The following Service Terms and Conditions govern the manner in which Illinois Community Credit Union (us, we, our) will provide Virtual Branch Home Banking Services 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.

You authorize us to utilize IntegraSys to provide Online Access 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 Online Access.

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.

Federal regulations limit preauthorized transfers from your regular share (savings) account to no more than six (6) per account per month. This includes transfer by phone, fax, overdraft and Internet transfer. The credit union reserves the right to limit the number and amount of transactions in the future.

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

By using Internet account access, you agree to accept responsibility for protecting the integrity of your password (P/W), in order to prevent unauthorized transactions and/or account access. You also agree that the credit union may revoke your Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the P/W. Granting access to your account via the Internet to any other person (nonowner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to the credit union.

Tell the credit union at once, if you believe your account number, P/W, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning is the best way of keeping your possible losses down, but you may also notify us via the Internet or by writing to the address below. You could lose all the money in your accounts, but 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 unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.

If your statement shows any electronic fund transfer you did not make or authorize to be made, 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 kept you from telling us, we may extend the time periods.

If we do not complete a transfer, loan advance, or withdrawal 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 resulting from this failure to act. However, there are some exceptions. We will not be liable:

  1. If through no fault of ours, you do not have available funds to make the transfer and/or withdrawal,
  2. If the system was not working properly and you knew of the breakdown when you started the transaction,
  3. If the Internet Home Banking system fails to perform your transaction due to a mechanical or software malfunction beyond our control,
  4. If your account is flagged for a lost/stolen password, or unauthorized transaction on the account,
  5. If circumstances beyond our control, such as, fire or flood, prevent the transaction despite reasonable precautions we have taken,
  6. Any other exceptions related to other agreements we may have with you.

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, Online Access 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 Online Access Your use of Online Access following receipt of such notice constitutes acceptance of such alterations and amendments.

Errors and Questions
In case of Errors or Questions about Online Access, 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.

llinois Community Credit Union