HOME BANKING SERVICES - TERMS AND CONDITIONS

The following terms and conditions govern the manner in which Alliance Credit Union, hereafter referred to as Us, We, Our, will provide Virtual Branch Home Banking Services, hereafter referred to as Services, to You:

Our Member Service Information
Our Call Center is available at 636-343-7005 Option 0 during the following hours:

  • 8:30 AM to 5:30 PM Monday through Friday
  • 8:30 AM to 12:30 PM Saturdays

Mail may also be addressed to:

  • Alliance Credit Union
  • 1280 S Highway Dr
  • Fenton, MO 63026

Services
You authorize Us to utilize IntegraSys to provide the Services to You on Our behalf.

We reserve the right to refuse to make any transfer.

Transfer Services
You may use Virtual Branch to:

  • Transfer funds between Your checking and savings account (and vice versa)
  • Transfer funds from Your checking or savings account to make loan payments (excluding certain types of mortgage loans)
  • Make loan advances from line of credit to Your checking or savings account
  • Obtain balance information on all Your accounts
  • Obtain account histories on all Your accounts

Funds will arrive at Your targeted Account as close as reasonably possible to the date designated by You in Your transfer instruction. Subject to the terms and conditions of this Agreement, You authorize Us to choose the most effective method to process Your transfer. For each properly instructed transfer to a targeted Account You will receive a transaction confirmation number (Confirmation Number).

UNLESS YOU RECEIVE A CONFIRMATION NUMBER, WE SHALL NOT BE LIABLE FOR ANY FAILURE TO MAKE A TRANSFER, INCLUDING ANY FINANCE CHARGES OR LATE FEES INCURRED AS A RESULT.

Limitation
Under no circumstances will We be liable if We are unable to complete any transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

  1. You do not obtain Confirmation at the time You initiate a payment and/or transfer.
  2. The designated Account does not contain sufficient funds to complete the payment and/or transfer.
  3. You have closed the designated Account.
  4. We have identified You as a credit risk and have chosen to (i) make all transfers initiated by You via the Services utilizing a paper, as opposed to electronic, method, or (ii) to terminate Your subscription to the Services.
  5. The Services, Your equipment, the software, or any communications link is not working properly and You know or have been advised by Us about the malfunction before You execute the transaction.
  6. You have not provided Us with the correct information for those Accounts to which You wish to make a transfer.
  7. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and We have taken reasonable precautions to avoid these circumstances.

WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.

Payment Cancellation/Modification
Except for those transfers which are completed immediately, You may cancel or modify a transfer up to 2:00 p.m. Central Standard Time (CST) the same Business Day You schedule for transfer.

Statements
All transfers made via the Services will be listed on Your monthly Account statements (Statement) that you receive from Us.

New Services
We may, from time to time, introduce new services or enhance the existing Services. We shall notify You of the existence of these new or enhanced services. By using these services when they become available, You agree to be bound by the obligations concerning these services, which will be sent to You.

Care of Your Security Code and Security
You agree that You will not give your Services security code (Security Code) or make it available to any other person. If You believe that Your Security Code has been lost or stolen, or that someone has made transfers using Your Security Code without Your permission, notify Us IMMEDIATELY by phone any time during business hours or send an electronic message through the Service.

If your Statement contains transfers that You did not make, notify Us IMMEDIATELY. If You do not notify Us within sixty (60) days after the Statement was mailed to You, You may not get back any of the money You lost 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 (such as a hospital stay or other severe hardship) prevented You from telling Us, We may at Our discretion, extend the time. Promptly telephoning Us is generally the best way of keeping your possible losses down.

Errors and Questions
Contact Us as soon as possible at either the address or telephone number described above if You think that a transfer listed on Your statement is in error or if You need more information about a transfer listed on the Statement. We must hear from You no later than sixty (60) days after You received the first Statement on which the problem or error appeared.

When You call or write Us, You must:

  1. Tell Your name and Log on ID.
  2. Describe the transfer You are unsure about (Account information, Transaction Date, Transaction Amount) and explain as clearly as You can why You believe it is an error or need more information. Provide Us with the Confirmation Number for such transaction.
  3. Tell Us the dollar amount of the suspected error. If You tell Us orally, or by using the Services' electronic mail, We will require that You send Your complaint in writing within ten(10) Business Days. We will tell You the result of Our investigation within ten (10) Business Days after We receive Your complaint and will correct any Services error promptly. If We need more time, We may take up to forty-five (45) days to investigate the complaint or question. If We decide to do this, We will give provisional credit to Your Account within ten (10) Business Days after we hear from you, for the amount You think is in error in order that You may have the use of the money during the time it takes to complete Our investigation. If We ask You to put Your question or complaint in writing and We do not receive it within ten (10) Business Days, We may not provide provisional credit to Your Account.

If We decide that there was no error, We will mail or transmit to You a written explanation within three (3) Business Days after We have completed the investigation, and within ten (10) Business days of the date of such explanation, We will debit Your account in the amount of provisional credit previously recredited to You for use during the time We took to complete Our investigation. You may ask for copies of related documents used during Our investigation.

Disclosure of Account Information to Third Parties
We will only disclose information to third parties about Your Accounts:

  1. When it is necessary for completing transfers;
  2. In order to verify the existence and condition of your account for a third party, such as credit bureau or merchant.
  3. In order to comply with a government agency or court order; or
  4. If You give us Your written permission.

Fee Schedule
You agree to pay Us the fees, if any, to be published by Us from time to time.

Additional Terms and Conditions

  1. In addition to the foregoing, You agree to be bound by and comply with applicable state and federal laws and regulations.
  2. We reserve the right to terminate Your use of the Services, in whole or in part, at any time without prior notice.
  3. You may cancel Your subscription to the Services, upon written notification to Us. You will be responsible for all transfers You have requested prior to termination of the Service and for all charges and fees that have been incurred.
  4. BE SURE TO CANCEL ALL OUTSTANDING TRANSFER REQUESTS PRIOR TO TERMINATION OF THE SERVICE. WE WILL NOT BE LIABLE FOR TRANSFERS NOT CANCELLED OR MADE DUE TO YOUR ACTIONS RELATED TO SERVICE TERMINATION.

  5. These Terms and Conditions, and applicable Services fees and charges may only be altered or amended by Us. In such event, We shall send notice to You at your listed address or transmit notice of the alteration or amendment over the Services e-mail system. Your use of the Services following such notice constitutes acceptance of such alterations or amendments.
  6. In the event of a dispute regarding the Services, You and We agree to resolve this dispute by looking to these Terms and Conditions and/or Our Electronic Funds Transfer (EFT) Disclosurewhich shall supersede any and all other representations made by You or Our employees.
  7. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Missouri.
  8. Business Days are Monday through Friday excluding normal banking holidays.

Additional Provision
Except as set forth in this Agreement, or in any later agreement concerning our Virtual Branch Home Banking Services, your membership agreement and disclosures for accounts previously provided to you (including the Electronic Funds Transfer Disclosure Regulation E) will govern all transactions and payments with respect to the Services described above. All funds transferred from a loan account will be subject to the applicable loan agreement and secured by any security agreement for accessing your loan proceeds.