SERVICE TERMS and CONDITIONS

The following Service Terms and Conditions govern the manner in which Collins Community Credit Union (us, we, our) will provide Virtual Branch Home Banking Services (CU ONLINE) to you. These Service Terms and Conditions shall be governed by and construed in accordance with Federal and State of Iowa laws and regulations. You agree to be bound by and comply with the requirements of the Service Terms and Conditions.

Services
You authorize us to utilize IntegraSys to provide CU ONLNE to you on our behalf.

Fee Schedule
Account Access is a FREE service.

Care of Your Security Code and Security
You agree that you will not give your 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 CU ONLINE.

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 a long trip) prevented you from telling us, we may at our discretion, extend the time.

Limitation
Under no circumstances will we be liable if we are unable to complete any transfers initiated in a timely manner via CU ONLINE because of the existence of any one or more of the following circumstances:

  1. You do not obtain a confirmation number at the time you initiate a transfer.
  2. The designated account does not contain sufficient funds to complete the transfer.
  3. We have placed a “hold” on your account or remitted funds to another party with your knowledge, pursuant to reasonable business procedures, or in compliance with legal process such as garnishments, tax levy, court order, etc.
  4. You have closed the designated account.
  5. We have terminated or suspended your use of CU ONLINE, in whole or in part, at any time without prior notice.
  6. CU ONLINE, 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.
  7. 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.
  8. The computer system is updating, therefore, we treat and record all transactions received after our “daily cutoff time” on a business day we are open, or received on a day we are not open for business, as if initiated on the next following business day that we are open.

Cancellation/Modification
Except for those transfers which are completed immediately, you may cancel or modify a transfer up to 1:00 p.m. Central Time (CT) the same business day you schedule for transfer.

In the event you wish to discontinue using CU ONLINE, contact us by phone, in writing or send us an electronic message through CU ONLINE.

Liability
We are not responsible for any other loss, damage or injury, whether caused by your equipment or software, CU ONLINE, or any technical or editorial errors contained in or omissions from any user guide/brochure related to CU ONLINE. 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 CU ONLINE, except where the law requires a different standard.

New or Revised Services and Service Terms and Conditions
We may, from time to time, introduce new services or revise the existing Services. We shall notify you of the existence of these new or revised services. By using these services when they become available, you agree to be bound by the obligations concerning these services.

These Service Terms and Conditions, CU ONLINE User Guide, and applicable Services fees and charges may only be altered or amended by us. In such event, we shall send notice to you at your listed address or transmit notice of the alteration or amendment over CU ONLINE. Your use of CU ONLINE following receipt of such notice constitutes acceptance of such alterations and amendments.

Errors and Questions
In case of Errors or Questions about CU ONLINE, call or write us at the telephone and address listed below, 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.

  1. Tell us your name and account number.
  2. Describe the error or the transfer amount 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 (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) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (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.

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 documents that we used in our investigation.

COLLINS COMMUNITY CREDIT UNION
1150 42ND ST N.E.
PO BOX 10500
CEDAR RAPIDS, IOWA 52410-0500
Business Days: Monday through Friday
Business Hours: 9:00 a.m. to 5:00 p.m. Monday through Thursday
9:00 a.m. to 6:00 p.m. Friday
Excluding: Federal Holidays
Phone: (319) 393-9000 or 1-800-475-1150