Badger Globe Credit Union

This Agreement establishes the rules that cover your electronic access to your account(s) at Badger Globe Credit Union (“Credit Union”) through Home Banking. You will be bound by this Agreement when you enroll in Home Banking. You also accept all the terms and conditions of this Agreement by using Home Banking. 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 Wisconsin (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 the Agreement are for convenience or 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 Badger Globe Credit Union member(s) jointly and severally. The words “we”, “us”, “our”, “BGCU” and “Credit Union” refer to Badger Globe Credit Union. This Agreement and Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic Funds Transfers which are available to you with our Home Banking. This Agreement also contains your rights and responsibilities concerning transactions that you make through Home Banking, including your rights under the Electronic Funds Transfer Act.

To qualify for access to Home Banking, you must be a Credit Union member in good standing. Home Banking may not be accessible to Organizational accounts. Other conditions may apply.

The member Account Number, Social Security Number and Address Number are required for initial enrollment to Home Banking.
Users will create a personalized Logon ID and Security Code.
Logon IDs can be between 6 and 50 alpha numeric characters.
Security Codes must have a minimum of 8 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 Home Banking to any non-owner will make you financially liable for all losses or misuse of your account(s).

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

    1. Obtain balances and other account information on share/savings and draft/checking accounts in addition to share certificates, IRAs, and loans. Home Banking may NOT support information regarding Visa® and MasterCard® credit card accounts.
    2. Make transfers between share/savings, draft/checking, and loan accounts.
    3. Transfer advances from your Kwik Cash Line of Credit or Home Equity Line of Credit (HELOC) to share accounts.
    4. Review 24 months of savings and checking history, 24 months of certificate history, 24 months of open-end loan history, and closed-end loan history for the life of the loan.
    5. Make transfers from your share accounts to other share accounts that you share an association.
    6. Re-order checks.

    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 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. 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 Home Banking. 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 Home Banking to initiate a transaction that would cause the balance in your designated account(s) to go below zero. If you have a line-of-credit, you agree not to use Home Banking 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 Home Banking transactions if we have canceled your Home Banking, or we cannot complete the transaction for security reasons.

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

    Currently there is no monthly service fee for using Home Banking; however, we may implement a fee and in such case, we will notify you as required by applicable federal and/or state regulations.

    You will get a monthly account statement from us for your share draft accounts. You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly.

    In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed below, or send us a secure message through Home Banking by clicking on the Secure Mail option under Self Service, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
       Badger Globe Credit Union
       Attention: Home Banking
       260 N. GREEN BAY ROAD
       NEENAH, WI 54956-2245
       (920) 722-2122

    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 10 business days.

    We will determine whether an error occurred within 10 business days (5 business days for CheckOut debit point-of-sale transactions processed by Visa® and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for CheckOut debit card point-of-sale transactions processed by Visa® and 20 business days if the transfer involved a new account) 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 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three 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.


    1. Consumer Liability
      Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check or draft. Telephoning is the best way of keeping your possible losses down. You can lose no more than $50 if you fail to give us notice of a lost or stolen card and/or code. If you do give us notice after learning of the loss or theft of your card and/or code, you will be liable for the lesser of:
      1. $50 or
      2. the amount of any money, property, or services obtained by unauthorized use of the card and/or code before you gave us notice.

      Also, if your statement shows transfers that you did not make, including those made by card, code, or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back 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 told us in time.
      If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time period.

    2. Contact in the event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the phone number or address below, or send us a secure message through Home Banking by clicking on the Secure Mail option under Self Service. You should also call the number or write to the address below, or send us a secure message through Home Banking if you believe a transfer has been made using the information from your check without your permission.

         Badger Globe Credit Union
         Attention: Home Banking
         260 N. GREEN BAY ROAD
         NEENAH, WI 54956-2245
         (920) 722-2122

  7. Transactions That Are Not Completed.
    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, through no fault of ours, you do not have enough money in your account to make the transfer.
    • If you have an overdraft line and the transfer would not go over the credit limit.
    • If the automated teller machine where you are making the transfer does not have enough cash.
    • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
    • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
    • There may be other exceptions stated in our agreement with you.

  8. Information About Your Designated Accounts.
    You authorize us to obtain any information deemed necessary to process your request for access to Home Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:

    1. Where it is necessary for completing or documenting transactions or resolving errors involving transactions; or
    2. In order to verify the existence and condition of your designated account(s) for a third party, such as a credit bureau or merchant; or
    3. In order to comply with government agency or court orders; or
    4. As explained in the separate Privacy Disclosure.

    Our business days are Monday through Friday, excluding Federal Holidays.

    You may not use Home Banking to enter into pre-authorized payment arrangements.

    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 well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

    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.

    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 Home Banking 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 transaction to be completed with your Logon ID after this Agreement has been terminated.

    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 30 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. 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.

  15. 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 Badger Globe Credit Union, Attention: Home Banking 260 N. Green Bay Road Neenah, WI 54956-2245. Notices under Section 6 will be effective once you have done whatever is reasonably necessary to give us the information we need, such as by telephoning us.

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

    This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, and the laws and regulations of the state of Wisconsin. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.