Peach State Federal Credit Union Online Banking


Agreement and Disclosure

This agreement is the contract that covers your and our rights and responsibilities concerning online banking services offered to you. The words you and yours mean those who complete online banking registration online. The words we, us, and our mean Peach State Federal Credit Union located at 1505 Lakes Parkway Suite 100 Lawrenceville, GA 30043 and our phone number is 678-889-4328.

By completing online registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the 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.



Be a member in good standing

Have a PC, modem, and Internet access

Have Microsoft Internet Explorer 5.5 or above or Netscape 4.79 or above Best viewed with MS Internet Explorer 6.0 or Netscape 7.0

Agree to the terms and conditions of Peach State Federal Credit Union’s online banking Agreement and Disclosure

Online Banking Registration- You may register online by going to our website and click on online banking and follow the instructions. If you do not meet the requirements, your access will be canceled and you will be notified.

Online Banking Access- Upon approval of your application, you may access your account(s) from your personal computer.

You will need a personal computer and direct access to the Internet. Online Banking is best viewed with Microsoft Internet Explorer on the following operating systems:

       Windows 7 devices running older versions of IE (8, 9, 10), will require browser change. Windows 8 devices running IE 10 can support TLS 1.2, will require browser change.

       Windows 10 devices running IE 11 or Edge support TLS 1.2, no change required as well as Google Chrome and Firefox.

You are responsible for the installation, maintenance and operation of any software and your computer. Peach State Federal Credit Union will not be responsible for any errors or failures involving any telephone service, Internet Service Provider, or software installation or your computer.

Availability of online banking will be 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.


Online Banking Services

Account Information- You may review balances, and transaction history on all account(s) and sub- account(s) existing under your user name. 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 on which you are an authorized signer 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.  You may transfer up to the available balance in your Account at the time of the transfer, except as limited under other agreements.

Transfers to other Peach State Federal Credit Union members accounts will be permitted.  In order to complete this type of transfer the receiving member will need to either provide their name, member number/suffix or an account nickname of the receiving account. These types of transfers are subject to transactional limitations.

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 Home Equity Agreement and Disclosures, as applicable.

P2P- You may initiate a person to person payment.

ACH- You may initiate an ACH transaction for funds to be transferred to an outside financial institution.  Same day ACH is available; however there is a $4 same day ACH fee.

Apply for a loan- You may apply for a loan. You will be notified by e-mail or telephone the disposition of your application.

Reorder Checks- Request additional checks in the same format/address as your last placed with Peach State FCU.

Secured Messages- Send communications directly to the credit union. However, the credit union may not immediately receive these requests. Once we receive your mesage the credit union will respond to your request within a reasonable amount of time to allow for any research this requires. If you need to contact the credit union immediately regarding any unauthorized transaction, you may call the credit union at 678-889-4328.

Stop Payments-  You may place a stop payment on any outstanding check on your checking account. 

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

Change User Name- You may change your user name at any time.

Update Email address, phone numbers and mailing address- You may update your email address, phone numbers and mailing address.  A notification of these updates will be sent to you.

Quicken® or Microsoft Money®- Download your account information to financial management software programs, if applicable.

Authorized use- online banking- user name and password are issued to members and joint owners.  with your user name you will have access to any account you are on.  You may add authorized users for account access and determine permissions for these users.

User Name and Password- Your user name and password will be your online banking signature and 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 server or your user name and password and Peach State Federal Credit Union suffers a loss, we may terminate your online  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 10 minutes.

Liability for Unauthorized access- 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.  You are alos responsible for any transaction an authorized user conducts on your account.

However, tell us at once if you believe anyone has used your user name and password or accessed your accounts through online banking without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2 business days, you can not lose more than fifty ($50.00) if someone accesses your accounts 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).

If you do not tell us within sixty (60) days after the statement was sent, you may not get back any money lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as hospital stay) kept you from telling us, we will extend the 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 678-889-4328.

Immediately change your password, if you believe it has been compromised.

Error Resolution- In case of errors or questions regarding your online banking account call us at 678-889- 4328 or write to us at Peach State Federal Credit Union 1505 Lakes Parkway Suite 100,Lawrenceville, GA 30043.

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.

a) Tell us your name and account number(s) b) 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. c) 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 determine if an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly [five (5) business days for VISA® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account]. If we need more time, we may take up to 45 days (90 days if the transfer involved a new account, a point of sale transaction, or a foreign initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days of receiving the error notice, and will inform you, within two (2) business days, after providing provisional credit, of the amount and date , so that you will have the use of the money during the time it takes us to complete our investigation [five (5) business days for VISA® Check Card point-of-sale transactions and 20 business days if the transfer involved a new account]. If we ask you to put your complaint or question in writing and we do not receive it within 10 Business days, we may not credit your account. An account is considered a new account for 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. For errors involving new accounts, point-of- sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question.

We will tell you the results within (3) business days after completing our investigation. After completing the investigation, we will correct the error, if any, within one (1) business day after determining that an error occurred. A report of our results will be delivered or mailed to you within three (3) business days after the conclusion of the investigation including, if applicable, notice that a provisional credit has been made final. If we decide that there was no error; we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Fee and charges- Currently there are no fees to use online banking. All standard fees (NSFs, stop payment, etc.) set forth in your rate and fee schedule apply. We reserve the right to institute charges for online banking account access or transactions in the future, but only after written notification to you at least 30 days in advance.

Statements- All of your online banking account activity 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:

  • As necessary to complete transfers.
  • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as credit bureau or merchant.
  • To comply with government agency or court orders.
  • If you give us your express permission.


Credit Union Liability for Failure to Make Transfers- If we do not complete a transfer 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. 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, or 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 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.



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; and governmental and/or third party notices (such as IRS 1098, 1099, etc.), to include notices required by federal or state laws (such as notice of unclaimed property) or notice of the availability of any of the foregoing with you or on your behalf electronically (hereinafter all such disclosures and/or documentation is referred to as “electronic record(s))” by posting or providing a link to same on the Credit Union’s website, by submitting a notice to the most recent e-mail address on file as provided in your Membership Application and Signature Card (or as updated by you), or by our using other electronic methods allowed pursuant to applicable laws and regulations to provide electronic records to you. 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 records electronically. To request a paper copy or to withdraw your consent and agreement to receive electronic records call, you may write or e-mail us. If an e-mail is returned undeliverable, we will change your account statement status to paper and will provide your periodic statement via US mail to your address of record. Thereafter, it will be your responsibility to re-apply for any electronic notification or disclosure services we offer and/or to provide notice of your correct address pursuant to your Membership Agreement with us.