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Introduction:
This page explains the terms and conditions
for using our E-Banking Service and provides certain disclosures
and information to you concerning the service. Each of your
accounts at U.S. Coast Guard Community Credit Union is also governed by the applicable
account disclosure/agreement and Truth In Savings disclosure
you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our E-Banking service, you
must have your account number and an E-Banking password. This
information is requested when you enter our E-Banking pages.
The password that is used to gain access to
your information should be kept confidential, just as you
would keep other PIN numbers and security codes confidential.
For your protection we recommend that you change your E-Banking
access password regularly. It is recommended that you memorize
this password and do not write it down. You are responsible
for keeping your password, account numbers and other account
data confidential. If you believe that your password may have
been lost or stolen, or that someone has transferred or may
transfer money between your accounts without your permission,
notify U.S. Coast Guard Community Credit Union at once at (410) 789-5420 .
You cannot use E-mail to initiate transactions,
change information or inquire on your account (s). We will
not respond to these types of requests via E-mail since we
cannot be certain we are corresponding with you. Please use
the appropriate functions within our E-Banking service, call
(410) 789-5420 or visit the credit union for these functions.
To get an initial password for the E-Banking
service, visit the credit union office or call us at (410) 789-5420 .
Fees:
There is currently no fee for accessing your account(s) through
our E-Banking service. We reserve the right impose / change
the fee amount, if necessary, after providing 30 days notice
to all users at the E-Banking login page and/or e-mail address.
Your Internet service provider (ISP) probably
charges you a fee to access the Internet via its server. We
have no control over ISP related fees.
Available Services and Limitations: The following
functions may be performed by members through the service:
- Transfers: You may transfer
funds between your Share or Loan Accounts as the account
agreements may allow. Transfers done through the service
DO NOT immediately charge or credit your account. TRANSFERS
WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE
OF SUCH TRANSACTION but may occur sooner.
- Account Balances: You may
view your share and loan account balances. Because the main
credit union computer system is not connected to the Internet,
it is possible that some transactions that affect these
balances, and have been processed by the credit union, are
not yet included in the balance at the time you view it.
In addition, there may be drafts written against your balance,
or other electronic items such as debit card transactions,
that have not yet been presented to the credit union for
payment.
- Transaction history:
You may view the transaction history for any loan or share
account. Because the main credit union computer system is
not connected to the Internet, it is possible that some
transactions are not yet included in the history at the
time you view it even though they may have been processed
by the credit union. The main credit union computer system
is always the official record of account history. The E-Banking
service may be updated several times per day for your convenience
in viewing account activity.
- Password Changes: If you
are an E-Banking user, you may change your password at any
time from within the E-Banking section. For your protection
we recommend that you change your E-Banking password regularly.
- Check orders: You may reorder
checks and/or view and order new check styles available
through the credit union. We will not process check order
requests if you do not have a checking account at the credit
union.
- Check search: You may search
for drafts that have cleared your account. You may also
list clearings by date cleared or by check number. The oldest
check available will vary but dates will go back, at a minimum,
to your last regular statement date.
- Additional Services: From
time to time, we will announce additional services which
are available through our E-Banking. Your use of these services
will constitute acceptance of the terms and conditions presented
at the time they are announced.
We reserve the right to limit access or cancel on-line access
at any time.
Business Day:
Our business days are Monday through Friday. Holidays are
not included.
Operating Systems and Security:
Our E-Banking site is designed to operate using world wide
web technologies and protocols which are adaptable to a wide
range of systems. The E-Banking section uses SSL encryption
and requires a browser with a current (unexpired) Thawte Root
CA Security Certificate. Some older browsers may not be able
to connect to the site without first updating the browser
security certificate. Our server uses 40 to 128 bit encryption,
depending on the user's browser.
We use cookies to help us administer the E-Banking
section. Some browsers allow you to reject cookies from servers.
If you don't allow us to set a cookie upon entering the site,
you will not be able to log in. The cookie we set contains
information we need for security, and allows us to 'time out'
your authority to view information. We place the cookie with
instructions that it can only be sent to a server in our E-Banking
domain (homecu.net). A cookie cannot be used to extract data
from your PC. We do not store your Access Code, User Id or
Password in your cookie.
The cookie we set will 'time out' your access
authority to our E-Banking section. Until it times out, you
can come back to our E-Banking without logging in. After the
time out period, you will need to log in again. Remember,
most browsers will let you use a BACK button to view previously
visited documents, even if your viewing authority has expired.
For this reason, the only way to keep others from viewing
your account balance is to exit the browser when you are finished
with your session. The best way is to completely close out
of the Internet entirely, so the next person to get on will
have to start with a new connection and a new browser. This
is especially important if you are using a public or shared
computer.
Privacy:
Our E-Banking database is a private system operated for the
exclusive use of our members. We use SSL encryption and digital
server authentication to insure the privacy of your information
when sending data between our E-Banking server and your PC.
All E-Banking logins are logged by the server.
For authenticated members who use E-Banking , we collect and
store certain information such as how often you visit the
E-Banking section, dates and times of visits and which pages
are being used. We use this information for internal review
and product evaluation only. We never sell, transfer or trade
this information unless we are compelled to do so by law.
We may gather and store additional information
available to us on failed login attempts and other activity
we consider a threat to our system. In these cases, we will
share this information with other companies, agencies and
law enforcement officials as we determine necessary or as
we are required by law.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost
or stolen and immediately change your password from within
the E-Banking section. Calling is the best way to notify us
immediately. You could lose all the money in your account.
If you tell us within two (2) business days, you can lose
no more than $50 if someone used your password without your
permission.
Also, if your statement shows 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 not get back any money you lost after the sixty (60) days
if we can prove that we could have stopped someone from taking
the money if you had told us in time.
If a good reason kept you from telling us,
we will extend the time periods.
If you believe your password has been lost
or stolen or that someone has transferred or may transfer
money from your account without your permission, call:
(410) 789-5420
or write:
U.S. Coast Guard Community Credit Union
2415 Hawkins Point Road, Baltimore, MD 21226
Statements:
All transactions generated by you through our E-Banking service
and any E-Banking fees will appear on your monthly or quarterly
statement.
Our Liability:
If we do not complete a transfer to or from your account on
time or in the correct amount according to our agreement/disclosure
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;
If the E-Banking equipment or software was not working properly
and you knew about the breakdown when you started the transfer;
If circumstances beyond our control (such as fire, flood or
power failure) prevent the transfer despite reasonable precautions
that we have taken.
We shall not be responsible for any other loss, damage or
injury whether caused by the equipment, software and/or the
E-Banking service, nor shall we be responsible for any direct,
indirect, special or consequential damages arising in any
way out of the installation, use or maintenance of your equipment,
software and/or service, except where the law requires a different
standard. We do not make any warranties concerning the equipment,
the software or any part thereof, including, without limitations,
any warranties of fitness for a particular purpose or warranties
of merchantability.
Errors and Questions:
In case of errors or questions about your
electronic transfers, telephone us at (410) 789-5420 or write
us at 2415 Hawkins Point Road, Baltimore, MD 21226 as soon as you can. We must hear from you
no later than sixty (60) days after you learn of the error.
You will need to tell us:
- Your name and account number
- Why you believe there is an error and the
dollar amount involved
- Approximately when the error took place.
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 and correct any error promptly.
If we need more time, we may take up to forty-five (45) days
to investigate the complaint, but you will have the use of
the funds in question after the ten (10) business days. 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 credit your account during the investigation.
We will notify you with the results within
three (3) business days of completing our investigation. If
we decide there was no error, we will send you a written explanation.
You may request copies of the documents that we used in our
investigation.
If you need more information about our error
resolution procedures, call us at the telephone number shown
above.
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