Space City Credit Union
Terms, Conditions, and Disclosures
For Internet VIRTUAL BRANCH® Home Banking Services
Table of Contents

In these TERMS, CONDITIONS, AND DISCLOSURES, the words "we", "us", and "our" refer to Space City Credit Union. The words "you" and "your" refer to each person or business applying for home banking services and each account owner or other person authorized to transact business on any Space City Credit Union account which may be accessed by way of the Space City Credit Union Internet VIRTUAL BRANCH® Home Banking Services (the "Services"). By using the Services or by authorizing anyone else to use the Services, you agree to these Terms, Conditions, and Disclosures and you authorize us and any third party acting on our behalf to serve as your agent in processing your requests. Your authorization will remain in effect until revoked by either you or us in writing. If you revoke your authorization, the revocation will not be effective until we have received your written revocation and we have had a reasonable time to act on it. In addition to these Terms, Conditions, and Disclosures, your use of the Services is subject to and governed by the Space City Credit Union Deposit Agreement and Disclosures including our Electronic Funds Transfer Services Agreement and Disclosures. Please refer to those agreements and the provision, which appears below for important information about your obligation to safeguard your Security Code.

You will need computer hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider and a browser that is SSL compliant, which includes Microsoft® Internet Explorer 5.X or greater or Netscape® Navigator 4.X or greater. We are not responsible for any 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 related to the Services. We will not 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 or the Services, except where the law requires a different standard.

We may, from time to time, introduce new Services or enhance the existing Services. We will notify you when these new or enhanced Services are available. By using these Services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you.

When you use the Services, you will have access to your Accounts via the Internet utilizing a user defined Security Code.
It is your responsibility to safeguard your Security Code. You agree to notify us immediately and to change your Security Code if you believe that either has been lost, stolen, or if you believe an unauthorized person knows your Code, PIN or password. You agree to take measures at all times to prevent any person from having access to your Security Code other than those to whom you provide your express authorization. If you provide your Security Code to any other person, you agree that you will instruct them to keep them strictly confidential. Any person having access to your Security Code will be able to access the Services and perform all transactions including reviewing account information and making transfers to other accounts and to other persons. Throughout the remainder of these Terms, Conditions and Disclosures, the term "Security Code" means your Security Code and your PIN.

Questions, other than questions about bill payment problems, should be directed to Space City Credit Union (713) 222-1244 (Member Services Department) or 1-800-762-3543 during business hours. Mail may also be addressed to:

  • Space City Credit Union
  • 3101 Harrisburg Blvd.
  • Houston, Texas 77003
  • Attn: Member Services Department

Or you may send an e-mail directly from the Internet VIRTUAL BRANCH Home Banking web site.

All payments and transactions made via the Services will be listed on your monthly account statement (the "Statement") that you receive from us.

We reserve the right to initiate fees for Internet VIRTUAL BRANCH and to change fees previously disclosed by mailing a notice to you 30 days in advance. You authorize us to deduct all Internet VIRTUAL BRANCH Home Banking fees from the deposit account. VIRTUAL BRANCH charges are separate from charges you incur for savings, checking and money market accounts. You are responsible for charges by any Access Service Provider.

Account Access:     $ No Charge


A. Your Liability for Unauthorized Transfers
If you believe your Security Code has been lost, stolen or compromised, telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit, if any). If you inform us within two business days, you can lose no more than $50 if someone used your Security Code without your permission.

If you do NOT inform us within two business days after you learn of the loss or theft of your Security Code and we can prove we could have stopped someone from using your Security Code without your permission if you had informed us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, inform us immediately. If you fail to inform 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 informed us in time.

If a good reason (such as a long trip or a hospital stay) kept you from informing us, we will extend the time periods.

B. Our Liability
Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance:

  • If you do not obtain Confirmation at the time you initiate a transfer or payment;
  • If, through no fault of ours, you do not have enough money in your Account to make the transfer or payment, or if your account has been closed;
  • If the transfer would go over the credit limit on your Overdraft Line of Credit, or Overdraft Privilege limit, (if approved);
  • If the transactions from your accounts are forbidden by a court order, such as garnishments;
  • If 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;
  • If 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;
  • If we have reasonable cause to believe that the transaction may be fraudulent;
  • There may be other exclusions stated in our agreement.

C. Resolution Notice
In case of errors or questions about Internet Virtual Branch Home Banking Transfers, call:

(713) 222-1244
or write:
Space City Credit Union
3101 Harrisburg Blvd.
Houston, Texas 77003
ATTN: Member Services Department

as soon as you can, if you think your statement is wrong 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 we send you the FIRST statement on which the problem or error appeared.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

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 determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. 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.

For errors involving new accounts we may take up to 90 days to investigate your complaint or question, and we may take up to 20 business days to credit your account for the amount you think is in error.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

If you believe your Security Code has been lost or stolen, you should change your Security Code on your Internet VIRTUAL BRANCH Home Banking account immediately. If you believe that someone has transferred or may transfer money from your account without your permission, call:

(713) 222-1244
or write:
Space City Credit Union
3101 Harrisburg Blvd..
Houston, Texas 77003
ATTN: Member Services Department

Our business days are considered Monday through Friday. Holidays observed by Space City Credit Union are not considered business days.

We will disclose information to third parties about your account or the transfers you make; (i) where it is necessary for completing transfers, or (ii) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or (iii) in order to comply with government agency or court orders, or (iv) if you give us your written permission.


1. If you add an Internet VIRTUAL BRANCH Home Banking Service after you have provided us with your written Application, you agree that the Terms, Conditions, and Disclosures of this Agreement will apply to any such Service added.

2. You agree to be bound by and comply with these Terms, Conditions and Disclosures and applicable state and federal laws and regulations.

3. We reserve the right to terminate your use of the Services, in whole or in part, at any time without prior notice.

4. If you wish to cancel your subscription to the Services, you must notify us in writing of cancellation. You will be responsible for all payments you have requested prior to cancellation and for all other related charges, fees, and taxes incurred.

Be sure to cancel all outstanding payment orders before you notify us to cancel the Services. We will not be liable for payments not canceled, or made due to the lack of proper notification by you of service cancellation.

5. We may change these Terms, Conditions, and Disclosures, and any applicable fees and charges at any time and we will notify you of any such change. Your use of the Internet VIRTUAL BRANCH Home Banking Services following receipt of such notice constitutes acceptance of any such change.


7. These Terms, Conditions, and Disclosures shall be governed by and construed in accordance with the laws of the State of Texas to the extent not pre-empted by applicable federal law. Venue shall lie in Harris County, Texas.

XII. ACCOUNT ACCESS SERVICE The Internet VIRTUAL BRANCH Home Banking Services will provide you access to your account via the Internet by entering your Member Number as the User ID and a user defined Security Code. You will be assigned, after your application has been processed, a temporary Security Code to use when you first log on to the web site. You will be prompted to change your Security Code as soon as you access your account. Your Security Code may be a minimum of four (4) and a maximum of eight (8) numeric digits. For any transfer you make, the balance in your Account, including overdraft protection if applicable, must be sufficient to cover the transfer. Account Access will enable you to:

  • Inquire about your account balances and loan balances for at least 30 days prior to the date of inquiry.
  • Make Share, Checking, Money Market, Certificate of Deposit, and loan history inquiries.
  • Make the following transfers if you have funds available:
    • Checking to Shares
    • Checking to Money Market Account
    • Checking to Loans
    • Shares to Checking
    • Shares to Money Market Account
    • Shares to Loans
    • Money Market Account to Checking
    • Money Market Account to Shares
    • Money Market Account to Loans
  • Change your personal information
  • Reset your Security Code based on passphrase information

In addition, you may make transfers from your accounts to and from other accounts - Checking, Shares, Money Market, and loans - which you are authorized to use. The account owner(s) must sign the Internet VIRTUAL BRANCH Home Banking application and expressly authorize you to access those accounts. If you or any account owner provides a Security Code to any other person, enabling that person to access accounts on the Internet VIRTUAL BRANCH Home Banking Service, all transactions made by that person using the Security Code will be considered an authorized use of the Internet VIRTUAL BRANCH Home Banking Services.

If any account owner agrees to make one or more of his or her accounts available as "Additional Access Accounts" under the Internet VIRTUAL BRANCH Home Banking Service Application (or ESA), that account owner acknowledges and agrees to grant the member named in such Application, complete Internet access to all of that account owner's accounts. That account owner also agrees that the authorization will supersede any prior authorization, and will continue in effect until we receive written revocation and have a reasonable time to act upon it.

In addition, you may send and receive internet e-mail to/from SCCU using VIRTUAL BRANCH. However, since the e-mails you send may not be immediately received by us, we ask that you do not take this approach if you need to communicate with us with urgency. Please contact any of our Member Service Representatives at (713) 222-1244.

XIII. Limitations on Transfers From Your Money Market Account and Share Account Using the Internet VIRTUAL BRANCH Home Banking Services
Government regulations restrict the number of pre-authorized and telephone transfers (including transfers by way of data transmission) from your Money Market Account or your Share Account to no more than six (6) per month. Transfers made through your Internet VIRTUAL BRANCH Home Banking Services are included when computing the permissible number of monthly transfers made. However, you are not prohibited from making transfers to make payments on your loans with us (payments on loans of your family members are counted against the transaction limitation). If you exceed the number of transfers permitted, your account may be subject to closure. Please refer to the Truth-In-Savings Disclosures in your Deposit Agreement for more information concerning transaction limitations.

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