NRS Community Development Federal Credit Union
Internet Banking Service
Agreement and Disclosure
This Agreement is the contract that covers your and our rights and responsibilities concerning CUe-Branch Internet Banking Services offered to you. The words "you" and "yours" mean those who complete the CUe-Branch application on line. The words "we", "us", and "our" mean NRS Community Development Federal Credit Union, P O Box 130520, Birmingham AL, 35213 phone number 205-833-3556.
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 and loan accounts at the Credit Union through your personal computer.
You must be a member in good standing and agree to the terms and conditions of NRS Community Development Federal Credit Union'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 (such as Microsoft Internet Explorer 6.0 or above; or Netscape Navigator 7.02 or above). CUe-Branch is best viewed with Microsoft Internet Explorer 6.0 or Netscape 7.02. 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.
NRSCDFCU is committed to providing the most secure Internet service. When you interact with NRSCDFCU 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.
CUe-Branch Online Registration
If you have a Voice Response confirmed PIN, you may register online by going to our website www.nrsfcu.com, click on CUe-Branch and follow the instructions. If you do not meet the requirements, or do not have a Voice Response confirmed PIN, your access will be canceled. You may contact a member services representative at 205-833-3556 for further assistance.
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 Service
CUe-Branch 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 CUe-Branch Internet Banking Services at any time and for any reason without notice.
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 account or sub-account that has 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. 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, or your Home Equity Agreement and Disclosures, as applicable.
Apply for a Loan - You may make an application for a loan. You will be notified by telephone of the disposition of your application.
Request a Check - You may request a check withdrawal from any savings, checking or club account (excluding Christmas, IRA, and Money Market Magic club 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.
Stop Payment - You may request a stop payment order for a check or range of checks from your checking account. Requests made after 2:00 PM 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 the Credit Union. However, the Credit Union may not immediately receive e-mail communications that you send and the Credit Union will not take action based on e-mail 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 or stop payment request, you may call the Credit Union at 205-833-3556.
Change Password - You may select a new password for your account access at any time.
QuickenÒ or Microsoft MoneyÒ - You may download your account information to financial management software programs, if applicable.
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 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 NRS Community Development Federal Credit Union 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.
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 CUe-Branch 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 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 making the unauthorized transactions. 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 account without your permission, call us at 205-833-3556.
Immediately change your password if you think it has been compromised.
Our 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. NRSCDFCU 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 NRSCDFCU 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. 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 CUe-Branch 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 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 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.
CUe-Branch services may be terminated to those members that cause a loss to the Credit Union.
The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union 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.
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 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 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.
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.
In case of errors or questions regarding your CUe-Branch transactions, call us at 205-833-3556 or write to us at NRS Community Development Federal Credit Union, P.O. Box 130520, Birmingham, AL 35213 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 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.
E-Statement Disclosure and Agreement
This Agreement and Disclosure specifically governs the E-Statement Services, and informs you of your rights and responsibilities and the terms and conditions associated with the service you have requested. Please read this Agreement and Disclosure carefully. In this Agreement and Disclosure, the words “you”, “your”, and “yours” mean each and every one who utilizes E-Statement Services and generally the primary account owner. The words “we”, “us”, “our”, and “Credit Union” mean NRS Community Development Federal Credit Union. The words “The Service” refer to E-Statement Services.
You agree to be bound by all terms and conditions contained herein, and are in addition to the terms and conditions in our other agreements (found in the Membership and Account Agreement). You further agree to follow all instructions provided by the Service and reflected on your computer screen. You further agree to abide by any terms or conditions, which may be added because of future enhancements to E-Statement Services.
Except as otherwise provided for herein, using your personal computer (PC) and your designated User ID and Password, you can access your Credit Union statement 24 hours per day, seven days per week. We will provide your periodic Credit Union financial account statement electronically. The scope of the information, notices and disclosures that we will provide to you is more fully described below.
Credit Union E-Statements will be available 24 hours a day, seven days a week, except when down for maintenance or as otherwise indicated in the paragraph titled “System Unavailability.”
AGREEMENT TO ELECTRONIC DELIVERY OF ACCOUNT STATEMENTS
By entering into this Agreement, you understand that the Credit Union will cease providing you with monthly printed account statements mailed to your mailing address of record, and that all future account statements will be maintained on a site you may access to obtain, review, print and otherwise copy/download your periodic statements. Each month we will send a notice to you via e-mail advising you of the availability of your E-Statement. You agree to notify us immediately, via Internet Banking of any change in your e-mail address.
You specifically consent and agree that we may provide all disclosures, agreements, contracts, periodic statements, receipts, notices, modifications, amendments, and all other evidence of our transactions, or notice of the availability of any of the foregoing with you or on your behalf electronically to the e-mail address you provide us. You consent and agree that the primary account owner as defined by your account agreement will be the only individual to receive a Internet Banking ID and Password. You have a right to receive a paper copy of any of these electronic records if applicable law specifically requires us to provide such documentation. Also, you may withdraw your consent and revoke your agreement to receive electronic records by calling, writing or changing your selection on Internet Banking. If an e-mail is returned undeliverable, we will attempt to contact you to verify a correct e-mail address.
The Credit Union must receive notification of any change in email address at least three business days prior to the statement date to give us time to affect the change. Failure to do so may result in a delay of lack of delivery of your statement for the given period. Upon receipt of your consent, we will provide all electronic records to you as applicable, to the email address that you provide. You are required to enter your membership number to log on, together with a password, created by you, to access the electronic records. It is your sole responsibility to protect your logon and password from unauthorized persons. You understand that you have no expectation of privacy if electronic records are transmitted to an email address owned by your employer or any other persons that are not owners, borrowers, authorized users, etc. You further agree to release the Credit Union from any liability if the information is intercepted or viewed by an unauthorized party at the email address selected by you, or any updates thereto that are provided to the Credit Union.
Your statements will be available for 36 months from the date the E-Statement is received.
Equipment and Software Requirements. To access E-Statements, Internet Banking, and to retain documents, agreements and disclosures electronically you need a computer with an internet access, and you will need to use the following computer software and hardware: the 128 bit version of Microsoft Internet Explorer; and hardware capable of running this software. Use and access to these services requires the use of a browser that supports SSL and Cookies. You are responsible for the set-up and maintenance of your home computer, which supports the encryption requirements of our Internet Banking system.
These are the present minimum requirements that are required to access and use the system, which may change without notice. We make no warranty or representation regarding the access speed that you will have now or in the future, as such is beyond the control of the Credit Union. Also, these minimum requirements are likely to change as technology, software, and other matters continue to evolve.
You are solely responsible for the selection, installation, maintenance, and operation of your personal computer and software. The Credit Union expressly disclaims any and all liability as relates to the improper use of your personal computer and the transmission of data. The Credit Union is not responsible for any errors or failures due to any malfunction of your personal computer or software, or unsuitability of your personal computer or software, or any virus, or any problems that may be associated with the use of any Internet service. The Credit Union will notify you of any change to the software and hardware requirements needed to access this Service within an acceptable period. If you do not agree to the changes required, you may terminate the Service without charge.
We reserve the right to require written re-application for a new/replacement password.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC STATEMENT
You must promptly access/review your E-Statement and any accompanying items and contact us IMMEDIATELY if you think your statement is wrong, or if you need more information. YOU MAY NOTIFY US. Information concerning errors or questions about your electronic statement is additionally provided to you within Internet Banking. We must hear from you no later than sixty (60) days after the E-mail date regarding the statement on which the problem or error appeared. Tell us your name and account number, the dollar amount of the suspected error, and the date it occurred. 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.
If you notify us verbally, we may require you to send us your complaint or questions in writing within ten (10) business days. We will tell you, in writing, the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If you need more time, however, we may take up to forty-five (45) days to investigate, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or request in writing and we do not receive it within ten (10) business days, the Credit Union is not required to credit your account.
For transactions initiated outside the United States, the time period stated above increases to ninety (90) calendar days instead of forty-five (45) calendar days, unless otherwise required by law, to investigate your complaint or question. If you claim is made within thirty (30) days of account opening, we will provisionally credit your account within twenty (20) business days and may take up to ninety (90) calendar days to conduct our investigation.
If we determine there was no error, we will send you a written explanation within three (3) business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation and upon which we relied to conclude that the error did not occur.
FEES AND CHARGES
There is currently no fee for the Service or termination thereof. However, the Credit Union reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law.
We will send you all notices, attachments and/or documents via the Internet Banking while viewing your e-statement.
Access to the Service may be unavailable at certain times for the following reasons: (1) Scheduled maintenance-There will be periods when systems require maintenance or upgrades; (2) Unscheduled maintenance-Service may be unavailable when unforeseen maintenance is necessary; or (3) System Outages-Major unforeseen events, including, but not limited to earthquakes, hurricanes, fires, floods, computer failures, interruptions in telephone service, or electrical outages, that may cause system unavailability. The Credit Union will make all reasonable efforts to ensure the availability of the Service. However, the Credit Union is no way liable for the unavailability of the Credit Union E-Statements Service or any consequential damages that may result.
DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY
We make no warranty of any kind, express or implied, including any implied warrant of merchantability or fitness for a particular purpose, in connection with the E-Statements provided to you under this agreement. We do not and cannot warranty that E-Statements will operate without error, or that E-Statements will be available at all times. Except as specifically provided in this Agreement, or otherwise require by law, you agree that our officers, directors, employees, agents, or contractors are not liable for any indirect, incidental, special, or consequential damages under or by reason of any services or products provided under this Agreement or by reason of your use of E-Statements, including loss of profits, revenue, data or use by you or any third party, whether in an action in contract or tort based on a warranty or any other legal theory. Further, in no event shall the liability of the Credit Union and its affiliates exceed the amounts paid by you for the services provided to you through E-Statements.
TERMINATION OF AGREEMENT AND SERVICE
You may cancel this Agreement and terminate your Service with the Credit Union at any time by notifying the Credit Union either orally, via the unsubscribe section of the Internet Banking. The Credit Union may terminate its Service and this Agreement and Disclosure at any time by giving you advance notification via email. It may take as long as forty-five (45) days from the monthly/quarterly statement by postal mail, with all subsequent printed and mailed statements arriving monthly/quarterly thereafter.
This Agreement is made in Alabama and shall be construed and governed by the laws of the State of Alabama, without regard to its conflicts of laws, provisions, and to the extent that Alabama law is not inconsistent with controlling Federal Law.
THIS AGREEMENT INCORPORATES BY REFERENCE THE TERMS AND PROVISIONS OF YOUR MEMBERSHIP AGREEMENT WITH THE CREDIT UNION, WHICH GOVERNS ACCOUNTS AND OTHER AGREEMENTS AND SERVICES OFFERED BY THE CREDIT UNION AND PURSUANT TO WHICH YOU AND THE CREDIT UNION AGREE, UPON THE REQUEST OF AN ACCOUNT OWNER OF THE CREDIT UNION, TO SUBMIT TO MANDATORY BINDING ARBITRATION ANY “DISPUTE” AS THAT TERM IS DEFINED IN THE MEMBERSHIP AGREEMENT.
This Agreement governs your use of the Service and becomes effective upon clicking “I’ve read and agree to the listed above” during registration.
Consent for Electronic Disclosures on Credit Union Website
If you have verified your e-mail address, check the box next to “I’ve read and agree to the listed above” to continue. (The check mark in the box indicates you are registered for e-Statements.)
By clicking “I’ve read and agree to the listed above” you consent to electronic disclosure of all Electronic Records as indicated above, and confirm that you have received and read the terms and conditions of all agreements, disclosures, notices and other documents provided electronically. You will no longer receive a statement via postal mail service. You will receive notification each month by email when your e-Statement is ready to view in Internet Banking.
If you are currently registered and wish to discontinue e-Statements, or do not wish to consent to electronic disclosure and understand that this choice cancels the application or other transaction now being performed, simply click “I don’t agree to the terms listed above” to continue.