Scientific Research Partners Credit Union




This Agreement sets out the rights and obligations of a user of the SRPCU’s Online Banking.
It describes the rights and obligations of Scientific Research Partners Credit Union. Please
read this Agreement carefully. You must accept this Agreement before your
Online Banking service will be effective. You should also keep a copy for yourself as this
sets forth how your account will be handled. You will also be responsible for any
subsequent changes to this agreement after you have been given thirty (30) days
written notice of the changes. The written notice can be either posted on the Scientific Research
Partners Credit Union site (http:\\ or included with your monthly statement.


The following definitions apply in this Agreement.
• SRPCU’s Online Banking is the WEB-based service providing access to your Credit Union account(s).
• "Online account" means any account from which you will be conducting transactions using this service.
• "Password" is the member-generated code used during the initial sign-on, or
the codes you select after the initial sign-on, that establishes your connection to the service.
• "Time of day" references are to Central Standard Time or Central Daylight Time, as applicable.
• "Transaction date" means that day, unless after 3:30 p.m., or on a weekend or holiday in which
 case it means the next business day.
• Any "We", "Us", or "Credit Union" refer to St. Luke’s Credit Union which
offers the services, and which holds the accounts accessed by the services.
• "Authorized use" is use of the system by anyone using your "security code",
who you have given the "security code", or to whom you have made the "security code" available.
• “You” and “yours” refers to those who sign the Credit Union Membership
Application and account agreement.
• “Account” means any one or more share or checking accounts you have with SRPCU.
• “Electronic funds transfers” (EFTs) means transfers involving your asset
accounts at SRPCU that are done through an electronic terminal, telephone, magnetic tape or computer.


In order to subscribe to the service, you must have an open account with SRPCU.
You may include other accounts such as checking, savings, or loan accounts.


Technical Requirements. In order to use the service, you will need access to the
Internet through Internet Explorer version 6.0 or greater. Failure of your equipment
to access the Internet, or any failure on your system that causes a problem with
your transactions are risks that are accepted by you. We will make an effort to
assist you in determining whether there is a system incompatibility problem
between your system and ours, but ultimately the problems with any incompatibility
is a responsibility you accept.
No Liability. We are not responsible for any error, damage or other loss you may
suffer due to the malfunction or misapplication of any software or system you use,
including without limitation, any web browser, any Internet Service Provider, or any
equipment you may use, including, without limitation, telecommunication’s facilities,
computer hardware and modem. You are solely responsible for the set-up and
maintenance of your computer, modem, or other access devices. Except as
specifically required in this Agreement or by applicable law, you agree that we will
not be liable for any damage, whether direct, indirect, special or consequential or
otherwise, including economic, property, personal, or other loss or injury whether
caused by hardware or system wide failure, whether due to a virus or other
disabling routine, or otherwise, or resulting from the installation, use, or
maintenance of the equipment, or other items necessary to access or use the service.


The Service is available 24 hours a day, seven (7) days a week, except during
maintenance periods.


You will gain access to your online accounts through the use of your Internet-enabled
device, your Internet Service Provider, your account number and your PIN. On
your initial visit, you will be prompted to change your PIN.
At this time, you may use the service to:
• Transfer funds between your savings and checking accounts.
• Transfer funds from savings or checking to make credit union loan payments.
• Review account balances and transaction history for your savings,
checking, Christmas club, and Vacation club including dividends received on accounts.
• Review information on your loan account including payoff amounts, due
dates, finance charges and balance information.
Transactions involving your deposit accounts will be subject to the terms of your
Membership and Account Agreement, as applicable.


You agree not to allow anyone to gain access to the services or to let anyone know
your security code used with the services. In order to protect yourself against
fraud, you need to adhere to the following guidelines:
• Do not give out your account information, security code, or member number.
• Do not leave your PC unattended while you are using the online credit union service.
• Never leave your account information within range of others, and
• Do not send privileged account information (account number, security code,
etc.) in any public or general e-mail system.
If you authorize anyone to use your password that authority shall continue until you
specifically revoke such authority by notifying the Credit Union. If you fail to
maintain the security of your password and Credit Union suffers a loss, we may
terminate your electronic funds transfer and account services immediately in
addition to any other remedies available to us.


If your PIN has been lost or stolen, call the Credit Union immediately at (816) 360-5209
between the hours of 9:30 a.m. to 3:30 p.m. (Central Time), Monday through
Friday. Telephoning the Credit Union is the best way of minimizing your losses. If
you believe your security code has been lost or stolen and you tell us within two (2)
business days after you learn of the loss or theft, you can lose no more than $50 if
someone uses your security code without your permission. If you do NOT tell us
within two (2) business days after you learn of the loss or theft of your security
code, and we prove we could have stopped someone from using your security code
without your permission if you had told us, you could lose as much as $500. If you
believe your security code has been lost or stolen, please use the security code
change feature within the SRPCU Online Banking section of the Web site to change your
security code. If you find that someone has changed your security code, call us
immediately so that unauthorized transactions may be stopped.


A. Fund Transfers and Account Information.
1. Internet Credit Union Service. You may use the service to: (i) transfer funds
between your Accounts that are checking, savings, or loan accounts; and (ii) view
current balance information for your accounts. The Credit Union does not accept
responsibility for any such conversion utility, nor does it promise to continue to
make this service available in the future.
2. Fund Transfers; Authorization. You may transfer funds between your accounts
that are checking or savings deposit accounts in any amount equal to or greater
than $1.00 and less than $10,000. When you authorize a fund transfer using the
service, you authorize us to follow the transfer instructions and transfer the funds
from the designated originating account to the designated recipient account. The
"transaction date" is the date that the fund transfer is actually made. We deduct
the amount of your fund transfer from the designated originating account on the
transaction date. We may refuse to act on your fund transfer instruction if
sufficient funds, including funds available under any overdraft plan, are not available
in your account on the transaction date. Funds transferred to the designated
recipient account will be deemed deposited on the transaction date and will be
available thereafter in accordance with our funds transfer availability policy.
3. Account Information. The account balance shown will be current as of 4:00pm
on the last business day open. The account balance may include deposits still
subject to verification by us and may not include deposits or loans in progress,
outstanding checks or payments, or other withdrawals, payments, credits, or charges.
4. Limits and Transfers from Accounts. Federal regulations limit the number of
certain types of transfers from savings deposit accounts. You are limited to six (6)
transfers per month. Each fund transfer through the service from your savings
deposit account is counted as one (1) of the six (6) transfers you are permitted
each month. Your ability to transfer funds from various accounts is subject to the
Account Agreements and fee’s where applicable. You should refer to these
agreements for legal restrictions and service charges applicable for excessive
withdrawals and transfers. Transactions involving your deposit accounts will be
subject to the terms of your Membership and Account Agreement, as applicable.
The following limitations on transactions may apply:
You may make funds transfers among your accounts within the same member
number as often as you like, with the following limitations:
• Transfers from your savings accounts will be limited to three (3)
withdrawals in a quarter. All transfers or withdrawals of 4 or more will be charged a $1.00 fee.
5. New Services. New services may be introduced for SRPCU’s Online Banking from time
to time. The Credit Union will notify you of the existence of these new services. By
using these services when they become available, you agree to be bound by the
rules that will be made available to you concerning these services.
6. Electronic Mail (E-Mail).
If you send the Credit Union an e-mail message, the Credit Union will be deemed to
have received it on the following business day. The Credit Union will have a
reasonable time to act on your e-mail. You should NOT rely on e-mail if you need to
communicate with the Credit Union immediately. We request that you do not send
us or ask for sensitive information such as account numbers, password, and
account information, etc. via any general or public E-mail system.
7. Fee Schedule.
The Credit Union offers the benefits and convenience of SRPCU’s Online Banking to you free.
8. Statements.
You can now receive your statement through electronic means or continue to
receive your regular account statement by mail, either monthly or quarterly,
depending on the type of account. If your statement shows transfers that you did
not make, notify the Credit Union immediately by calling (816) 360-5209, 9:30 a.m.
to 3:30 p.m. (Central Time), Monday through Friday or writing the Credit Union at:
SRPCU, 425 Volker Blvd, Kansas City, MO 64110. If you do not notify the Credit Union
within sixty (60) days after the statement date, you may not recover any money lost
after the sixty (60) days which would not have been lost if the Credit Union had been
notified in time. Exceptions will require Management approval.
9. Your Responsibility.
In case of errors or questions regarding a SRPCU Online Banking transaction, call
(816)360-5209, 9:30 a.m. to 3:30 p.m. (Central Time), Monday through Friday or write
the Credit Union at: SRPCU, 425 Volker Blvd, Kansas City, MO 64110. We must be
notified by you at the telephone number or address, listed above, no later than
sixty (60) days after we provided you the FIRST statement on which the problem
or error appeared. We will need:
• Your name and account number
• A description of the error or the transfer in question and an
explanation concerning why you believe it is an error or need
more information
• The dollar amount of the suspected error and date on which it
If the report is made orally, we will require that you send the complaint or question
in writing within twenty (20) business days. We will notify you with the results of the
investigation within ten (10) business days and will correct any error promptly. If
more time is needed, however, we may take up to forty-five (45) days to
investigate a complaint or question.
If an alleged error involves an electronic fund transfer outside a state or territory or
possession of the United States, the applicable time periods for action by us is
twenty (20) business days (instead of ten (10) and ninety (90) calendar days
(instead of forty-five (45).
If we determine that no error occurred, we will send you a written explanation within
three (3) business days after the investigation is completed. You may request
copies of the documents that were used in the investigation.
10. Our Responsibility.
If we do not properly 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 the
amount of any losses or damages incurred by you and resulting directly from such
failure. We will not be liable in the following instances:
• If through no fault of the Credit Union, you do not have enough
money in your account to make the transfer.
• If circumstances beyond our control (such as fire, flood, power
outage, equipment or technical failure or breakdown) prevents
the transfer despite reasonable precautions that we have
• If there is a hold on your account, or if access to your account is
blocked, in accordance with credit union’s policy.
• If your funds are subject to legal process or other encumbrance
restricting the transfer.
• If your transfer authorization terminates by operation of law.
• If you believe someone has accessed your accounts without your
permission, and you fail to notify the Credit Union
• If you have not properly followed the instructions on how to make a
transfer included in this Agreement.
• If we have received incomplete or inaccurate information from you or
a third party involving the account or transfer.
• If we have a reasonable basis for believing that unauthorized use of
your Password or account has occurred or may be occurring
or if you default under this Agreement, the deposit account
agreement, a credit agreement or any other agreement with
us, or if we or you terminate this Agreement.
There may be other exceptions stated in this Agreement and in other agreements
with you. In no event shall we be liable for damages in excess of your actual loss
due to our failure to complete a transfer, and we will not be liable for any incidental
or consequential damages.
If any of the circumstances listed above occur, we will assist you with reasonable
efforts in taking appropriate corrective action to reprocess the transactions that
may not have been completed or to reverse incorrect transactions that have been
11. Virus Protection.
The Credit Union is not responsible for any electronic virus or viruses that you may
encounter. We suggest that you routinely scan your PC using a virus protection
product. An undetected virus may corrupt and destroy your programs, files, and
your hardware.
12. Disclosure of Information to Third Parties.
We will disclose information to third parties about your account or transfers you make:
• where it is necessary for completing transfers.
• in order to verify the existence and condition of your account for a third
party, such as a credit bureau and affiliated companies.
• in order to comply with government or court orders, or other reporting requirements.
• if you give us your written permission, where through action of your own,
information about your account has been put onto the Internet in an insecure manner.
13. Inactivity; Termination.
You are responsible for complying with all the terms of this agreement and with the
terms and conditions agreement and all other disclosures governing the deposit
accounts which you access using electronic credit union services. We can
terminate your electronic banking privileges under this agreement without notice to you if:
• You do not pay any fee required by this agreement when due.
• You do not comply with the agreement governing your deposit or loan
accounts, or your accounts are not maintained in good standing.
We will promptly notify you if we terminate this agreement or your use of this
service for any reason except when placed in an inactive status. If you do not
utilize this service at a minimum of every one hundred and twenty (120) days (or
every 4 months) your account will be placed in an inactive status. If your account
is considered inactive, you must contact the Credit Union to have this service
reactivated before you will be able to schedule any transaction through the service.
To cancel the SRPCU Online Banking Service, you must notify the Credit Union and
provide your signed and printed (if in writing) name; address; account number; and
the effective date to stop this service. You may notify the Credit Union by one of
the following methods:
• By calling (816) 360-5209, 9:30 a.m. to 3:30 p.m. (Central Time), Monday through Friday.
• By writing a letter and sending it to the following address, SRPCU, 425 Volker Blvd,
Kansas City, MO 64110.
• By giving it to an employee at any Credit Union location.
14. Governing Law.
This Agreement is governed by the laws of the State of Missouri and applicable to
federal law. 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. This Agreement shall be governed by and construed under the laws of the
State of Missouri. In the event either party brings a legal action to enforce the
Agreement or collect any overdrawn funds on accounts accessed under this
Agreement, the prevailing party shall be entitled, subject to Missouri law, to
payment by the other party of its reasonable attorney's fees and cost, including
fees on any appeal, bankruptcy proceedings, and any post-judgment collection
actions, if applicable. Should any one or more provisions of this Agreement be
determined illegal or unenforceable in any relevant jurisdiction, then such provisions
may be modified by the proper court, if possible, but only to the extent necessary
to make the provision enforceable and such modification shall not affect any other
provision of this Agreement.