This Agreement establishes the rules that cover your electronic access to your account(s) at Connecticut State Employees Credit Union, Inc (“Credit Union”) through Online Banking and Bill Payer (“e-Banking”, “CSe-Banking”). You will be bound by this Agreement when you enroll in e-Banking. You also accept all the terms and conditions of this Agreement by using the e-Banking service. Acceptance of the terms and conditions of this Agreement is an express condition of the Credit Union granting you access to e-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 Connecticut (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 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 the Connecticut State Employees Credit Union, Inc. member(s) jointly and severally. The words “we”, “us”, “our”, “CSECU” and “Credit Union” refer to Connecticut State Employees Credit Union, Inc. This Agreement and Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic Funds Transfers which are available to you with our e-Banking service. This Agreement also contains your rights and responsibilities concerning transactions that you make through e-Banking, including your rights under the Electronic Funds Transfer Act.

To qualify for access to e-Banking, you must be a Credit Union member in good standing and accept the terms and conditions of this Agreement. Other conditions may apply.

The member Account Number, Social Security Number and Address Number are required for initial enrollment to e-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 be exactly 8 alpha-numeric characters.
  • A minimum of 2 numeric and 2 alpha characters is required.

You agree that each owner of an account is authorized to access all of the funds held in that account. The Credit Union is entitled to act on transaction instructions received using your Logon ID and Security Code and you agree that the use of your Logon ID and Security Code will have the same effect as your signature authorizing transaction.

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 e-Banking to any non-owner will make you financially liable for all losses or misuse of your account(s).

    You may reach e-Banking at http://www.CSECreditUnion.com. You can use e-Banking 7 days a week, 24 hours a day, 365 days a year, although some or all of the e-Banking may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID is required to access e-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. e-Banking may NOT support information regarding Visa® credit card accounts.
    2. Make transfers between share/savings, draft/checking, and loan accounts.
    3. Review share/savings history, draft/checking history, certificate history, and loan history.
    4. Make transfers from your share accounts to other accounts/loans that you share an association.
    5. Re-order checks.
    6. Schedule bill payments from your draft/checking account.


    1. You can pay bills either on an automatic recurring basis or periodically as you request.
    2. You may pay bills from your accounts by designating the name and address of the payee and the amount of the bill. It is solely your responsibility to submit your instructions to the Credit Union in sufficient time for the payment to be issued and received by the payee in a timely manner. Bill payments submitted before 3:00 a.m. EST will be processed that day. Bill payments submitted after this time will be processed on the next business day. You are solely responsible for giving the Credit Union the accurate name of the payee of bills, the address of the payee, the amount of the bill to pay, and the bill account number or invoice number.
    3. Bill payments are processed either through an electronic transmission to the payee or by share draft/check drawn from your Credit Union share draft/checking account which we mail to the payee. Payees who receive electronic delivery will receive your payment information, including your account number with the payee, through an electronic network. All Credit Union share drafts/checks are sent through U.S. mail. To allow sufficient time for delivery and processing, payments made by paper checks must be submitted at least 10 days prior to the due date.
    4. For recurring bill payments, if a due date falls on a weekend or a holiday, the payment will be made the next business day.
    5. You agree that the Credit Union has the right to collect funds from all of your accounts to recover funds for all payments that have been requested to be paid by you and your authorized users; this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.
    6. You may cancel future and recurring transactions by following the Bill Payer instructions. Your transaction or change request must be submitted through Bill Payer at least 24 hours before the scheduled payment date. If your transaction is not canceled in a timely manner, you will be responsible for the payment.

    1. 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. No more than three of the six transfers may be made by check, draft or debit card, or similar order to a third party. 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, your account may be closed or suspended or we may revoke your access to e-Banking.
    2. 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 e-Banking to initiate a transaction that would cause the balance in your designated account(s) to go below zero. 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. If you give us instructions to make multiple transfers, or to pay multiple bills, and there are not sufficient collected funds for each transaction, the Credit Union may honor the instructions in the order that the instructions are received and may refuse to honor all further instructions. We have no obligation to notify you if there are not sufficient funds to permit the transfer or pay the bill. We may, but are not required to, make the transfer or pay the bill at such future time as collected funds are available in the originating account. A non-sufficient funds (NSF) fee may be charged in accordance with the Credit Union’s established and published service fees.
    3. Bill payments may only be payees with a United States address. You agree to not make a bill payment of alimony, child support, taxes or other governmental fees, or court-directed payments. We reserve the right to refuse to pay any merchant or other person to whom you may direct a bill payment. The Credit Union is obligated to notify you promptly if we decided to refuse to pay a payee. This notification is not required if you attempt one or more of the prohibited bill payments set forth above.
    4. We also will refuse to complete your e-Banking transactions if we have canceled your e-Banking, or we cannot complete the transaction for security reasons.
    5. For security reasons, there are limits on the dollar amount and on the number of transfers you can make using our system.

    The functions and limitations of e-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 e-Banking; however, we may implement a fee at a later date and we will notify you as soon as practicable. If at that time, you choose to discontinue using e-Banking, you must notify us in writing. You are responsible for any and all telephone access fees or internet service fees that may be assessed by your telephone and/or internet service provider.

    Your periodic statement will identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions.

    In case of errors or questions about electronic transfers, telephone us at the number below, fax us at 860-246-7384, or send us a written notice to the address below as soon as possible. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
       Connecticut State Employees Credit Union, Inc.
       Attention: e-Banking
       84 Wadsworth St
       Hartford, CT 06106

    1. Tell us your name and member number.
    2. Describe the error or the electronic transaction 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 notify you with the results of our investigation within 10 business days (20 business days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) after we hear from you. We will correct any error promptly. If we need more time, we may take up to 45 days (90 days if your complaint or question involves a transaction to or from an account within 30 days after the first deposit to the account was made) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 days if the complaint or error involves a transaction to or from an account within 30 days after the first deposit to the account was made) 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 questions in writing and we do not receive it within 10 business days, we may not credit your account. If we decide that there was no error, we will send you a written explanation within 3 business days after we finish our investigation. You may request copies of the documents we used in our investigation.

    You will be liable for unauthorized access to accounts via e-Banking to the extent allowed by applicable federal and state law. You must tell us AT ONCE if you believe your Member number, or Logon ID, or any record thereof, has been lost or stolen, or if any of your accounts have been accessed without your authority. You may telephone us at 860-522-5388, fax a letter to 860-246-7384, or mail to CSE Credit Union, Attention: e-Banking, 84 Wadsworth St, Hartford, CT 06106. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your accounts. If you tell us within two (2) business days of the loss, theft, or unauthorized access, you can lose no more than $50 if someone accessed your account without your permission. If you do NOT tell us within two (2) business days after you learn of the loss, theft or unauthorized access, and we can prove we could have stopped someone from accessing your account without permission if you had notified us, you could lose as much as $500.

    Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not receive 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 notified us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

    If we fail to complete a transfer or a bill payment to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) or bill payment (with certain exceptions), we may be liable for your losses or damages. Section 3 of this Agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:

    • If we have terminated this Agreement.
    • If through no fault of ours, you do not have enough money in your account(s) to make the transfer.
    • A legal order directs us to prohibit withdrawals from the account(s).
    • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.
    • If circumstances beyond our control (such as fire or flood) prevent the transaction from being completed despite reasonable precautions that we have taken.
    • You have reported an unauthorized use of your Member Number and Security Code, reported it as stolen, or requested that we issue a new Security Code, and we have as a result refused to honor the original Security Code.
    • If your account is closed, frozen or funds are uncollected.
    • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.
    • If the transfer would cause your balance to become negative.
    • If the payee mishandles or delays a bill payment sent by us.
    • If you have not provided the Credit Union with the correct names, addresses, phone numbers, or account information for those persons or entities to whom you wish to direct payment (payee).
    • If you have not properly followed the instructions for using the e-Banking service.
    • If any part of e-Banking is not working properly and you knew about the problem when you started the transactions.
    • If your operating system is not properly installed or functioning properly.
    • For errors or failures from any malfunctions of your browser, internet service provider, computer, computer virus or other problems relating to the computer equipment you use, including, without limitation, your inability to access the web site or any part of the application.
    • If other exceptions are introduced as provided by applicable law.

  9. Provided none of the foregoing exceptions to the service performance obligations is applicable, if the e-Banking service causes an incorrect amount of funds to be removed from your account, we shall be responsible for returning the improperly transferred funds to your account. If the Bill Payer service causes funds from your account to be directed to an incorrect payee, you agree to help us recover funds directed to the incorrect payee. The Credit Union will make every effort to direct to the proper recipient any previously misdirected bill payments.


    You authorize us to obtain any information deemed necessary to process your request for access to e-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.
    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.
    3. In order to comply with government agency or court order.
    4. If you give us written permission.

    Our business days are Monday through Friday, other than Credit Union holidays.

    You may not use e-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 e-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.

    The Credit Union may terminate an inactive e-Banking account after 90 days of inactivity. If your e-Banking account was terminated due to inactivity, you will be eligible to reopen it at no charge.

    We may change any term of the Agreement at any time. If the change would result in increased fees, if applicable, 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 thirty (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. We will post any required notice of change in terms in the quarterly newsletter, on our web site, or postal mail. 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. The Credit Union reserves the right to terminate your access to Online Banking if you fail to adhere to these rules or abuse any of these services or your Credit Union account.

  17. 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 CSE Credit Union, Attention: e-Banking, 84 Wadsworth St, Hartford, CT 06106. 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. You agree that if the Credit Union is required by any laws or regulations to give you written confirmation of the completion of any transaction, then the Credit Union may in its sole discretion give such confirmation to you electronically over the Internet. If there is more than one account owner, the Credit Union will only be required to give notice to one of you.

    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 Connecticut. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.