My Credit Union - Disclosures

This disclosure and agreement applies to transactions initiated by using My Credit Union P/C Access Service. KEEP IT FOR YOUR RECORDS! It is part of the account agreement with the credit union.

You may make transfers to and from any deposit accounts shown under your social security number except on share certificates of deposit, IRAs, and certain restricted accounts such as holding accounts. You may also transfer payments to certain loan accounts. We reserve the right to refuse any transaction that would draw upon insufficient or unavailable funds or lower an account below a required balance. Also, all accounts must be in good standing before transfers are permitted.

Transactions involving your accounts will be subject to the terms and conditions of your Membership and Account Agreement; transactions involving loan accounts will be subject to your loan agreement and disclosures, as applicable.

Available Services
You may use this service anytime 24 hours a day, 7 days a week, 365 days a year to access your account(s). Service includes:

Make inquiries on your account balances and loan balances.
Make Savings, Checking, Tax/Escrow, Christmas Club, Vacation Club, Term Share and loan history inquiries.
If you have funds available, you may make transfers within your account.
Verify interest and dividend payments for tax purposes.

Note “Checking” includes the Regular Checking, NOW Checking and Ultra Checking

Limitations on transfers from your Savings Account using P/C Access.
Government regulations restrict the number of preauthorized and telephone transfers (including transfers by way of data transmission) from your Savings Account to no more than six (6) per month. Transfers made through P/C Access are included when computing the permissible number of monthly transfers made. However, you are not prohibited from making transfers to make payments on your loans with us. If you exceed the number of transfers permitted, your account may be subject to closure. Please refer to your Truth-In-Savings Disclosure for more information concerning transaction limitations.

Your Personal Identification Number (PIN)
If the credit union approves your application for P/C Access, you cannot access your account without keying your account number and PIN. KEEP YOUR PIN SECRET! DO NOT GIVE IT TO ANYONE! YOU ARE RESPONSIBLE FOR IT! This will help you avoid unauthorized use of your accounts. All other terms governing the procedure for liability for unauthorized use will follow the Electronic Funds Transfer (EFT) Service Agreement and Disclosure Statement.

Fees

There are no fees directly associated with using P/C Access. However, the accounts you access may be subject to fees for certain transactions, which are performed through P/C Access. These fees will be deducted from your account at the end of the month. Any long distance measured service, toll charges or internet-related expenses incurred when dialing to access the service will be your sole responsibility. Your separate credit union fee schedule is incorporated by reference.

Liability for Unauthorized Transactions

If you believe that your PIN has been lost or stolen, or that someone has used it or may use it to transfer money from your account without permission, you MUST tell the credit union at once. Telephoning is the best way to limit your possible losses. You MUST follow up oral notices in writing. Your failure to report unauthorized use promptly can result in the loss of all of the money in your accounts. If you tell the credit union within 2-business day, you can lose no more than $50 if someone used your PIN without your permission. If you do not tell the credit union within 2-business days after you learn of the loss, or theft of your PIN, and the credit union can prove the credit union could have prevented someone from using your PIN, without your permission, you could lose as much as $500. If your statement indicates transactions that you did not make, notify the credit union at once. If you do not report the loss within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days, if the credit union can prove that the credit union could have rectified the loss had you notified the credit union in time. If a good reason, such as an extended hospital stay, kept you from notifying the credit union in time, the time period may be extended.

Error Resolution Disclosure

In case of errors or questions about your electronic transfers, call 817-428-2463 or write to:

My Credit Union 13016 Highway 287, Haslet, TX 76052

We must hear from you no later than sixty (60) days after we send the first statement on which the problem or error appeared.

Tell us your name and account number
Describe the error or the transfer you are unsure about and explain as clearly as you can why you believe it is in error or why you need more information.
Tell us the dollar amount of the suspected error

If you tell us orally, we will require that you send us your complaint or questions 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 any error promptly. If we need more time, however, we may take up to ninety (90) days to investigate your complaint or question. If we decide to do this, we will recredit 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 the transaction you believe to be in error occurred at a point-of-sale terminal, then we may take up to twenty (20) days to investigate your claim. If we need more time, we may take up to ninety (90) days. If we decide to do this we will re-credit the account in question within twenty (20) days of receiving your inquiry with the amount you think is in error.

If we decide that 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.

Disclosure of Business Days

Our business days are Monday through Friday, 9:00 am to 4:30 pm. Holidays are not included.

Disclosure of Information to Third Parties

The credit union may disclose information to third parties about your account or your transactions only when one of the following conditions exist:

When it is necessary to complete transactions you have requested to be made.
In order to verify the existence and status of your account(s) for a third party, such as a credit bureau.
When ordered to do so by a government agency or court.
If you give the credit union your written permission.

Liability for Failure to Make Transfers

If the Credit Union does not complete a transfer to or from your account on time or in the correct amount according to My Credit Union’s agreement with you, the credit union will be liable for your losses or damages. However, there are some exceptions. My Credit Union will NOT be liable, for example:

If, through no fault of the credit union, your account does not contain enough money to complete the transaction.
If the money in your account is subject to legal process or other claims.
If circumstances beyond the credit union’s control (such as, but not limited to, fire, flood, electrical failure or malfunction of our central data processing facility) prevents the proper execution of the transaction and the Credit Union has taken reasonable precautions to avoid these circumstances
The services, your equipment or any communications link is not working properly and you know or have been advised by the credit union about the malfunction before you execute the transaction.
If there are other exceptions established by the credit union and you have notice of the exceptions.
If transactions occur by other means such as checks clearing or ATM withdrawals before your Internet transaction is posted on the next business day.

In addition, you understand and agree that temporary interruptions of the service may occur as normal events in the provision of the service. My Credit Union agrees to exercise reasonable care to prevent such occurrences; however, under no circumstances will My Credit Union be held liable for any financial losses or other damages due to such interruptions.

Hold Harmless

You agree to indemnify and hold My Credit Union harmless from any cost or damage which it sustains as a result of carrying out your written instructions in a reasonable manner.

Termination and Cancellation

My Credit Union can terminate the service at any time without notice:

If you breach the terms of this P/C Access Disclosure and Agreement.
If the credit union believes there may be unauthorized use of your accounts
If there are conflicting claims to funds in your accounts.
If the credit union has been ordered to do so by a government agency or court.
If you ask the credit union to do so.
In the event of any other termination that may take place on advanced notice to you as required by law.
PC access with no activity for the last 180 days will be deactivated.

Upon termination of the service you agree that any service charges incurred for the month in which termination takes place will be forfeited.

Other Terms

All Internet transactions are posted on the next open business day. For immediate transfer credit use the telephone Access Line or call your nearest credit union office. All deposits are subject to My Credit Union’s Availability of Funds Policy, incorporate by reference.

You are responsible for attempting to withdraw funds when you do not have sufficient funds available in your accounts. If your use of any EFT service results in an overdraft in your account, you agree to reimburse the credit union for the amount and any related fees immediately. If you do not do so, you agree to pay any cost the credit union may incur to collect what you owe the credit union, including reasonable attorney fees and court costs. Any required and appropriate notices may be issued to you at your last address known to the credit union.

The credit union will give you 30 days advance notice of any changes in terms that will adversely affect you. This agreement is subject to change without notice to conform with Rules and Regulations, as set forth by governmental bodies, regulatory agencies and the Credit Union’s Account Agreement. No printed receipts will be issue for P/C Access transactions. You will receive a record of it through your monthly statement.

You agree that you are responsible for any errors, failures or malfunctions with an Internet service provider or your computer. My Credit Union will not be responsible for any maintenance or repair of your computer or for any errors, which you commit in connection with the operation of any software system.

You will not use My Credit Union’s name, or anything that in My Credit Union’s opinion implies use of My Credit Union’s opinion implies use of My Credit Union’s identity, in any written or oral advertising, brochure, newsletter, book or other written material of whatever nature, or in presentation without our written consent.

Euless Mineola

1014 N. Industrial Blvd 415 W. Broad

Euless, TX 76039 Mineola, TX 75773

817-283-8023 Metro 817-267-8189 903-569-0303

Fax 817-267-1634 Fax 903-569-0325

Canton Watauga

408 E. HWY 243 5744 Watauga Road

Canton, TX 75103 Watauga, TX 76148

903-567-5981 817-428-2463

Fax 903-567-5983 Fax 817-281-9356

Fort Worth Wills Point

4444 South Freeway (I-35) 1301 W. South Commerce

Fort Worth, TX 76115 Wills Point, TX 75169

817-921-9093 Metro 817-921-5322 903-873-1252

Fax 817-924-4025 Fax 903-873-8014

Outside D/FW Area

1-800-283-MYCU (6928)