• View current savings, checking or loan balances plus histories.
• Print out account information.
• Transfer funds between your accounts.
• Find out what checks have cleared.
• View the amount of your direct deposit.
• Make loan payments.
• Pay your bills online using the Bill Payment option.

Transfer Transactions
Transfers will be immediately available to you the day you make the transfer. You can only make transfers from accounts that have sufficient available funds to cover the transfer amount.

In Case Of Errors Or Questions About Your Electronic Transactions
Contact us immediately if you believe:

If we conclude that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may ask for copies of the documents we used in our investigation. If we have credited your account with funds during our investigation, you will repay those funds to us if we conclude that no error occurred.

Failure To Make Transfers
We may not complete a transaction to or from your accounts on time or in the correct amount as a result of the following:

1. Through no fault of ours, you do not have enough money in your account to make the transaction.
2. The transaction would go over the credit limit on your credit line.
3. The network system was not working properly.
4. Circumstances beyond our control (such as fire, flood, power failure, computer down-time, or natural or manmade disaster prevented the transaction.
5. The money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or agreement restricting a transaction.
6. Your PIN (password) has been entered incorrectly.
7. The Payee mishandles or delays a payment sent by our bill payment service provider.
8. You have not provided our bill payment service provider with the correct names, addresses, phone numbers, or account information for those persons or entities to whom you wish to direct payment.
9. The failure to complete the transaction is done to protect the integrity of the system or to protect the security of your account.
10. We have reason to believe that the transaction is not authorized.
11. You have exceeded the maximum transaction amount.
12. There may be other exceptions not specifically mentioned above.

Right To Receive Documentation Of Transactions
You will receive an account statement reflecting all of your transactions unless there is no activity. In any case you will receive a statement at least quarterly.

Email and Address Change
You are required to keep the Credit Union informed of your current email address and mailing address to insure correct mailing of monthly statements.

Amendments
The Credit Union may change the terms and conditions of this Agreement from time to time by mailing written notice to you at your address as it appears on our records (This notice may be included with or on your statement). If any change results in greater cost or liability to you or decreases access to your accounts, you will be given at least twenty-one (21) days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of our Online Banking Services or designated accounts.

Reservation Of Rights
Failure or delay by the Credit Union to enforce any provisions of this Agreement or to exercise any right or remedy available under this Agreement, or at law, shall not be deemed a waiver and the Credit Union expressly reserves the right to enforce such provision, or to exercise such right or remedy, at a later date.

Severability
If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.

Termination
You may terminate the services provided in this Agreement with us at any time by notifying us in writing. The Credit Union reserves the right to terminate this Agreement and/or your use of Internet Online Banking Services or Bill Payment with or without cause. We may do so immediately if:

1. You or any authorized user of your account breaches this or any other agreement with the Credit Union.
2. We have reason to believe that there has been or might be an unauthorized use of your account.
3. The Online banking and/or Bill Payment service is no longer being offered.
4. You do not follow the Agreements (or the Credit Union incurs a loss) for the various products and services offered by the Credit Union.
5. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions before termination.

Collection Costs
You agree to pay the Credit Union our reasonable expenses, including court costs and attorney's fees, for enforcing our rights under this Agreement.

Disclosure Of Account Information
Under the following circumstances, we may disclose information about your account or transactions to third parties:

1. When it is necessary to complete your transaction.
2. To verify the existence and standing of your account with us at the request of a third party, such as a credit bureau or merchant.
3. To comply with court orders or government or administrative agency summonses, subpoenas, orders, examination and escheat reports.
4. In accordance with your written permission.
5. On receipt of certification from a Federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978.
6. On closed accounts, if we reasonably believe you have mishandled it or if you owe fees or other funds to us.

Additional Benefit Enhancements
The Credit Union may from time to time offer additional services to you in connection with your accounts. Some services may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

Okaloosa County Teachers Federal Credit Union's Bill Payment Service

Transactions Available
You may use Bill Payment to perform the following transactions:

• Add/Edit Merchants: Merchant refers to the entity to which you pay bills. The merchant can be a company, organization, or individual. The Add/Edit Merchant feature allows you to add merchants, delete merchants from, or edit merchant information on your personal list of merchants.
• Make nonrecurring payments from your checking account: This feature allows you to schedule one-time payments to merchants. It also enables you to specify the amount of the payment and the processing date.
• Make recurring payments from your checking account: This feature allows you to schedule recurring payments to merchants.
• View History: View History permits you to see payments made over a specified time period.
• View Pending Payments. With this feature, you can verify and correct payment information prior to payment processing.

Limitations On Transactions
The following are limitations to the use of the Credit Union's Bill Payment service:

• The maximum transaction amount must be less than $10,000 during any 24-hour period.
• Bill payments can only be made from your checking account.
• Payments cannot be made for tax payments, court-ordered payments or payments to payees outside of the United States.
• If you close the designated bill payment account, all scheduled payments will be stopped.
• You cannot stop a payment if the payment has already been processed except in the event the check has not cleared.
• You can schedule payments 24 hours a day, seven days a week. However, payments scheduled on a Saturday, Sunday, or holiday will be processed within one to two business days.

Methods And Restrictions
Payments are made to your payee either electronically via the Automated Clearing House (ACH) or by check or laser draft. The method of payment depends upon the processing method that can be accommodated by the payee or by our Bill Payment service provider.

It is important that you take into consideration what method of bill payment will be used when scheduling bill payments to ensure payment deadlines are met. If the payee accepts electronic bill payment, the payment may take up to four business days to process. If the payee does not accept electronic bill payment, the payment will be sent in a check form, and may take ten business days or more to process. The Credit Union will not be liable to you for any damages (including, but not limited to, actual, direct, indirect, special, or consequential damages) because a bill payment was not made in a timely manner.

Member Responsibilities
You are responsible for:

• Any late payments, late fees, interest payments, and service fees charged by merchant(s).
• Data input of payee information (payment amount(s), name, address and any other pertinent information)
• Written notification to the Credit Union in the event you wish to cancel this service.
• You must allow sufficient time for bill payments to be processed so that the funds can be delivered to the merchant on or before the due date.

In Case Of Errors Or Questions About Your Bill Payment Transactions
Telephone the Bill Payment customer service department at (850-682-2225) or write to us at Okaloosa County Teachers Federal Credit Union, 1126 N Ferdon Blvd., Crestview, FL 32536. If the information you receive indicates an error, you must write to us within sixty (60) days after we sent the FIRST statement on which the problem or error occurred.