Terms and Conditions

Welcome to BPECU-ONLINE

Below are the terms and conditions for the BPECU-ONLINE applications and program.

Introduction
This agreement and disclosure specifically governs the BPECU-ONLINE, 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 ords ?You?, ?Us?. ?Our?, ?BPECU? and ?Credit Union? mean Bloomington Postal Employees Credit Union and the words ?The Service? refer to the BPECU-ONLINE Service.

You agree to be bound by all the terms and conditions contained herein and are in addition to the terms and conditions found in our BPECU?s other membership and account agreement brochures. You further agree to abide by any terms and conditions, which may be added because of our future enhancements to BPECU-ONLINE.

BPECU-ONLINE'S Terms and Conditions
BPECU-ONLINE is a banking service that lets you manage your finances right online. It provides you access to your account 24-hours-a-day from anywhere in the US, via the Internet.

Through BPECU-ONLINE you can access your accounts online to check balances, review transactions, transfer funds, and obtain loan balances. Loan advances must be requested by contacting the credit union directly by calling us at 309-663-5841 or by stopping by the office.

Services
Except as otherwise provided for herein using your personal computer (PC) and your designated user ID and security code, you can access BPECU-ONLINE 24 hours a day, seven days a week.

Security and Protecting Your Account
BPECU is strongly committed to protecting the security and confidentiality of our member account information. We use state of the art technology in the ongoing development of its BPECU-ONLINE to insure security.

Security Code Issuance
Upon registration, a User ID and Security code will be issued. It is the responsibility of the customer to change the security code immediately.

Your Responsibility

Not to give your identifying information such as PC password to any other person.
Never to leave your account information displayed in an area accessible by others.
Never leave your PC unattended while using BPECU-ONLINE.
To always exit and sign off the system properly.
To Notify the BPECU at 309-663-5841 immediately if you suspect that your password has become known to any unauthorized person.
That you understand that by using BPECU-ONLINE you have agreed to the terms and conditions of this agreement.
To use BPECU-ONLINE solely as provided in this agreement.
That BPECU may download certain information to your computer or other access device, including customer identification information.
To properly maintain any accounts you have with BPECU to comply with the most recent membership account agreement information brochure governing these accounts.
To pay any fees incurred by the use or maintenance of your accounts.

Member Liability
If you fail to maintain security of your User ID and security code and the Credit Union suffers a loss, we reserve the right to terminate service to you under this agreement, as well as to terminate other deposit and loan services. BPECU will not be responsible for any losses you suffer due to your failure to maintain the security of your User ID and security code. Users of the service should use such other security code protection precautions as may be appropriate under particular set of circumstances to ensure proper security over system access to account and transaction information.

Fees and Charges
There is no fee for this service. There is no fee for termination thereof. However, BPECU reserves the right to impose fees or to subsequently change any fee structure with or without notice as required by law.

Other Limitations of Liability
Only browsers listed on the BPECU-ONLINE Web Site are acceptable. You are solely responsible for the selection, installation, maintenance and operation of your personal computer, and software. BPECU expressly disclaims any and all liability as relates to improper use of your personal computer and the transmission of data. BPECU is not responsible for any errors or failures due to any malfunctions of your personal computer or software, or unsuitability of software or any virus, or any problems that may be associated with the PC or any Internet service. BPECU will notify you of any changes to software and hardware requirements needed to access this service within an acceptable period. If you do not agree to the changes, you may terminate the service.

Termination of Agreement and Services
You may cancel this agreement and terminate your service with BPECU at any time by notifying the Credit Union orally or in writing and discontinue use of the service. The Credit Union may terminate its service and this agreement and disclosure at any time by giving you advance notification via e-mail.