorships; a one-person business that is not registered with the state as a corporation or a limited liability company (LLC), or Single Owner Limited Liability Companies; a limited liability company that has only one member. Other business entities require personal and business separate user login, password, security questions/answers, viewing and credit access. Notice of Unauthorized Access If you believe that someone has obtained access to your account without your permission, you should follow the procedures described under the “Unauthorized Transactions ” disclosure found later in this Agreement. We recommend that you lock your account by attempting to log in and providing an incorrect password three times in a row. Your account will then be inaccessible online and must be unlocked by @ccountLink Support Services. By accepting this Agreement, you represent that you have considered our security measur

4 es, and find that our security measures
es, and find that our security measures are commercially reasonable. Mobile Banking Online Banking may be accessed using a variety of Web-enabled devices, including those considered mobile. To access Online Banking through a mobile device, your device must contain current Web browser software, and you must be described to a data plan through your mobile carrier. CACU also provides mobile applications (Apps) for certain mobile devices. These Apps are available through your device-specific App store. These Apps allow you to interact with Online Banking and provides you with greater banking functionality. We cannot make any representation that we will support all devices that use Mobile Apps. We are not responsible for any attempt by you to access Online Banking through an unsupported mobile device. You must have enrolled in Online Banking to receive access to Online Banking through Web-enabled devices. Your User ID and Password will be the same as used to access Online Banking. For your security, we strongly recommend that you never save your Login information on your mobile device. We also recommend that you lock your mobile device if the lock feature is available. olled mobile device is lost or stolen. We may add to or enhance the features of Mobile Banking at any time. In the event that you use an added or enhanced service, the terms of this Agreement still apply, unless an update to this Agreement has been made. The availability, response time and functioning of Online Banking service depends on many factors out of CACU’s control, including, but not limited to, your mobile carrier’s geographic coverage, wireless network availability, signal strength and the hardware and software of the mobile device itself. CACU does not warrant that the Service will operate without interruption, be free from error or will meet your expectations. Service Hours and Business Days The Online Banking service is available 24 hours a day, seven days a week, except during system maintenance and upgrades. Our business days are Monday through Friday, excluding holidays; contact our @ccountLink Support Services at 1-866-272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Standard Time. Receiving Information Online As a part of the Online Banking enrollment process, you agree to receive this Agreement and future updates to it, as well as statements, disclosures, notices, and any future communications or documents that we elect to publish on Online Banking electronically, and to stop receiving paper copies. Notification of updates or additions will be sent to the email address you have provided as your primary email address for Online Banking; you are responsible for informing us of any changes to your contact Upon request, you can receive paper statements, disclosures, notices and other documents as added. Paper copy requests can be made by calling @ccountLink Support Services at 1-866-272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Standard Time. Requesting copies Fee Schedule You understand that disclosures and notices may be delayed, archived or prevented by a variety of factors. We do our best to provide alerts in a timely manner and with accurate information. You also agree that we shall not be liable for any delays, failure to deliver, incorrect email address, or misdirected delivery of any notice/disclosure; for any errors in the content of any notice/disclosure or for the actions taken or not taken by you

5 in reliance of a notice/disclosure. Ele
in reliance of a notice/disclosure. Electronic Records All of your Online Banking transas (eStatements). Monthly accounts statements will be made available for your checking account(s). Monthly account statements will also be made available for your share savings account(s) if there were any transfers in a particular month, or will be made available quarterly in any event. As part of the Online Banking enrollment process you agreed to receive your periodic account(s) statements (eStatements), billing statements, notices, disclosures, payments alerts, and any future communications or documents that we elect to publish to Online Banking electronically and to stop receiving paper statements; however, you are not required to receive electronic records and can request paper; see Receiving Paper Documents. We offer the benefits and convenience of the eStatement Service to you free of charge. You may print a copy of your eStatement by viewing it online and clicking the print button. You may request a paper copy of an eStatement by clicking the Online Services tab and then the Request button within Online Banking and filling out the Statement Request form, your account may be charged a fee; see Fee Schedule To view your eStatement go to our website: and https://www.cacu.com select @ccountLink Login on the right side of the home page/center of page which takes you to our Secure Login page; enter Username and Password; select Enter or the 'Go' button on page. Select the eStatements tab; this page will provide access to all of the eStatements and disclosures that are available online. Electronic Record Review You must exercise reasonable promptness when examining your eStatements. If any transfers that you did not make are discovered or reasonably should have been discovered, including those made by card, code or other means, you must promptly notify us of the relevant facts. If you fail to do so, you may have to share the loss relating to the unauthorized transfers with us. You agree that the time you have to examine your eStatement and report to us will depend on the circumstances. However, if you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. If your eStatement shows any errors, alterations or other irregularities, notify us immediately at @ccountLink Support Services at 1-866-272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Standard Time or writing us at: CommunityAmerica Credit Union Attention: @ccountLink Support Services Lenexa, Kansas 66219 How to use @ccountLink Online Banking eStatements as that term is defined in the definitions section, shortly after the end of each statement period (not all accounts generate monthly statements) letting you know that your statement is ready for viewing. If you do not receive an e-notice within 5 business days after the end of your statement cycle, please log in to Online Banking to verify that your e-mail address is correct and/or call @ccountLink Support Services. To reduce the possibility and concern surrounding "Phishing" scams we will not include links to our website in these e-notices. Instead, you will use your customary method of accessing @ccountLink Online Banking. Also, remember that we

6 will never ask you to provide, nor conf
will never ask you to provide, nor confirm, any personal information via email. If you ever receive any suspicious communication claiming to be from us, or on our behalf, please do not respond directly. Contact one of our Credit Union representatives in person, via telephone or by using the Secure Mail option within Online Banking. Who Can View Your Online Banking eStatements At any point after accepting eStatements and receiving notification that your first eStatement is ready, g session and view your eStatements. If you have granted any other user access to your login directly, or granted them access to view your account through their own login, your statement will be available for them to view. Your member statements will only be available if they log in directly to your accounts (using your login information). Depending on the level of access you have given the other user, that person may be able to see detailed information regarding your accounts and transactions even if he or she accesses your accounts through their own login. Receiving Paper Documents You may obtain a paper copy of select documents that are provided in an electronic record and/or withdraw your consent for the use of electronic records. Your name and address will be needed; Note: Prior electronic eStatements will continue to be stored for a period of 15 months and future statements will be mailed and electronically published. You may notify us by one of the following methods: ) By initiating a customer inquiry through @ccountLink Online Banking, using the Secure Mail tab ) By calling @ccountLink Support Services at 1-866-272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Standard Time ) By visiting a branch or writing a letter and either sending it to the following address or giving it to one of our representatives at any of our locations: CommunityAmerica Credit Union Attention: @ccountLink Support Services 9777 Ridge Drive Lenexa, Kansas 66219-5950 Electronic Notices and Your Email Address We will send an electronic notice (e-notice) to the Internet email address you have provided on Online Banking periodically letting you know that your eStatement, billings or notices are available. The e-notice will generally be sent within five (5) business days after the end of your statement cycle and will be sent to the current email address provided in your Online Banking profile. You agree to notify us promptly of any change of your email address by going to our website: https://www.cacu.com. Select @ccountLink Login on right side of the home page/center of page which takes you to our Secure Login page; enter Username and Password; select Enter or the 'Go' button on page. Select the Preference tab, then Profile Changes and update your email address in the field provided. You agree that you are responsible for providing us with your current email address. If we become aware that you are not receiving your e-notices, we may attempt to contact you to acquire a current email address or send a notice to you by regular mail; however, we have no liability for our failure to do so except as otherwise provided for in any applicable Federal statute or regulation. Online Banking Transactions and Limitations Account Access You may use Online Banking to (1) transfer funds between deposit accounts, (2) transfer funds from deposit to loan accounts, (3) transfer funds from line of credit loan to deposit accounts, and (4) obtain the following information: balance of share accou

7 nts, (saving and checking), deposit hist
nts, (saving and checking), deposit history, withdrawal history, rates, and loan balance. Additional transaction capability or elimination may be introduced at our discretion, and may not be available through all access devices. We will notify you if legally required; you agree to be bound by terms for new features. CACU maintains no responsibility for any indirect, special, incidental, exemplary, consequential damages or punitive damages. Transfers Transfers may be between your own accounts or between your accounts and accounts of others to which you have been granted access. "Immediate Transfers" are processed immediately. "Recurring" and "future dated" transfers will process two times daily, at 11 am and 11 pm, Central Time, on the date you have scheduled. Recurring and future dated transfers may be modified or deleted up until those times. Transfer Confirmations Each time an immediate transfer through Online Banking is completed, a confirmation message will be displayed on your computer screen. Similarly, each time a recurring or future dated transfer is scheduled, a confirmation message is displayed. However, no additional confirmation message is given when a recurring or future dated transfer is actually processed. We suggest that you print or download a copy of each confirmation message for your records. Transfer/Payment Authorization and Sufficient Available Funds You authorize CACU to withdraw, transfer, debit or charge the necessary funds from your designated account in order to complete all elected transfers and payments and agree to any fees that may be associated and disclosed; see Fee Schedule Limitations of Frequency of Transfers Federal regulation limits transfers for non-transactional share/savings accounts and money market accounts. During any statement period, you may not make more than six withdrawals or transfers to another CACU account of yours or to a third party by means of a pre-authorized or automatic transfer. This includes transfers by phone, fax, audio response, overdraft transfers to checking and Internet instruction. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH). If you exceed the transfer limitations set forth above in any statement period. the transfer may not be completed. Your regular share account and draft account may be subject to a fee, account closure, or suspension or we may revoke your access to Online Banking. We will not be required to complete a withdrawal or transfer from your account(s) if you do not have enough money in the designated account(s) to cover the transaction; however, we may choose to complete the transaction. overdraw your account and charge a non-sufficient funds fee. You agree not to use Online Banking to initiate a transaction that would cause the balance in your designated account(s) to go below zero. If you have, you agree not to use Online Banking to initiate a transaction that would cause the outstanding balance ofcredit limit. We will not be required to complete such a transaction, but if we do, you agree to pay us the excess amount or improperly withdrawn amount or transferred amount immediately upon our request. We also will refuse to complete your Online Banking transactions if we have canceled your Online Banking access, or we cannot complete the transaction for security reasons. Limitations on Dollar Amount of Transfers Transfers may be subject to temporary reducti

8 ons to protect the security of the Onlin
ons to protect the security of the Online Banking system. At our discretion, we may refuse to process any transaction that exceeds a specific limit. In this case you are responsible for making alternate arrangements or rescheduling the payment or transfer within Online Banking. Failure to Make Transfers and Liability If we do not complete an Online Banking transfer to or from your account on time or for the correct amount stipulated in our agreement with you, we will be liable for your losses or damages. CACU will NOT be liable under the following circumstances: (a) if, through no fault of ours, you do not have sufficient available funds in your account to make the transfer; (b) if the transfer would go over the credit limit of your overdraft line; (c) if the Online Banking system, your computer or internet service was not working properly and you knew about the breakdown when you started the transfer; (d) if you are using a third party system to conduct the transaction and/or cannot present confirmation; (e) if applicable cutoff times has been missed; (f) if transfers have been repeated in error; (g) if circumstances beyond our control (such as fire or flood or other acts of nature) prevent the transfer, despite reasonable precautions we have taken; (h) if your account is subject to legal process or other claim; (i) if you use a login ID or password that has been locked or that has been reported lost or stolen; (j) if we believe that something is wrong, for example, that your login ID or password have been stolen; (k) as otherwise provided in regulations of the Board of Governors of the Federal Reserve System; (l) there may be other exceptions stated in our agreement with you. Online Banking Services Fees There is no monthly fee for the use of Online Banking. However, the transactions that you initiate through Online Banking or Online Bill Pay service are subject to our normal fees and charges. You are responsible for any loss or penalty that may occur due to lack of sufficient funds or other conditions that may prevent the scheduled withdrawal of funds from your account or a payment. If enough funds to complete the transfer or payment are not available, we may either (a) complete the transaction and overdraw the account or (b) refuse to complete the transaction. In either case, we may charge a fee; refer to applicable account agreement and Fee Schedule for details. If there are additional fees associated with a select transaction type or program, the fee will be disclosed at the titransaction or enrollment. Dependent on how you access Online, you may incur fees for the following: Normal account fees, service charges, research fees, etc. Any internet service provider fees and device charges and fees Purchase of computer programs such as Personal Financial Management software Payments or transfers made through Online Banking from a savings or money market account may result in an excess transaction fee or denial; see your savings or money market account for details. Additionally, fees may be assessed for added self-service feature available through Online Banking customer service, such as stop payment requests, check copy orders and account statement copy orders. Review Important Account Information brochure for accounts subject to these fees. An NSF or paid NSF fee, returned item, overdraft or similar fee may also apply if you schedule payments or transfers and your available balance is not sufficient to process the transaction on the date scheduled or, in the case of a pers

9 onal check, on the date the check is pre
onal check, on the date the check is presented to us for payment. Unauthorized Transactions Notify CACU immediately if you suspect that someone has fraudulently enrolled your account(s) in Online Banking, obtained your Online Banking password, accessed your account information, attempted to make changes to your account(s), to your account information or has made transactions against your account(s). You agree to tell us AT ONCE if you believe your login ID or password have been lost or stolen, or if the Internet-enabled device you are using to access Online Banking has been lost or stolen. Calling CACU is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days, you will lose no more than $50 if someone used your login ID or password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your login ID or password, and we can prove it could have stopped someone from using your login ID or password without your permission if you had told us, you could lose up to $500. Additionally, if your statement shows transactions that you did not initiate, notify us at once. Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extent the time periods. Contact in event of unauthorized transfer. If you believe your login ID or password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, @ccountLink Support Services at (866) 272-2228, Monday through Friday, excluding holidays, between 7am and 6pm, Central Time or write: CommunityAmerica Credit Union Attention: @ccountLink Support Services 9777 Ridge Drive Lenexa, Kansas 66219 Or use the Secure Mail option within Online Banking, or by sending an email to contactus@cacu.com. Taking immediate action is the best way to minimize your losses due to fraudulent activity. Right to Stop Payment Preauthorized payments and your right to stop payment: If you have told us in advance to make regular payments through the Bill Payment Service from your designated account, you may stop these payments by contacting us in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. If these regular payments may vary in amount, we will tell you, 10 days before each payment, when it will be made and how much it will be. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. For payments other than preauthorized transfers, you may not stop an immediate transfer initiated through the @ccountLink Online Banking service once the confirmation message for that transfer has been displayed. To cancel or amend a recurring or future transfer, click on the "Transfers" tab in @ccountLink Online Banking, click on the relevant transfer, then edit or delete as appropriate. Last Revised: 07