Mississippi Highway Safety Patrol Federal Credit Union

CUe-Branch

Internet Home Banking Service

Agreement and Disclosure

This agreement is the contract that covers your and our rights and responsibilities concerning CUe-Branch Internet Home Banking Service. The words "you" and "yours" mean those who complete the CUe-Branch application on line. The words "we", "us", and "our" mean MS Highway Safety Patrol Federal Credit Union (MHSPFCU) located at 1900 East Woodrow Wilson, Suite 204, Jackson, MS 39216, phone number 601-987-1290.

By completing the CUe-Branch online registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the CUe-Branch electronic funds transfer service. Electronic funds transfers (EFT) are electronically initiated transactions involving your deposit accounts at MHSPFCU through your personal computer.

CUe-Branch Requirements

You must be a member in good standing and agree to the terms and conditions of MHSPFCU's CUe-Branch Agreement and Disclosure.

To use CUe-Branch, you need a computer with a modem, internet access and a web browser that supports 128-bit encryption (the site is best viewed using the most recent version of Internet Explorer). If your computer is a Mac and you are having problems accessing your account, it is suggested that you download Internet Explorer's latest version and re-attempt access.

MHSPFCU is committed to providing the most secure internet service. When you interact with MHSPFCU 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 Home Banking Service.

CUe-Branch Online Registration

If you know your account number, you may register online by going to our website at www.mhspfcu.com, clicking on Home Banking and following the instructions. If you do not meet the requirements, or do not have know your account number, your access will be canceled. You may contact the credit union at 601-987-1290 for further assistance.

CUe-Branch Access

Upon approval, you may use your personal computer to access your accounts. You must use your CUe-Branch user name and password to access your accounts.

Availability of CUe-Branch Internet Home Banking Service

CUe-Branch service is 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 CUe-Branch Internet Home Banking Service at any time and for any reason without notice.

CUe-Branch Services

You can use CUe-Branch to access all accounts that are linked to your social security number. At your request, you may remove access to any accounts or sub-accounts linked to your social security number.

At the present time, you may use the following CUe-Branch 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. The availability of funds for transfer or withdrawal may be limited, however, subject to our Funds Availability Policy. The transaction history information may be limited to recent account information involving your accounts.

Transfers - You may perform transfers to your accounts or other accounts on which you are authorized 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 from your savings and club accounts will be limited to a total of six (6) (pursuant to Federal Regulation D) in any one calendar month. You may transfer or withdraw up to the available balance in your accounts 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.

Share Certificates – You may place share certificates from your accounts on which transfers are allowed subject to the terms in our Share Certificate Disclosure.

Apply for a Loan - You may complete an application for a loan and fax it to us at 601-987-1294. You will be notified by telephone of the disposition of your application.

Request a Check - You may request a check withdrawal from your regular savings account. A check will be issued the following regular business day, made payable to the member and all joint owners, and mailed to the address on record at MHSPFCU.

Reorder Checks - You may reorder additional checks via Clarke American.

Stop Payment - You may request a stop payment order for a check or range of checks from your checking account subject to the terms in our Stop Payment Disclosure. Requests made after 2:00 p.m. Central Time may not be effective until the following business day. A CUe-Branch stop payment request will serve as a substitute for a written order.

E-mail - You may send communications directly to MHSPFCU via e-mail. MHSPFCU, however, may not immediately receive e-mail communications that you send and we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act on it. If you need to contact MHSPFCU immediately regarding an unauthorized transaction or stop payment request, you may call us during regular business hours at 601-987-1290.

Change Password - You may select a new password for your account access at any time.

Authorized Use

Your user name and password will be your CUe-Branch 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 accounts or sub-accounts linked to your social security number.

Security of User Name and Password

You are responsible for the 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 MHSPFCU suffers a loss, we may terminate your CUe-Branch account services immediately. Revealing your user name and password will grant access to those accounts by unauthorized individuals.

To ensure the security of your CUe-Branch 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. Tell us at once if you believe someone has used your user name and password or accessed your accounts without your authority. Telephoning is the best way of minimizing your possible losses. For CUe-Branch transactions, if you tell us within two (2) business days that someone accessed your account without your permission, you can lose no more than fifty dollars ($50.00). 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).

If your statement shows CUe-Branch transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from performing the unauthorized transaction(s). If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you believe that someone has used your user name and password or has transferred or may transfer money from your accounts without your permission, call us at 601-987-1290.

Immediately change your password if you think it has been compromised.

Business Days

Our normal business days are Monday through Friday, excluding holidays.

Fees and Charges

Currently there are no fees to use CUe-Branch. All standard fees (NSF, Stop Payment, etc.) set forth in our Fees and Charges Schedule apply. MHSPFCU reserves the right to charge for CUe-Branch account access or transactions in the future. You will be given at least 30 days advance notice before MHSPFCU implements any changes to fees or adds any new fees for CUe-Branch service.

Right to Receive Statements

All of your CUe-Branch transactions will appear on your regular account statement. MHSPFCU 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 accounts or the transfers you make:

    1. where it is necessary for completing transfers,
    2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant,
    3. in order to comply with government agency or court orders, or
    4. 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. There are, however, some exceptions. We will not be liable, for instance:

    1. If, through no fault of ours, you do not have enough money in your account to perform the transfer, or your account is inactive.
    2. If you used the wrong password or you have not properly followed any applicable computer or MHSPFCU user instructions for performing transfer and loan payment transactions.
    3. If your computer fails or malfunctions or the CUe-Branch service was not properly working and such problem should have been apparent when you attempted the transaction.
    4. If circumstances beyond our control (such as fire, flood, telecommunication outages, strikes, equipment or power failure) prevent performing the transaction.
    5. If the funds in your account are subject to an administrative hold, legal process or other claim.
    6. If you have not given MHSPFCU complete, correct and current instructions so we can process a transfer, or in the event we receive conflicting information.
    7. If the error was caused by a system beyond MHSPFCU's control such as a telecommunications system or internet service provider.
    8. If there are other exceptions as established by MHSPFCU.

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 CUe-Branch 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 account(s) 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.

 

CUe-Branch services may be terminated to those members that cause a loss to the Credit Union.

 

Notices

MHSPFCU reserves the right to change the terms and conditions upon which this service is offered. MHSPFCU will mail 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 Mississippi where you opened your account, and the by-laws of MHSPFCU as they now exist or may hereafter 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 this 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 MHSPFCU for any liability, loss, or expense as provided in this agreement that MHSPFCU incurs as a result of any dispute involving your accounts or services. You authorize MHSPFCU to deduct any such liability, loss, or expense from your accounts without prior notice to you.

 

Error Resolution

In case of errors or questions regarding your CUe-Branch transactions, call us at 601-987-1290 or write to us at MS Highway Safety Patrol Federal Credit Union, P.O. Box 958, Jackson, MS 39205, as soon as possible. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Your correspondence must include:

    1. Your name and account number.
    2. A description of the error or transaction in question with a clear explanation of why you believe it is an error or why you need more information.
    3. The dollar amount of the suspected error or transaction. 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 result of our investigation within ten (10) business days after we hear from you and, in the case of an error, will correct the error promptly. Regarding errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the result of our investigation within twenty (20) business days. If we need more time, 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 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 we used in our investigation.

Contact Us
Disclosures