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:
Mail may also be addressed to:
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:
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:
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:
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:
Fee Schedule You agree to pay Us the fees, if any, to be published by Us from time to time.
Additional Terms and Conditions
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.
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.