Harborstone Credit Union June 2015 Online Banking and Bill Pay Services Terms and Conditions

Transcription

1 Intrductin This agreement is the cntract that cvers yur and Harbrstne Credit Unin s rights and respnsibilities cncerning Online Banking, Online Bill Pay ( Bill Pay ), and Electrnic Statement ( estatement ) services ffered t yu by Harbrstne Credit Unin ( Credit Unin ). In this agreement, the wrds yu and yurs refer t thse wh submit an Online Banking authrizatin frm and any authrized users. The wrd accunt means any ne r mre share accunts yu have with the Credit Unin. By submitting yur nline authrizatin t use the Online Banking service, yu agree t the fllwing terms gverning yur and the Credit Unin s rights and respnsibilities cncerning the Online Banking electrnic funds transfer ( EFT ) services. EFTs are electrnically initiated Online Banking and Bill Pay transactins invlving yur depsit accunts. Online Banking Services Upn apprval, yu may use yur persnal cmputer t access yur accunts. Yu must use yur member number alng with yur security cde t access yur accunts. The Online Banking service is accessible seven (7) days a week, 24 hurs a day. Hwever, frm time t time, sme r all f Harbrstne s Online Banking services may nt be available due t system maintenance. During such times, yu may use Telephne Banking at (253) r r visit ne f the Credit Unin s branches. Yu will need a persnal cmputer and a web brwser. The link t the Credit Unin s Online Banking service can be fund at Harbrstne.cm. Yu are respnsible fr the installatin, maintenance, and peratin f yur cmputer and Internet cnnectin. The Credit Unin will nt be respnsible fr any errrs r failures invlving any Internet cnnectin r yur cmputer. At the present time, yu may use the Online Banking service t: Transfer funds between yur savings, checking, and mney market accunts. Transfer funds frm yur checking r savings accunt t a lan accunt. Review accunt balance and/r transactin histry fr checking, savings, mney market, certificate, and IRA accunts. Review infrmatin n yur lan accunts, including balance infrmatin, interest rates, scheduled payment amunts, and next payment due dates. Make bill payments frm yur checking accunt using the ptinal Bill Pay service. Transactins invlving yur depsit accunts will be subject t the terms f yur membership and accunt agreement, and transactins invlving a lan r line f credit accunt will be subject t yur lan agreement and disclsures, as applicable. Online Banking Service Limitatins The fllwing limitatins n Online Banking transactins may apply: Transfers. Yu may make funds transfers t yur ther accunts as ften as yu like. Hwever, yu are limited t a ttal f six (6) electrnic transfers frm yur savings r mney market accunts in any ne mnth. Yu may transfer r withdraw up t the available balance in yur accunt r up t the available credit limit n a line f credit at the time f the transfer, except as limited under this agreement Page 1 f 8

2 r yur depsit r lan agreements. The Credit Unin reserves the right t refuse any transactin that wuld draw upn insufficient r unavailable funds, lwer an accunt belw a required balance, r therwise require the Credit Unin t increase its required reserve n the accunt. The Credit Unin may set ther limits n the amunt f any transactin, and yu will be ntified f thse limits. Accunt Infrmatin. The accunt balance and transactin histry infrmatin may be limited t recent accunt infrmatin invlving yur accunts. Als, the availability f funds fr transfer r withdrawal may be limited due t the prcessing time fr any ATM depsit transactins and the Credit Unin s funds availability plicy. . Yu may use yur service t send messages t the Credit Unin. may nt, hwever, be used t initiate a transfer n yur accunt r a stp-payment request. T place a stp payment, yu can use the Secure Frm link under the Additinal Services tab inside Online Banking. T make a transfer between accunts, yu can use the Accunt Transfer link, which is under the Mve Mney tab inside Online Banking. The Credit Unin may nt immediately receive cmmunicatins that yu send, and the Credit Unin will nt take actin based n requests until the Credit Unin actually receives yur message and has a reasnable pprtunity t act. If yu need t cntact the Credit Unin immediately regarding an unauthrized transactin, yu may call the Credit Unin at the telephne numbers set frth in the Member Liability sectin belw. Bill Pay Service. When yu apply fr the Bill Pay service, yu must designate yur Credit Unin checking accunt as the accunt frm which authrized payments will be deducted. If yur applicatin fr Bill Pay service is apprved, yu will be given the ability t set up merchants, institutins, r individuals yu wuld like t pay. Yu are nt permitted t designate gvernmental agencies r curts. The Credit Unin reserves the right t nt allw the designatin f a particular merchant r institutin. Yu r any persns yu have authrized t use yur Bill Pay service, Online Banking service, sign-n passwrd, r any access cde can perfrm the fllwing transactins: Pay any designated merchant, institutin, r individual in accrdance with this agreement a fixed recurring amunt r a variable amunt n demand frm yur designated Credit Unin checking accunt. Obtain infrmatin (payee infrmatin, payment status infrmatin, etc.) abut yur Bill Pay accunt status. Bill Pay Transactins. Yu authrize the Credit Unin t prcess bill payments frm yur designated accunt. Yu may use the Bill Pay service t initiate three different types f payment transactins: On demand payments are payments that are nt recurring. The payments can be canceled r changed thrugh Bill Pay up until midnight befre yur scheduled debit date. Future payments are payments that yu initiate by setting the payment amunt and due date. The payments can be canceled r changed thrugh Bill Pay up until midnight befre the scheduled debit date. Recurring payments are payments that are recurring n a fixed due date and at a fixed amunt. Yu have an ptin in the Bill Pay system t set autmatic payments t cntinue indefinitely r until a set maturity date. The payment can be canceled r changed thrugh Bill Pay up until midnight befre the scheduled debit date. Page 2 f 8

3 Authrized Payments. When yu transmit a bill payment instructin t the Credit Unin, yu authrize the Credit Unin t transfer funds t make the bill payment transactin frm yur designated checking accunt. The Credit Unin will prcess bill payment transfer requests nly t thse payees the Credit Unin has designated in its user instructins and such payees as yu authrize and fr whm the Credit Unin has the prper payee cde number. The Credit Unin will nt prcess any bill payment transfer if it knws the required transactin infrmatin is incmplete. In any event, the Credit Unin will nt be liable fr any transactin that cntains incrrect infrmatin the Credit Unin was nt respnsible fr entering r knwing. If there are insufficient funds in yur accunt t make the bill payment request, the Credit Unin may refuse t make the payment, make the payment and transfer funds frm any verdraft prtectin accunt yu have established, r make the payment and thereby verdraw the payment accunt. In any event that yu have insufficient funds in yur payment accunt t make the bill payment request, yu are respnsible fr any nnsufficient funds ("NSF") r verdraft charges the Credit Unin may impse. Yu are als respnsible fr any NSF charges, finance charges, and/r late fees impsed by the bill payment prvider and/r the merchant(s) yu intended t pay with yur bill payment accunt. The Credit Unin reserves the right t refuse t prcess payment instructins that reasnably appear t the Credit Unin t be fraudulent r errneus. Prcessing Payments. The amunt f yur requested bill payments will be deducted frm yur accunt n the scheduled debit date and will be psted within tw business days f the date the payment is transmitted t the payee. Yu will receive a cnfirmatin number at the time f each transactin. Therefre, yu must have sufficient funds available t cver yur payment n the scheduled initiatin date. Bill payments are delivered t the payee either electrnically, which may take up t three business days frm the scheduled debit date, r by check (t thse payees nt set up t accept electrnic payments), which may take up t five business days frm the scheduled debit date. It is yur respnsibility t schedule yur bill payments in such a manner that yur bligatins will be paid n time. Yu shuld enter and transmit yur bill payment instructins at least five (5) business days befre a bill is due. If yu d nt allw sufficient time, yu assume full respnsibility fr any late payments r finance charges that may be impsed as a result f yur failure t transmit a timely bill payment authrizatin. Canceling r Changing Bill Payments. Payments designated as n demand transactins cannt be stpped, canceled, r changed nce yur Bill Pay sessin has ended. Yu may cancel r stp payment n future and recurring bill payment instructins under certain circumstances by fllwing the instructins prvided. If yu discver an errr in r want t change a payment instructin (i.e., payment date r payment amunt) fr a bill payment yu have already scheduled fr transmissin thrugh the Bill Pay service, yu may electrnically edit r cancel yur payment request thrugh the Bill Pay service. Yur cancellatin request must be entered and transmitted thrugh the Bill Pay service befre the date yu have scheduled fr payment. If yur request is nt entered in a timely manner, yu will be respnsible fr the payment. estatement Services By accepting the terms belw, yu agree t receive yur peridic accunt statements nline thrugh the Credit Unin s estatement service frm this pint frward. Yur nline statements may include the peridic accunt and transactin activity fr yur depsit and lan accunts, ntices fr insufficient funds r certificate maturity and ther similar accunt ntices, year-end tax statements fr dividends earned and mrtgage interest paid, and any disclsures. Yu als agree t receive any ntices and disclsures required by regulatin, such as Page 3 f 8

4 changes in yur accunt terms and yur annual privacy plicy, which will be made available thrugh the estatement cnsle. The Credit Unin will send yu an whenever yur mnthly statement, accunt ntice, r tax frm is available fr review. Once yu receive the , yu can access yur statement by lgging in t Online Banking and clicking n the estatements link under the Additinal Services tab. Yu will need Adbe Acrbat Reader sftware t read yur statements, which can be dwnladed at n charge frm the estatement registratin screen. Yu will be able t access, dwnlad, and print yur statements and ther dcuments nline fr a perid f 12 mnths. A statement cpy/accunt histry printut fee may apply fr requests beynd the 12-mnth perid. Yu have the right t request and receive yur statements and ther dcuments in paper frm, and yu may withdraw yur cnsent t receive estatements at any time. T d this, click n the estatements link, then select "Change Registratin Infrmatin," and then click the link t discntinue accunts. Select the accunt(s) yu wish t discntinue, and click "Submit. There are n fees r accunt restrictins fr chsing t withdraw yur cnsent fr estatements. Please nte that there may be a delay in prcessing estatement registratins fr new Online Banking members. Please allw up t tw business days after jining Online Banking befre changing yur estatement registratin. There may als be a delay in prcessing estatement infrmatin at the end f a business mnth. If yu register fr estatements during the last three business days f the mnth, yu may receive yur next statement in paper frm. Future statements will be received electrnically. Security f Access Cde Initial Access. After yu have successfully cmpleted and submitted the Online Banking Registratin Frm, a representative frm the Credit Unin will cntact yu t initiate yur use f the service via . After yu have successfully accessed the Online Banking service, yu will then select a specific, persnal passwrd t access the Online Banking service fr future access t the system. After yur initial sign-n, yu may change yur passwrd at any time by selecting the apprpriate functin frm the user ptins menu within the Online Banking service. Fr Bill Pay Service. Apprximately three (3) business days after yur applicatin fr Bill Pay service has been received, reviewed, and apprved by the Credit Unin, yu will be able t access yur Bill Pay service thrugh the Online Banking service; therefre, yu will enter a passwrd t sign n t the Online Banking service as described abve (see Initial Access ), then click n the Bill Pay tab lcated at the tp f the screen. Security. The persnal identificatin number, r access cde, that yu select is fr yur security purpses. The access cde is cnfidential and shuld nt be recrded r disclsed t third parties. Yu are respnsible fr the safekeeping f yur access cde. Yu agree nt t disclse r therwise make yur access cde available t anyne nt authrized by yu t sign n t yur accunts. If yu authrize anyne t have r use yur access cde, yu understand that persn may use the Online Banking service t review all f yur accunt infrmatin and make accunt transactins. Therefre, the Credit Unin is entitled t act n transactin instructins received using yur access cde, and yu agree that the use f yur access cde will have the same effect as yur signature authrizing transactins. Page 4 f 8

5 Authrizatin. If yu authrize anyne t use yur access cde in any manner that authrity will be cnsidered unlimited in amunt and manner until yu specifically revke such authrity by ntifying the Credit Unin and by changing yur access cde immediately. Yu are respnsible fr any transactins made by such persns until yur access cde is changed and yu ntify the Credit Unin that transactins and access by that persn are n lnger authrized. If yu fail t maintain r change the security f these access cdes and the Credit Unin suffers a lss, the Credit Unin may terminate yur electrnic funds transfer and accunt services immediately. Apple Tuch ID fr iphne. Tuch ID allws yu t use yur fingerprint, instead f entering yur username and passwrd, t lg in securely. Available nly n iphne 5s, iphne 6, and iphne 6 Plus devices with ios 8. Fingerprints are stred nly n yur device. In additin, they are encrypted with a key that is accessible nly t the device, ffering an verall secure means t access sensitive financial infrmatin. N need t wrry abut stlen passwrds. Yur username and passwrd will nt be stred n yur device. The Credit Unin des nt see r stre yur fingerprint infrmatin. By enabling Tuch ID, every persn with an enrlled fingerprint n yur device will have access t yur Credit Unin accunts. Review the enrlled fingerprints t make sure that each persn is authrized t access the persnal and financial infrmatin available in the app. Fr infrmatin n hw Apple prtects yur fingerprint and data, please see Apple's privacy plicy and ios security guides. Member Liability Yu are respnsible fr all transfers yu authrize using the Online Banking service under this agreement. If yu permit ther persns t use yur access cde, yu are respnsible fr any transactins they authrize r cnduct n any f yur accunts. Hwever, ntify the Credit Unin at nce if yu believe anyne has used yur access cde and accessed yur accunts withut yur authrity. Telephning is the best way f keeping yur pssible lsses dwn. Fr Online Banking transactins, if yu ntify the Credit Unin within tw (2) business days, yu can lse n mre than $50 if smene accessed yur accunt withut yur permissin. If yu d nt ntify the Credit Unin within tw (2) business days after yu learn f the unauthrized use f yur accunt r access cde and the Credit Unin can prve that it culd have stpped smene frm accessing yur accunt withut yur permissin if yu had ntified the Credit Unin, yu culd lse as much as $500. Als, if yur paper statement shws Online Banking transfers that yu did nt make, ntify the Credit Unin at nce. If yu d nt ntify the Credit Unin within sixty (60) days after the statement was mailed t yu, yu may be liable the full amunt f the lss if the Credit Unin can prve that it culd have stpped smene frm making the unauthrized EFT transactins. If a gd reasn (such as a hspital stay) keeps yu frm ntifying the Credit Unin, it may extend the time perids. If yu believe that yur access cde has been lst r stlen r that smene has transferred r may transfer mney frm yur accunt withut yur permissin, call (253) r , Online.Banking@Harbrstne.cm, r write Harbrstne Credit Unin, Attn: Online Member Service, P.O. Bx 4207, Tacma, WA Business Days The Credit Unin s business days are Mnday thrugh Friday. Hlidays are nt included. Fees and Charges The Online Banking service is free fr members. Page 5 f 8

6 The Bill Pay service is free fr all members. There are currently n charges fr Online Banking and Bill Pay services. Frm time t time, the charges may be changed. We will ntify yu f any changes, as required by law. Transactin Dcumentatin Transfers, mbile check depsits, and withdrawals transacted thrugh Online Banking will be recrded n yur mnthly/quarterly peridic statements. Accunt Infrmatin Disclsure The Credit Unin will maintain the cnfidentiality and privacy f yur accunt infrmatin in accrdance with its privacy plicy as stated n the Credit Unin s website at Harbrstne.cm; hwever, the Credit Unin will disclse infrmatin t third parties abut yur accunt r the transfers yu make in the fllwing limited circumstances: As necessary t cmplete transfers. T verify the existence f sufficient funds t cver specific transactins upn the request f a third party, such as a credit bureau r merchant. T cmply with gvernment agency r curt rders. If yu give the Credit Unin yur express permissin. Limitatin f Liability fr Online Banking Services If the Credit Unin des nt cmplete a transfer t r frm yur accunt n time r in the crrect amunt accrding t its agreement with yu, the Credit Unin will be liable fr yur lsses r damages. The Credit Unin s sle respnsibility fr an errr in a transfer will be t crrect the errr. Yu agree that neither the Credit Unin nr the service prviders shall be respnsible fr any lss, prperty damage, r bdily injury, whether caused by the equipment, sftware, Credit Unin, Internet brwser prviders, Internet access prviders, nline service prviders, r agents r subcntractrs f any f the freging. Nr shall the Credit Unin r the service prviders be respnsible fr any direct, indirect, special, r cnsequential ecnmic r ther damages arising in any way ut f the installatin, dwnlad, use, r maintenance f the equipment, sftware, Online Banking service, Bill Pay service, Internet brwser, r access sftware. In this regard, althugh the Credit Unin has taken measures t prvide security fr cmmunicatins frm yu t the Credit Unin via the Online Banking and Bill Pay services and may have referred t such cmmunicatins as secured, the Credit Unin cannt and des nt prvide any warranty r guarantee f such security. In states that d nt allw the exclusin r limitatin f such damages, the Credit Unin s liability is limited t the extent permitted by applicable law. The Credit Unin will nt be liable fr the fllwing: If, thrugh n fault f the Credit Unin, yu d nt have enugh mney in yur accunt t make the transfer, yur accunt is inactive, r the transfer wuld g ver the credit limit n yur line f credit, if applicable. If yu used the wrng access cde r have nt prperly fllwed any applicable cmputer r Credit Unin user instructins fr making transfer and Bill Pay transactins. If yur cmputer fails r malfunctins r the phne lines r Credit Unin cmputer system were nt prperly wrking and such prblem shuld have been apparent when yu attempted such transactin. Page 6 f 8

7 If circumstances beynd the Credit Unin s cntrl (such as fire, fld, telecmmunicatin utages r strikes, equipment r pwer failure) prevent making the transactin. If the funds in yur accunt are subject t an administrative hld, legal prcess, r ther claim. If yu have nt given the Credit Unin cmplete, crrect, and current instructins s that it can prcess a transfer. If, thrugh n fault f the Credit Unin, a Bill Pay r funds transfer transactin des nt reach a particular payee due t changes in payee address, accunt number, r therwise; the time yu allwed fr payment delivery was inaccurate; r the payee failed t prcess a payment crrectly r in a timely manner and a fee, a penalty, r interest is assessed against yu. If the errr was caused by a system beynd the Credit Unin s cntrl, such as a telecmmunicatins system, an Internet service prvider, a cmputer virus, r a prblem related t sftware nt prvided by the Credit Unin. If there are ther exceptins as established by the Credit Unin. Terminatin f Online Banking and/r Bill Pay Services Yu agree that the Credit Unin may terminate this agreement and yur Online Banking service if yu, r any authrized user f yur Online Banking service r access cde, breach this r any ther agreement with the Credit Unin; if the Credit Unin has reasn t believe that there has been an unauthrized use f yur accunts r access cde; if yu cnduct r attempt t cnduct any fraudulent, illegal, r unlawful transactin; r if the Credit Unin reasnably believes yur accunt cnduct pses an undue risk f illegality r unlawfulness. In additin, the Credit Unin reserves the right t terminate yur Online Banking and/r Bill Pay services if yu fail t use the services fr mre than 90 cnsecutive calendar days, and there will be a $6 recnnectin fee fr Online Banking and/r Bill Pay services that have been previusly terminated. Yu r any ther party t yur accunt can terminate this agreement by ntifying the Credit Unin in writing. Terminatin f service will be effective the first business day fllwing receipt f yur written ntice. Terminatin f this agreement will nt affect the rights and respnsibilities f the parties under this agreement fr transactins initiated befre terminatin. Ntices The Credit Unin reserves the right t change the terms and cnditins upn which this service is ffered. The Credit Unin will ntify yu at least twenty-ne (21) days befre the effective date f any change, as required by law. This means the Credit Unin will mail yu ntice r, if yu have cnsented t electrnic disclsures, will send it t the address yu have designated. Use f this service is subject t existing regulatins gverning the Credit Unin accunt and any future changes t thse regulatins. Statement Errrs In case f errrs r questins abut yur Online Banking transactins, cntact the Credit Unin by telephne, by , r in writing as sn as yu can. (Cntact infrmatin is set frth in the Member Liability sectin abve.) The Credit Unin must hear frm yu n later than sixty (60) days after it sends the first statement n which the errr appears. Give the Credit Unin yur name and member/accunt number. Page 7 f 8

8 Describe the transactin yu are unsure abut, and explain as clearly as yu can why yu believe it is an errr r why yu need mre infrmatin. Tell the Credit Unin the dllar amunt f the suspected errr. If yu ntify the Credit Unin verbally, it may require that yu send yur cmplaint r questin in writing within ten (10) business days. The Credit Unin will infrm yu f the results f its investigatin within ten (10) business days after hearing frm yu and will crrect any errr prmptly. Fr errrs related t transactins ccurring within thirty (30) days after the first depsit t the accunt (new accunts), the Credit Unin will infrm yu f the results f its investigatin within twenty (20) business days. If the Credit Unin needs mre time, hwever, it may take up t frty-five (45) calendar days t investigate yur cmplaint r questin, r it may take up t ninety (90) calendar days fr new accunt transactin errrs r errrs invlving transactins initiated utside the United States. If the Credit Unin des this, it will credit yur accunt within ten (10) business days fr the amunt yu think is in errr s that yu will have use f the mney during the time it takes the Credit Unin t cmplete its investigatin. If the Credit Unin requests that yu put yur cmplaint r questin in writing and des nt receive it within ten (10) business days, the Credit Unin may nt credit yur accunt. If the Credit Unin decides after its investigatin that an errr did nt ccur, the Credit Unin will deliver r mail t yu an explanatin f its findings within three (3) business days after the cnclusin f its investigatin. If yu request, the Credit Unin will prvide yu cpies f the dcuments (t the extent pssible withut vilating ther members rights t privacy) relied upn t cnclude that the errr did nt ccur. Other General Terms Other Agreements. In additin t this agreement, yu agree t be bund by and will cmply with all terms and cnditins applicable t yur relatinship with the Credit Unin, as described in yur Credit Unin membership and accunt agreement, prir receipt f which yu acknwledge. Severability. In the event that any prtin f this agreement is held by a curt t be invalid r unenfrceable fr any reasn, the remainder f this agreement shall nt be invalid r unenfrceable and will cntinue in full frce and effect. All headings are intended fr reference nly and are nt t be cnstrued as part f the agreement. Enfrcement Yu agree t be liable t the Credit Unin fr any liability, lss, r expense as prvided in this agreement that the Credit Unin incurs as a result f any dispute invlving yur accunts r services. Yu authrize the Credit Unin t deduct any such liability, lss, r expense frm yur accunt withut prir ntice t yu. This agreement shall be gverned by and cnstrued under Washingtn State laws as applied t cntracts entered int slely between residents f, and t be perfrmed entirely in, such state. In the event either party brings a legal actin t enfrce the agreement r cllect any verdrawn funds n accunts accessed under this agreement, the prevailing party shall be entitled, subject t Washingtn State law, t payment by the ther party f its reasnable attrney s fees and csts, including fees n any appeal, bankruptcy prceedings, and pst-judgment cllectin actins, if applicable. Shuld any ne r mre prvisins f this agreement be determined illegal r unenfrceable in any relevant jurisdictin, then such prvisin shall be mdified by the prper curt, if pssible, but nly t the extent necessary t make the prvisin enfrceable, and such mdificatin shall nt affect any ther prvisin f this agreement. Page 8 f 8