HORIZON FEDERAL CREDIT UNION

This agreement establishes the rules that cover your electronic access to your account(s) at Horizon Federal Credit Union ('Credit Union') through Horizon@Home online system. You will be bound by this Agreement when you enroll in Horizon@Home. You also accept all the terms and conditions of this Agreement by using Horizon@Home. Please read it carefully and retain for your records.

This Agreement is also subject to applicable federal laws and the laws of the State of Pennsylvania (except to the extent this Agreement can and does vary from such rules or laws). If any provisions of this Agreement are found unenforceable or invalid, all remaining provisions will continue in full force and effect. The headings in this Agreement are for convenience and reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party or any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and the Credit Union’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation or expiration of this Agreement shall survive termination, cancellation, or expiration of this Agreement. This Agreement, together with the Membership and Account Agreement constitutes the entire agreement between you and the Credit Union with respect to the subject matter hereof and there is no understanding or agreements relative hereto which are not fully expressed herein.

The words 'you', 'your', and 'yours' refer to the Horizon Federal Credit Union member(s) jointly and severally. The words 'we', 'us', 'ours', 'Horizon' and 'Credit Union' refer to Horizon Federal Credit Union. This Agreement and Disclosure Statement (hereinafter 'Agreement') explains and describes the types of Electronic Funds Transfers which are available to you with Horizon@Home online system. This Agreement also contains your rights and responsibilities concerning transactions that you make through Horizon@Home, including your rights under the Electronic Funds Transfer Act.

To qualify for access to the Horizon@Home online system, you must be a Credit Union member in good standing. Horizon@Home may not be accessible to Business and Organizational accounts. Other conditions may apply.

Enrolling for Horizon@Home
The member account number, address and the Social Security Number are required for initial enrollment to Horizon@Home.
Users will create a Logon ID and Security Code.
Logon Id’s can be between 6 and 50 alphanumeric characters.
Security Codes can be between 8 and 16 alpha numeric characters. A minimum of 2 numeric and 2 alpha characters is required.

You accept responsibility for periodically changing your LOGON ID and protecting the integrity of the Logon ID to protect unauthorized transactions and account access. Granting access to your account via Horizon@Home to any non-owner will make you financially liable for all losses or misuse of your account(s).

Fees:
There is currently no fee for accessing your account(s) through our Horizon@Home service. We reserve the right to implement a fee as required by applicable federal and/or state regulations and in such case, we will notify you as soon as possible. If at any time, you choose to discontinue using Horizon@Home, you must notify us in writing.

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.

HORIZON@HOME
You may reach the Online system at www.horizonfcu.org. You can use Horizon@Home 7 days a week, 24 hours a day, 365 days a year, although some or all of the Horizon@Home services may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID is required to access Horizon@Home. You can perform the following transactions on ALL ACCOUNT(S) TO WHICH YOU ARE AUTHORIZED AND HAVE BEEN GIVEN ACCESS TO:

  • Account Balances: Obtain balances and other account information of share/savings and draft/checking accounts in addition to share certificates, IRA’s and loans. Horizon@Home may NOT support information regarding Master Card credit card accounts.
  • Transfers: You may make transfers between share/savings, draft/checking and loan accounts.
  • Check Withdrawals: You may request a check be mailed to you from your account.
  • Transaction history: You may view 200 days of share/savings transaction history , 90 days of draft/checking history, 18 months of certificate history, 18 months of open end loan history, and closed end loan history for the life of the loan.
  • View Check Images: You may view and print images of paid checks that have cleared your account.
  • Check orders: You may reorder checks and/or view and order new check styles available through Deluxe Check Printers and the credit union.
  • Additional Services: From time to time, we will announce additional services which are available through Horizon@Home. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

Protecting Children's Online Privacy:
We do not knowingly collect, nor is our Home Banking site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.

INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS
You authorize us to obtain any information deemed necessary to process your request for access to Horizon@Home. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:

  • Where it is necessary for completing or documenting transactions or resolving errors involving transactions.
  • In order to verify the existence and condition of your designated account(s).
  • In order to comply with orders or subpoenas of government agencies or courts.
  • If you give us written permission.

OUR BUSINESS DAYS
Our business days are Monday through Friday, other than legal banking holidays.

OUR RULES AND REGULATIONS AND OTHER AGREEMENTS
Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as wll as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

EVIDENCE
If we go to court for any reason, we can use a copy, microfilm, microfiche, or photograph of any document or person to prove what you owe or that a transaction has taken place and the copy, microfilm, microfiche or photograph will have the same validity as the original.

COLLECTION EXPENSE
If we ever have to file a lawsuit to collect what you owe us, you will pay our reasonable expenses, including attorney fees.

LIMITATIONS ON TRANSFERS
Federal regulations limit transfers for share/savings accounts and money market accounts, if applicable. During any statement period, you may not make more than six (6) withdrawals or transfers to another Credit Union account of yours or to a third party by means of a pre-authorized or automatic transfer. This includes transfers by phone, fax, wire and cable, audio response, overdraft transfers to checking and Internet instruction. No more than three of the six transfers may be made by check, draft or debit card, or similar order to a third party. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH). If you exceed the transfer limitations set forth above in any statement period the transfer may not be completed, your regular share account and draft account may be subject to a fee, account closure, or suspension or we may revoke your access to Horizon@Home. We will not be required to complete a withdrawal or transfer from your account(s) if you do not have enough money in the designated account(s) to cover the transaction; however, we may complete the transaction. You agree not to use Horizon@Home to initiate a transaction that would cause the balance of your designated account(s) to go below zero. If you have a line-of-credit, you agree not to use Horizon@Home to initiate a transaction that would cause the outstanding balance of your line-of-credit to go above your credit limit. We will not be required to complete such a transaction, but if we do, you agree to pay us the excess amount or improperly withdrawn amount or transferred amount immediately upon our request. We also will refuse to complete your Horizon@Home transactions if we have canceled your Horizon@Home access, or we cannot complete the transaction for security reasons.

The functions and limitations of Horizon@Home may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership.

Statements:
Your periodic statement will identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate an electronic transaction.

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 we have terminated this Agreement
  • A legal order directs us to prohibit withdrawals from the account(s)
  • The funds in your account are subject to legal process or other encumbrance restricting the transaction.
  • You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password.
  • If your account is closed, frozen or funds are uncollected.
  • If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan.
  • If other exceptions are introduced as provided by applicable law.
  • If the online 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.

Liability for unauthorized transactions:
You will be liable for unauthorized access to accounts via Horizon@Home to the extent allowed by applicable federal and state law. You must tell us AT ONCE, if you believe your Member number or Logon ID, or any record thereof, has been lost or stolen, or if any of your accounts have been accessed without your authority. You may telephone us at 570-326-3636, E-mail us at horizon@horizonfcu.org or mail to HORIZON FEDERAL CREDIT UNION, 1007 EAST THIRD STREET WILLIAMSPORT, PA 17701. Telephoning is the best way of minimizing your liability. You could lose all the money in your accounts. If you tell us within two (2) business days of the loss, theft, or unauthorized access, you can lose no more than $50 if someone accessed your account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized access, and we can prove we could have stopped someone from accessing your account without permission if you had notified us, you could lose as much as $500.

Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not receive any money you lost after the 60 days if we can prove that we 'could' have stopped someone from taking the money if you had notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Notices:
All notices from us will be effective when we have mailed them or delivered them to the last known address in the Credit Union’s records. Notices from you will generally be effective once we receive them at Horizon Federal Credit Union, Attention: Horizon@Home, 217 West Bald Eagle Street, Lock Haven, Pa 17745. Notices regarding Liability for Unauthorized Transactions will be effective once you have done whatever is reasonably necessary to give us the information we need, such as by telephoning us.

Errors and Questions:
In case of errors or questions about your electronic transfers, telephone us at the number below, E-mail us at horizon@horizonfcu.org, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.

570-326-3636
Horizon Federal Credit Union
Attention: Horizon@Home Service
1007 East Third Street
Williamsport, PA 17745

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.

CHANGING THIS AGREEMENT
We may change any term of the Agreement at any time. If the change results in increased fees for any services, increased liability for you, fewer types of available electronic fund transfers, or stricter limitations on the frequency or dollar amount of transfers, we agree to give you notice of at least 21 days before the effective date of any such change, unless any immediate change is necessary to maintain the security of an account, or our electronic fund transfer system, or for any security reasons. We will post any required notice of change in terms in the quarterly newsletter, on our web site, personal E-mail, or postal mail. If advance notice of the change is not required, and disclosure does not jeopardize the security of the account or our electronic fund transfer system, we will notify you of the change in terms within 30 days after the change becomes effective. Your continued use of any or all of the subject system services indicates your acceptance of the change in terms. We reserve the right to waive, reduce, or reverse charges or fees in individual situations. You acknowledge and agree that the applicable deposit agreements and disclosures govern changes to fees applicable to specific accounts.

TERMINATING THIS AGREEMENT
You can terminate this Agreement at any time by notifying us in writing and by discontinuing the use of your LOGON ID. We can also terminate this Agreement and revoke access to Horizon@Home at any time. Whether you terminate the Agreement or we terminate the Agreement, the termination will not affect your obligations under this Agreement, even if we allow any transactions to be completed with your LOGON ID after this Agreement has been terminated.