Online Banking Application

Size: px
Start display at page:

Download "Online Banking Application"

Transcription

1 Online Banking Application In this Agreement the words you and your mean each person who signs this Application. The words we, us and our mean ALABAMA TEACHERS CREDIT UNION. The word PIN means your Personal Identification Number used on our (MIC) line. The word Password is the word chosen by the member for account verification. The word Account means those accounts with us whom you may access by use of your PIN or PASSWORD and the Online Banking System. The On-Line Banking System is a system that may be accessed by an on-line computer through which, when used in conjunction with a PIN or PASSWORD, an electronic fund transfers or electronic inquiry may be initiated. Joint Account Holders must have authorization from the Primary Account Holder to access online banking. Account Number: Address: Primary Account Holder Name PRINTED Primary Account Holder Signature Business Name ATCU Representative Signature FOR CU USE ONLY: I-Power Keyed: VT Admin (Multipoint) Keyed: Notes: By: By: Member Request Referral Referred to: Recommendation Recommended by: Revised DS

2 ATCU PC Branch Instructions and Guidelines To enroll in our Online Banking program: 1. Visit 2. You ll be directed to our Home Page. On that page you ll see a box at the top, left-hand corner labeled Online Banking and Bill Pay Login. 3. In the USERNAME box, enter your BASE account number (five digits or less). 4. In the PASSWORD box, enter the word PASSWORD (in all caps). This lets the system know this is your first time logging in. 5. Click on the LOGIN button. 6. You will be redirected to ATCU s Online Banking Service Agreement and Disclosure. Read over the terms. If you agree to them, click on the ACCEPT button. 7. On the following screen you will need to customize your password. Your new password should be 6-8 characters long and should include three of the following characteristics: a. Upper case letter(s) b. Lower case letter(s) c. Number(s) d. Special Character(s) such as!, #, $, %, etc. An example of what your new password could be is: Name10! (Please do not use this as your password this is just an example.) Your new created password will be what you use each time you log in your Online Banking account. Registering for e-statements You can check your account balances and history on your Online Banking page anytime you like. When you sign up for e- Statements by providing a valid address, you can be notified by when your statement is available and ready to view online. Here s how: Visit and login to your Online Banking account by entering your base account number and password in the fields in the upper, left-hand corner of the home page. Once you have logged into your Online Banking page, go to the SERVICES tab at the top of the screen. Click on REGISTER OR UNREGISTER FOR E-STATEMENTS. Enter the address where you would like your e-statements sent. Choose the account for which you would like e-statement reports. Click on CONTINUE. Alabama Teachers Credit Union Online Banking Internet Banking Service Agreement and Disclosure This Agreement is the contract that covers your and our rights and responsibilities concerning Online Banking Internet Banking Services offered to you. The words "you" and "yours" mean those who complete the Online Banking application on line. The words "we", "us", and "our" mean Alabama Teachers Credit Union located at 702 Walnut St, Gadsden, AL 35901, phone number (256) or toll free at By completing the Online Banking registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the Online Banking electronic funds transfer service. Electronic funds transfers (EFT) are electronically initiated transactions involving your deposit and loan accounts at the Credit Union through your personal computer. Online Banking Requirements You must be a member in good standing and agree to the terms and conditions of Alabama Teachers Credit Union's Online Banking Agreement and Disclosure. To use Online Banking, you need a computer with a modem, Internet access and a web browser that supports 128-bit encryption (such as Microsoft Internet Explorer 5.5 or above; or Netscape Navigator 4.0 or above). Online Banking is best viewed with Microsoft Internet Explorer 5.5 or above or Netscape 4.61 or above. If your computer is a Mac and you are having problems accessing your account using Netscape Navigator, it is suggested that you download Internet Explorer's latest version and attempt access. ATCU is committed to providing the most secure Internet service. When you interact with ATCU on this secure site, all the information is encrypted or encoded. Encryption is a procedure for turning plain text or other information into an unrecognizable pattern of data. 128-bit encryption is the strongest form of Web browser encryption commonly available for use on the Internet, and you must use a browser that supports 128-bit encryption to access your accounts. You are responsible for the set-up and maintenance of your computer and modem. We are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the use of the Internet Banking Services. Online Banking Self Registration

3 If you currently have a 4-digit PIN setup on our Member Information Connection (MIC) phone number ( ), you may register online by going to our website Click on our ATCU Online Banking login located directly on our website home page and follow the instructions. If you do not meet the requirements, or do not have a 4-digit PIN, your online access will be denied. You may contact a member services representative locally at or toll free at for further assistance. Online Banking Access Upon approval, you may use your personal computer to access your accounts. You must use your Online Banking user name and password to access your accounts. Availability of Online Banking Internet Service Online Banking services are generally available 24 hours a day, 7 days a week, 365 days a year except for those times that the system is unavailable due to back-up procedures or maintenance. We are not liable under this Agreement for failure to provide access due to a system failure or due to other unforeseen acts. We may modify, suspend, or terminate access to the Online Banking Internet Banking Services at any time and for any reason without notice. Online Banking Services You can use Online Banking to access all accounts that are linked to your social security number. At your request, you may remove access to any account or sub-account that has your social security number. At the present time, you may use the following Online Banking services: Account Information - You may review balances and transaction history on all accounts and sub-accounts existing under your user name. Your account balances are online and include all transactions that have been posted to your account up to that point in time. However, the availability of funds for transfer or withdrawal may be limited due to our Funds Availability Policy. The transaction history information may be limited to recent account information involving your accounts. Transfers - You may make transfers to your accounts or other accounts that you are authorized on as often as you like except for those accounts with transfer limitations as disclosed when you opened the account and any amendments to that disclosure. Transfers and bill payments from your savings and club accounts will be limited to a total of six (6) (Federal Regulation D) in any one calendar month. You may transfer or withdraw up to the available balance in your account at the time of the transfer, except as limited under this Agreement or your deposit. We reserve the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Transactions involving your accounts will be subject to the terms of your Membership and Account Agreement; and transactions involving a line of credit account or Home Equity Loan will be subject to your Credit Agreement and Disclosures as applicable. Request a Check - You may request a check withdrawal from any savings, checking or club account (excluding IRA and Share Certificate accounts). A check will be issued payable to the member and all joint owners and mailed to the address on record at the Credit Union. Reorder Checks - You may reorder additional checks in the same format as your last order from us. - You may send communications directly to the Credit Union. However, the Credit Union may not immediately receive communications that you send and the Credit Union will not take action based on requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction, you may call the Credit Union locally at or toll free at Change Password - You may select a new password for your account access at any time. Quicken or Microsoft Money - You may download your account information to financial management software programs, if applicable. E-statements/Electronic Transmissions- You may register to receive E-statements/Electronic Transmissions online instead of receiving paper statements/notifications. View Pending Debit Card/ACH Transactions- You may view pending transactions that may be holding on your account. Check Copies- You may view and print check copies of your cleared checks. Bill Pay- You may sign up to use Bill Pay services that allow you to submit single or recurring payments, set payment reminders, view & print copies of cleared bill pay checks. Authorized Use Your user name and password will be your Online Banking home signature and you can use it to access all accounts that are linked to your social security number. Members that are joint owners on other accounts will also have access to those accounts. At your request, you may remove access to any account or sub-account that has your social security number. Security of User Name and Password You are responsible for safekeeping of your user name and password. You agree not to disclose or otherwise make your user name and password available to anyone not authorized to sign on your accounts. If you fail to maintain the security of your user name and password and Alabama Teachers' Credit Union suffers a loss, we may terminate your Online Banking account services immediately. Revealing your user name and password will grant access to those accounts by unauthorized individuals. To ensure the security of your Online Banking account, we will return you to the Log On screen if no activity has occurred within ten (10) minutes. Member Liability You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use your user name and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your user name and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Online Banking transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or user name and password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). Also, if your statement shows Online Banking transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was either mailed to you or sent by electronic delivery, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized transactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will consider the time period. If you believe that someone has used your user name and password or has transferred or may transfer money from your account without your permission, call us locally at or toll free at

4 Immediately change your password if you think it has been compromised. Business Days Our business days are Monday through Friday, excluding holidays. Fees and Charges Currently there are no fees to use Online Banking. All standard fees (NSF, Stop Payment, etc.) set forth in our fees and charges schedule apply. ATCU reserves the right to charge for Online Banking account access or transactions in the future. You will be given at least 30 days advance notice before ATCU implements any changes to fees or adds any new fees for Online Banking service. Right to Receive Statements All of your Online Banking transactions will appear on your regular account statement. The Credit Union will not provide separate documentation of this activity. You may print the confirmation of each transaction from your computer screen for your records. Account Information Disclosure We will disclose information to third parties about your account or the transfers you make: where it is necessary for completing transfers; or in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or in order to comply with government agency or court orders; or if you give us written permission Credit Union Liability for Failure to Make Transfers If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance: If through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit, if applicable. If you used the wrong password or you have not properly followed any applicable computer or Credit Union user instructions for making transfer and bill payment transactions. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. If circumstances beyond our control (such as fire, flood, telecommunication outages, strikes, equipment or power failure) prevent making the transaction. If the funds in your account are subject to an administrative hold, legal process or other claim. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or in the event we receive conflicting information. If the error was caused by a system beyond the Credit Union's control such as a telecommunications system or Internet Service Provider. If there are other exceptions as established by the Credit Union. Termination of Electronic Fund Transfer Services You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your Online Banking services or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination. Online Banking services may be terminated to those members that cause a loss to the Credit Union. Notices The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will either mail or (depending on if you have signed up to accept Electronic Transmissions) notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. Governing Law This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Alabama where you opened your account and the By-laws of the Credit Union as they now exist or may thereafter be amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us. Enforcement You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. Error Resolution In case of errors or questions regarding your Online Banking transactions, call us locally at or toll free at or write to us at Alabama Teachers' Credit Union, P.O. Box 1400, Gadsden, AL as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United

5 States). If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. If it is determined there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. Electronic Fund Transfers Disclosure Statement YOUR ACCESS DEVICE AND ELECTRONIC FUND TRANSFERS: YOU CANNOT TRANSFER MONEY INTO OR OUT OF YOUR ACCOUNT UNTIL WE HAVE VALIDATED YOUR USE OF OUR ELECTRONIC FUND TRANSFER SYSTEM. Any disclosures concerning electronic fund transfers, including rights and liabilities under the Electronic Fund Transfers Disclosure Statement, apply only to consumer accounts used primarily for personal, family, or household purposes. YOU CANNOT USE THE ALABAMA TEACHERS CREDIT UNION PERSONAL BRANCH SYSTEM UNTIL YOU HAVE OBTAINED YOUR PERSONAL IDENTIFICATION NUMBER (PIN). You may obtain your PIN following the steps listed in the system. When the personal identification number is obtained, the system will then be validated and may be used through any Online Computer. Your ALABAMA TEACHERS CREDIT UNION CHECK CARD(S) may be used at any PULSE Networks location and at merchants and other businesses honoring the Visa Debit Card when used with your PIN provided the accounts have been authorized for use. ACCOUNT ACCESS: The following types of transactions may be made with your accounts: Preauthorized Deposits made directly from other persons into your Share account Preauthorized Deposits made directly from other persons into your Share account Preauthorized transfers made directly to other persons from your Share account Preauthorized transfers made directly to other persons from your Share account Your Service Card may be used at any ATM location providing access to the PULSE and CIRRUS Networks. Additional networks may be added at some later date. You will be notified of any additions by us. When used with your PIN, the Service Card will allow you to initiate any of the following transactions, provided the accounts have been authorized for use. You may make: Cash Withdrawals from Shares Cash Withdrawals from Share Transfers from Share to Share Transfers from Share to Share Your PIN may be used with any TouchTone telephone to access the Member Information Connection, which will allow you to initiate any of the following transactions provided the accounts have been authorized for use. You may make: Transfers from Share to Share Transfers from Share to Loan Transfers from Share to Advances from Loan to Share Transfers from Share to Share Loan Advances from Loan to Share Your PIN may be used with an On-Line Computer to allow you to initiate any of the following transactions, provided the accounts have been authorized for use. You may make: Cash Withdrawal from Shares Cash Withdrawal from Share Listing of 10 Previous Transactions Bill Payments to Third Parties Transfer from Share to Share Transfer from Share to Share Cash Advance under an existing open-end loan: Balance Inquiries for Share and Share Accounts Transfer from Share to Loan Transfer from Share to Loan Using the Check Card for ATM card purposes you may make: Cash Withdrawal from Shares Transfers from Share to Share Cash Withdrawal from Share Transfers from Share to Shares Balance Inquiry for Share and Share Using the Check Card for debit card purposes you may make cash withdrawals from your Share Account. Electronic Check Conversion: You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases and to pay a bill. LIMITATION ON FREQUENCY OF TRANSFERS: For security reasons, there are limits on the number of transfers you can make using our systems. Contact accounting department for details. LIMITATIONS ON DOLLAR AMOUNTS OF TRANSFERS: For security reasons, there are limitations on the dollar amount of transfers you can make using our systems. Contact accounting department for details. There is a daily debit card transaction limit of $ BUSINESS DAYS: Our business days are Monday through Friday. Holidays are not included. Of course, the systems are open at times other than the business days of our credit union. SUMMARY OF YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS: Tell us AT ONCE if you believe your card(s) or personal identification number (PIN) has (have) been lost or stolen. Telephoning is the best way of keeping possible losses down. For Check Card transactions other than Visa Commercial cards, Visa or Plus* ATM or any ATM transactions your liability is $0 (zero). For other transactions if you do not tell us within two (2) business days after you learn of the loss or theft of your Card(s) or PIN, your liability is $50. In such cases, if you do not tell us within two (2) business days after you learn of the loss or theft of your Card(s) or PIN, and we can prove we could have stopped someone from using your Card(s) or personal identification number (PIN) without your permission if you had told us, you could lose as much as $ For other

6 transactions, you could lose all the money in your account(s) (plus your maximum overdraft line of credit and open-end credit). If you tell us within 2 business days, you can lose no more than $50.00 if someone used your Card(s) and PIN without your permission. If you believe your Card(s) or PIN has (have) been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more, than $50.00 if someone used your Card(s) and personal identification number (PIN) without your permission. If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your card(s) or PIN, and we can prove we could have stopped someone from using your card(s) or personal identification number (PIN) without your permission if you had told us, you could lose as much as $ These limits of liability may be exceeded, to the extent allowed under applicable law, if the Card issuer determines that a cardholder has handled the account in a fraudulent or grossly negligent manner. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed 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 hospital stay) kept you from telling us, we will extend the time periods. The 60-day dispute timeframe applies to consumer accountholders only. If you believe your card and/or PIN has (have) been lost or stolen, call (256) or write us at ALABAMA TEACHERS CREDIT UNION, Post Office Box 1400, Gadsden, AL You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission. SERVICE CHARGES: A list of the fees and charges which are applicable to your electronic fund transfers is disclosed on the accompanying Fee Schedule. In addition, each account affected by the transaction use will be subject to the regular service charge imposed for that specified account as set forth in the Fee Schedule. SUMMARY OF YOUR RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS: You can get a receipt at the time you make any transfer to or from your account using one of the ATM terminals. If you have arranged to have direct deposits made to your account at least once every sixty days from the same person or company, you can call us at (256) to find out whether or not the deposit has been made. You will get a monthly account statement (unless there are no transfers in a particular month). In any case, you will get a statement at least quarterly. SUMMARY OF YOUR CREDIT UNION S LIABILITY FOR FAILURE TO MAKE TRANSFERS: If we do not complete a transfer to or from your account on time or incorrect amount according to our agreement with you, we will be liable for your losses for damages as required by Federal law. However, there are some exceptions. We will not be liable, for instance: If through no fault of ours, you do not have enough money in your account to make the transfer; If the transfer would go over the credit limit on a loan; If the ATM terminal where you are making the transfer does not have enough cash; If the ATM terminal or system was not working properly, and you knew about the breakdown when you started the transfer; If the circumstances beyond our control (such as fire or flood) prevent the transfer, despite reason able precautions that we have taken; If the system was not working properly, and you knew about the breakdown when you started the transfer; If the funds in your account are subject to a court order or other restriction preventing the transfer; and There may be other exceptions stated in our agreement with you. CIRCUMSTANCES UNDER WHICH WE WILL DISCLOSE ACCOUNT INFORMATION TO THIRD PARTIES: The Credit Union will disclose information to third parties about your account or transfers you made: When it is necessary to complete the transfers; In order to verify the existence and conditions of your account for a third parry such as a credit bureau or merchant; In order to comply with a government agency or court orders; or If you give us written permission SUMMARY OF OUR ERROR RESOLUTION PROCEDURE IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: In Case Of Errors Or Questions About Your Electronic Transfers, telephone us at (256) or write us at ALABAMA TEACHERS CREDIT UNION, Post Office Box 1400, Gadsden, Alabama as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. * Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. * Tell us the dollar amount of the suspected error. * If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days* after we hear from you and will correct any error promptly. If we need more time, we may take up to 45** days to investigate your complaint or question, if we decide to do this, we will credit your account within 10* business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within 10 business days. If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we may credit your account. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days. ** If you give notice of an error within 30 days after you make (1) the first deposit to your account, or (2) a point of sale transaction, or (3) a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to invest

Deposit funds to your Checking and Share accounts (At deposit taking ATM locations).

Deposit funds to your Checking and Share accounts (At deposit taking ATM locations). VERITY CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURES This Agreement is the contract that covers your and our rights and responsibilities concerning electronic fund transfer (EFT) services

More information

ONLINE BANKING AGREEMENT AND DISCLOSURE

ONLINE BANKING AGREEMENT AND DISCLOSURE ONLINE BANKING AGREEMENT AND DISCLOSURE This Online Banking Agreement and Disclosure ("Agreement") is the contract which covers your and our rights and responsibilities concerning Palisades Federal Credit

More information

Directions Credit Union CUOnline (Online Banking), edocuments and Bill Pay Services Agreement and Disclosures

Directions Credit Union CUOnline (Online Banking), edocuments and Bill Pay Services Agreement and Disclosures 1. Introduction. This Agreement is the contract, which covers your and our rights and responsibilities concerning online banking services offered to you by Directions Credit Union ("Credit Union"). In

More information

FFCU e-branch SERVICES AGREEMENT & DISCLOSURES

FFCU e-branch SERVICES AGREEMENT & DISCLOSURES FFCU e-branch SERVICES AGREEMENT & DISCLOSURES 1. Introduction. This Agreement is the contract that covers your and our rights and responsibilities concerning FFCU e-branch services offered to you by Family

More information

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT

WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT WASHINGTON STATE EMPLOYEES CREDIT UNION ONLINE BANKING AGREEMENT This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking services ("Online Banking")

More information

Regulation E Electronic Funds Transfer Agreement & Disclosure

Regulation E Electronic Funds Transfer Agreement & Disclosure Regulation E Electronic Funds Transfer Agreement & Disclosure This Agreement and Disclosure is made in compliance with federal law regulating electronic funds transfer (EFT) services. Electronic Funds

More information

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE

Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE Burke and Herbert Bank 100 S. Fairfax Street Alexandria, VA 22314 (703) 684-1655 www.burkeandherbertbank.com ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and

More information

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES

CONSOLIDATED COMMUNITY CREDIT UNION ONLINE BILL PAY BILL PAYMENT AGREEMENT & DISCLOSURES YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS BEFORE YOU USE ONLINE BILL PAY. YOU MAY NOT ACCESS OR USE ONLINE BILL PAY WITHOUT FIRST ACKNOWLEDGING YOUR ACCEPTANCE OF THESE TERMS. CONSOLIDATED

More information

APPLICABLE TO PERSONAL COMPUTER ELECTRONIC HOME BANKING EFFECTIVE JANUARY 1, 2002.

APPLICABLE TO PERSONAL COMPUTER ELECTRONIC HOME BANKING EFFECTIVE JANUARY 1, 2002. DC TEACHERS FEDERAL CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT APPLICABLE TO PERSONAL COMPUTER ELECTRONIC HOME BANKING EFFECTIVE JANUARY 1, 2002. ELECTRONIC SIGNATURE BY CLICKING "SIGN ON"

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures P.O. Box 1010 Moline, IL 61266-1010 (309)793-6200 www.ihmvcu.org The following disclosures set forth your and our rights and responsibilities concerning electronic

More information

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS

BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS BILL PAYMENT SERVICES AGREEMENT TERMS AND CONDITIONS This Agreement is the contract which covers your and our rights and responsibilities concerning Bill Payment Services ( Bill Pay ) offered to you by

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 214 Oil Well Road Jackson, TN 38305 PH: 731-664-1784 TF: 1-800-227-1893 www.leaderscu.com The following disclosures set forth your and our rights and responsibilities

More information

AmboyNET AGREEMENT AND DISCLOSURE

AmboyNET AGREEMENT AND DISCLOSURE AmboyNET AGREEMENT AND DISCLOSURE This AmboyNET Agreement and Disclosure ("Agreement") is the contract which covers your and our rights and responsibilities concerning the AmboyNET services offered to

More information

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE

HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE HERITAGE TRUST FEDERAL CREDIT UNION ONLINE SERVICES ON LINE BANKING AND BILL PAYMENT AGREEEMENT AND DISCLOSURE This Agreement is the contract which covers your and our rights and responsibilities concerning

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 476 Hinano St. Hilo, HI 96720 PH: 808-933-6700 FX: 808-935-7793 www.cuhawaii.com The following disclosures set forth your and our rights and responsibilities concerning

More information

ELECTRONIC FUNDS TRANSFER

ELECTRONIC FUNDS TRANSFER ELECTRONIC FUNDS TRANSFER Ledyard National Bank Main Street Hanover Office 38 S Main St Hanover, NH 03755 June 25, 2012 This disclosure contains information about terms, fees, and interest rates for some

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 2655 Holmgren Way Green Bay, WI 54304 PH: 920-499-4711 TF: 800-236-0747 www.schneiderccu.com The following disclosures set forth your and our rights and responsibilities

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures BRIDGEPORT SAGINAW CHESANING FREELAND AUBURN 800-772-8728 www.unitedfinancialcu.org The following disclosures set forth your and our rights and responsibilities concerning

More information

POWER FINANCIAL CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE

POWER FINANCIAL CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE POWER FINANCIAL CREDIT UNION ELECTRONIC FUNDS TRANSFERS AGREEMENT AND DISCLOSURE This Agreement is the contract which covers your and our rights and responsibilities concerning electronic fund transfer

More information

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE

*DD8108* ELECTRONIC FUND TRANSFER DISCLOSURE ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and "our" refer to Central National Bank. The terms "you" and "your" refer to the recipient of this disclosure.

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Casey State Bank Online Banking Agreement and Disclosure

Casey State Bank Online Banking Agreement and Disclosure Casey State Bank Online Banking Agreement and Disclosure Please carefully read this entire agreement and keep a copy for your records. By pressing the I ACCEPT button, you agree to the terms and conditions

More information

Electronic Fund Transfers Disclosure

Electronic Fund Transfers Disclosure Electronic Fund Transfers Disclosure The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply to your account. Some of these may not be available

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 2915 2nd Avenue Kearney, NE 68847 Ph 308-237-9993 Fx 308-338-9932 Toll Free 888-838-5328 www.kearneyfcu.com The following disclosures set forth your and our rights

More information

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement

Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement Mutual Savings Credit Union Internet Banking/ Electronic Statement (e-statement) Disclosure Agreement Internet Banking Mutual Savings Credit Union Internet Banking Agreement and Disclosure Agreement is

More information

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ATM Information / Electronic Services / VISA Check Card ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE By signing the Membership Application and/or Account Card or signing or using an Automated Teller Machine (ATM) Card, Visa Check Card (card), Mia24 Member

More information

Regulation E Disclosure

Regulation E Disclosure Regulation E Disclosure Electronic fund Transfers Your rights and Responsibilities The Electronic Fund Transfers we are capable of handling for consumers are indicated below, some of which may not apply

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 6640 Bay Road PO Box 3285 Saginaw, MI 48605 www.wildfirecu.org PH: 989-249-8200 FX: 989-497-1707 TF: 800-227-2328 The following disclosures set forth your and our

More information

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE

INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE INDEPENDENCE BANK P 0 BOX 988 OWENSBORO KY 42302 270-686-1776 ELECTRONIC FUND TRANSFER DISCLOSURE For purposes of this disclosure the terms "we", "us" and our refer to INDEPENDENCE BANK The terms "you"

More information

1. Acceptance and Agreement

1. Acceptance and Agreement KAUA'I GOVERNMENT EMPLOYEES FEDERAL CREDIT UNION Online Banking and Bill Payment Service Agreement and Disclosure Statement Before enrolling in Kaua'i Government Employees Federal Credit Union s Online

More information

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE WITH APPLICATION This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Online Bank Services Agreement and Disclosure Statement INTRODUCTION GENERAL AGREEMENT AND DISCLOSURE

Online Bank Services Agreement and Disclosure Statement INTRODUCTION GENERAL AGREEMENT AND DISCLOSURE Online Bank Services Agreement and Disclosure Statement INTRODUCTION Welcome to Sierra Vista Bank, and thank you for selecting this Internet banking product. In this publication, we give you important

More information

Electronic Funds Transfer Agreement and Disclosure

Electronic Funds Transfer Agreement and Disclosure Electronic Funds Transfer Agreement and Disclosure This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE

VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE VERITY CREDIT UNION VISA CHECK/ATM CARD AGREEMENT AND DISCLOSURE This Agreement is the contract which covers you and our rights and responsibilities concerning VISA Check and ATM Card services offered

More information

Bill Payer Services Agreement

Bill Payer Services Agreement WCLA Credit Union PO Box 207, Olympia, WA 98507-0207 360.352.5033 www.loggers.com/cu Bill Payer Services Agreement This Bill Payer Service Agreement ( Agreement ) is the contract, which covers your and

More information

ATM Card Application

ATM Card Application ATM Card Application Name Tax ID Date of Birth Address City, State, Zip Phone I wish to access the following accounts with my ATM Card. I understand that only the account I have designated as "primary"

More information

Electronic Funds Transfers

Electronic Funds Transfers Electronic Funds Transfers By signing the Account Card or using any Electronic Fund Transfer, you agree to the following terms governing your and our rights and responsibilities concerning the electronic

More information

Electronic Funds Transfer

Electronic Funds Transfer Electronic Funds Transfer Types of Transfers, Frequency and Dollar Limitations Prearranged Transfers Preauthorized Credits. You may make arrangements for certain direct deposits to be accepted into your

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ATM / MasterMoney / CHIPS Langley Link / Bill Pay / Electronic Services ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and

More information

Electronic Funds Transfer Disclosure Agreement

Electronic Funds Transfer Disclosure Agreement Electronic Funds Transfer Disclosure Agreement Your use of any EFT service offered by the Bank will be governed by this Disclosure and by any separate agreement or disclosure that also applies to the EFT

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Electronic Funds Transfer Agreement Disclosure

Electronic Funds Transfer Agreement Disclosure P.O. Box 129 Albuquerque, NM 87103 505.342.8888 1.888.342.8766 useaglefcu.org Electronic Funds Transfer Agreement Disclosure Funds Transfer Agreement is the contract which covers your and our rights and

More information

ATA Overdraft and the New York Credit Union License Requirements

ATA Overdraft and the New York Credit Union License Requirements 191 Ella Grasso Turnpike P.O. Box 273 (860) 627-4200 (860) 544-4728 Fax: (860) 627-4224 www.360fcu.org Electronic Fund Transfers Agreement and Disclosure This Electronic Fund Transfers Agreement is the

More information

How To Use A Credit Card At A Bank Account At A Credit Union

How To Use A Credit Card At A Bank Account At A Credit Union ELECTRONIC FUND TRANSFER DISCLOSURE CEFCU offers its members the opportunity to initiate and perform electronic fund transfer transactions. This Electronic Fund Transfer Disclosure document describes the

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AND DISCLOSURE 135 Raritan Center Parkway Ph: 732.225.1505 Fax: 732.225.4572 www.pinnaclefcu.com ELECTRONIC FUNDS TRANSFER AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and

More information

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union.

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Online Banking Client Agreement and Disclosure Statement

Online Banking Client Agreement and Disclosure Statement Online Banking Client Agreement and Disclosure Statement Read this agreement carefully and print or download a copy for your files! In this agreement, "you," "your," and "yours" refer to each of you that

More information

Independent Bank 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Independent Bank 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE 230 W Main St Ionia, MI 48846 800.300.3193 www.independentbank.com ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to

More information

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Prairie State Bank & Trust ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Electronic Fund Transfers Prairie State Bank & Trust (referred to as Bank, we, our, or us ) is capable of handling

More information

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT ELECTRONIC BANKING SERVICES INFORMATION STATEMENT This Statement summarizes certain rights and responsibilities which you (our customer) and we (the Bank) have under the Electronic Fund Transfer Act. It

More information

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT

ELECTRONIC BANKING SERVICES INFORMATION STATEMENT ELECTRONIC BANKING SERVICES INFORMATION STATEMENT This Statement summarizes certain rights and responsibilities which you (our customer) and we (the Bank) have under the Electronic Fund Transfer Act. It

More information

2. lf yes, what is your primary social security number on the accounts you wish to provide access? I I

2. lf yes, what is your primary social security number on the accounts you wish to provide access? I I Electronic banking Services Application To get started with TeleWeb, simply print, complete, glgg and return the enrollment form today. You may either mail the completed and signed application to the address

More information

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE Ascentra Credit Union ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Visa Debit Card Agreement and Disclosures

Visa Debit Card Agreement and Disclosures www.starone.org Visa Debit Card Agreement and Disclosures 1. Definition of Parties 2. Agreement Acceptance 3. Sign Your Card 4. Account Access 5. Electronic Check Transactions 6. Illegal or Unlawful Transactions

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

FUNDS AVAILABILITY POLICY DISCLOSURE

FUNDS AVAILABILITY POLICY DISCLOSURE FUNDS AVAILABILITY POLICY DISCLOSURE YOUR ABILITY TO WITHDRAW FUNDS AT BLUE RIDGE BANK AND TRUST CO. Our policy is to make funds from your cash and check deposits available to you on the same business

More information

ATM/DEBIT CARD APPLICATION

ATM/DEBIT CARD APPLICATION ATM/DEBIT CARD APPLICATION Application and Member Information Account No. Member Name Street City/State/Zip Home Phone Work Phone Joint Owner Street City/State/Zip Joint Owner Information (If applicable)

More information

Electronic Funds Transfer Disclosures

Electronic Funds Transfer Disclosures Electronic Funds Transfer Disclosures 2303 South Center Road Burton, MI 48519 PH: 810-715-3542 TF: 800-882-6457 FX: 810-600-2590 www.elgacu.com The following disclosures set forth your and our rights and

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

electronic fund Transfers agreement and disclosure 1. eft services a. Visa Check Card (used as an atm Card).

electronic fund Transfers agreement and disclosure 1. eft services a. Visa Check Card (used as an atm Card). ELECTRONIC FUND TRANSFERs AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer

More information

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Pulaski Bank. www.pulaskibankstl.com. Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE www.pulaskibankstl.com Electronic Funds Transfer ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to. The terms "you"

More information

THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE THE LOCAL FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning

More information

Electronic Services Disclosure & Agreement (Regulation E)

Electronic Services Disclosure & Agreement (Regulation E) Electronic Services Disclosure & Agreement (Regulation E) LANDMARK CREDIT UNION 5445 S. Westridge Drive, P.O. Box 510870 New Berlin, WI 53151-00870 (262) 796-4500 In this Disclosure and Agreement, the

More information

TTCU THE CREDIT UNION

TTCU THE CREDIT UNION TTCU THE CREDIT UNION ONLINE BANKING AGREEMENT & DISCLOSURES 1. Introduction. This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking ("Online Banking")

More information

Arlington Bank eservices Agreement Personal Account

Arlington Bank eservices Agreement Personal Account Arlington Bank eservices Agreement Personal Account The Arlington Bank is pleased to offer internet banking, mobile banking, electronic statements, electronic alerts and telephone banking (herein referred

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

O1 ONLINE BANKING Agreement Option 1 Credit Union

O1 ONLINE BANKING Agreement Option 1 Credit Union O1 ONLINE BANKING Agreement Option 1 Credit Union By enrolling in Option 1 Credit Union s O1 ONLINE Banking service, you agree to the addition of the following to the Terms and Conditions for Personal

More information

CEFCU Business Debit Card and Financing Requirements

CEFCU Business Debit Card and Financing Requirements BUSINESS MEMBER AUTOMATED SERVICES TERMS & CONDITIONS DISCLOSURE CEFCU offers various methods for its Business Members to initiate and perform automated services transactions. This Business Member Automated

More information

VISA Check Card Agreement & Disclosure Statement

VISA Check Card Agreement & Disclosure Statement VISA Check Card Agreement & Disclosure Statement In this Agreement and Disclosure Statement ( Agreement ), the words you and your mean each and all those who agree to be bound by this Agreement; Card means

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Arvest Bank ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE The federal Electronic Fund Transfer Act and Regulation E require institutions to provide certain information to consumers regarding electronic

More information

Electronic Funds Transfer Agreement and Disclosures

Electronic Funds Transfer Agreement and Disclosures Electronic Funds Transfer Agreement and Disclosures ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES Agreement 1. Issuance of Card or Personal Identification Number. In this Agreement and Disclosures

More information

Industry State Bank INTERNET BANKING ENROLLMENT FORM

Industry State Bank INTERNET BANKING ENROLLMENT FORM Industry State Bank INTERNET BANKING ENROLLMENT FORM Attention: Fill out the form on your computer then print it. Sign the bottom of the form and then bring, mail, or fax the form to one of the locations

More information

PC Teller Consumer Agreement & Disclosures

PC Teller Consumer Agreement & Disclosures PC Teller Consumer Agreement & Disclosures I. Introduction II. Accessing Your CINCO Accounts through PC Teller A. Requirements B. Electronic Mail (email) C. Fees D. New Services E. Benefits of Using PC

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

GENISYS CREDIT UNION ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE FOR ONLINE BANKING

GENISYS CREDIT UNION ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE FOR ONLINE BANKING GENISYS CREDIT UNION ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE FOR ONLINE BANKING Effective: 9-30-2013 This Agreement is the contract, which covers your and our rights and responsibilities concerning

More information

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285

Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 Electronic Funds Transfer Disclosure Merchants Bank, National Association With our corporate office located at: 102 East Third St, Winona, MN 55987, 507-457-1100, toll-free 800-944-6285 All locations:

More information

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 (402) 331-8550 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Bank of Nebraska 7223 South 84th Street La Vista, NE 68128 ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to Bank of

More information

New Online Bill Pay. Save time when you pay your bills online.

New Online Bill Pay. Save time when you pay your bills online. The State Bank of Townsend New Online Bill Pay Save time when you pay your bills online. Online Banking users can sign up for Bill Pay service and begin paying their bills online. The service costs just

More information

PROMEDICA FEDERAL CREDIT UNION 2301 W. Central Avenue Toledo, OH 43606 (419) 479-4040

PROMEDICA FEDERAL CREDIT UNION 2301 W. Central Avenue Toledo, OH 43606 (419) 479-4040 1. PFCU Internet Services. PROMEDICA FEDERAL CREDIT UNION 2301 W. Central Avenue Toledo, OH 43606 (419) 479-4040 This PFCU Internet Services Agreement ( Agreement ) is between ProMedica Federal Credit

More information

HAWAII FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

HAWAII FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE HAWAII FEDERAL CREDIT UNION ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning

More information

ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E

ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E First Source Federal Credit Union 4451 Commercial Drive New Hartford, NY 13413 (315) 735-8571 (800) 735-8571 ELECTRONIC FUNDS TRANSFER AGREEMENT and DISCLOSURE - REG E This Electronic Funds Transfer Agreement

More information

ELECTRONIC FUNDS TRANSFER SERVICES PROVIDED

ELECTRONIC FUNDS TRANSFER SERVICES PROVIDED 411 McMurray Road Bethel Park, PA 15102 Phone: (412) 409-2265 ELECTRONIC FUNDS TRANSFERS-REGULATION E YOUR RIGHTS AND RESPONSIBILITIES For purposes of this disclosure the terms "we", "us" and "our" refer

More information

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Electronic Fund Transfer

Electronic Fund Transfer ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

Overdraft Protection By The Credit Union

Overdraft Protection By The Credit Union ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic

More information

ATM AGREEMENT AND DISCLOSURE

ATM AGREEMENT AND DISCLOSURE This ATM (Automated Teller Machine) Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the ATM services offered to you by IH Credit Union, Inc. (

More information