Online Banking AccessACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENTRolling F Credit Union
This Agreement establishes the rules that cover your electronic access to your account(s) at Rolling F Credit Union (“Credit Union”) through Online Banking Access. You will be bound by this Agreement when you enroll in Online Banking Access. You also accept all the terms and conditions of this Agreement by using the Online Banking Access. 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 California (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 the ROLLING F CREDIT UNION member(s) jointly and severally. The words 'we', 'us', 'our', and 'Credit Union' refer to ROLLING F 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 Virtual Branch. This Agreement also contains your rights and responsibilities concerning transactions that you make through the Virtual Branch, including your rights under the Electronic Funds Transfer Act.
To qualify for access to the Online Banking Access, you must be a Credit Union member in good standing. The Online Banking Access may not be accessible to Business and Organizational accounts. Other conditions may apply.
VIRTUAL BRANCH ACCESS.
You may reach the Virtual Branch at www.RollingF.org You can use Virtual Branch 7 days a week, 24 hours a day, 365 days a year, although some or all of the Virtual Branch services may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID is required to access Virtual Branch. You can perform the following transactions on account(s) to which you are authorized and have been given access to:
- Obtain balances and other account information.
- Make transfers between accounts.
- View check copies and re-order checks (if set up for service)
LIMITATIONS ON TRANSFERS.
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, account closure, or suspension or we may revoke your access to Online Banking Access. 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 Online Banking Access 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 Online Banking Access 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 Online Banking Access transactions if we have canceled your Online Banking Access access, or we cannot complete the transaction for security reasons.
The functions and limitations of Online Banking Access may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership.
FEES FOR VIRTUAL BRANCH.
Currently there is no monthly service fee for using Virtual Branch; however, we may implement a fee as required by applicable federal and/or state regulations and in such case, we will notify you as soon as practicable. If at that time, you choose to discontinue using Virtual Branch, you must notify us in writing.
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 YOUR ELECTRONIC TRANSFERS.
In case of errors or questions about electronic transfers, telephone us at the number below, , 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.
Rolling F Credit Union
Attention: Virtual Branch
2101 Geer rd suite 401
Turlock, CA 95382
- Tell us your name and member number.
- 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.
- c) 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.
LIABILITY FOR UNAUTHORIZED TRANSACTIONS.
You will be liable for unauthorized access to accounts via Virtual Branch 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 contact us:
- By Phone: 209-634-2911
- By E-mail: firstname.lastname@example.org
- By Mail:
Rolling F Credit Union
Attention: Virtual Branch
2101 Geer rd suite 401, Turlock Ca 95382
Telephoning is the best way of minimizing your liability. You could lose all the money in your accounts, plus your maximum overdraft line-of-credit. 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.
Transactions That Are Not Completed.
If we fail to complete a transfer to or from your designated account(s) on time, in the correct amount, and we have agreed to perform it, with certain exceptions, we will be liable for your losses or damages. 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 Password, reported it as stolen, or requested that we issue a new Password, and has as a result refused to honor the original Password.
- 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 or exceed the credit limit of an established line of credit loan.
- If any part of the Online Banking Access is not working properly and you knew about the problem when you started the transactions.
- There may be other exceptions as provided by applicable law.
Information About Your Designated Accounts.
You authorize us to obtain any information deemed necessary to process your request for access to Online Banking Access. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:
- Where it is necessary for completing or documenting transactions or resolving errors involving transactions.
- In order to verify the existence and condition of your designated account(s).
- In order to comply with orders or subpoenas of government agencies or courts.
- If you give us written permission.
OUR BUSINESS DAYS.
Our business days are Monday through Friday, other than legal banking holidays.
You may not use Online Banking Access to enter into pre-authorized payment arrangements.
OUR RULES AND REGULATIONS AND OTHER AGREEMENTS.
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.
TERMINATING THIS AGREEMENT.
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 Virtual Branch 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.
CHANGING THIS AGREEMENT.
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 21 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, personal E-mail, or postal mail. If 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 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.
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:
Rolling F Credit Union
Attention: Virtual Branch
2101 Geer rd suite 401
Turlock, Ca. 95382
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 California. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
E-Signature Agreement & Disclosure
Please read this disclosure carefully, as it provides important information about your legal rights.
This agreement to receive Communications Electronically (Agreement) addresses the circumstances under which you agree to receive in electronic from information that we are required by law to provide to you in writing (such as, for example, Truth-in-Savings Act disclosures) as well as other information and notices in connection with your membership and accounts with Rolling F Credit Union.
For the purposes of this Agreement, the words “you” and “your” mean the primary accountholder and all joint accountholders. The words “we” “our” and “us” mean Rolling F Credit Union. “Account(s)” means the account(s) you have with us.
“Communication” means any member agreements or amendments thereto, monthly (or other periodic) billing or account statements, tax statements, disclosures, notices, responses to claims, transaction history , privacy polices and all other information related to the product, service, account(s) or your membership, including but not limited to information that we are required by law to provide to you in writing.
We are required to obtain your consent before delivering communication electronically. You understand that your consent also permits us to electronically deliver to you, initially and on an ongoing basis, all future communications.
Consent to receive disclosures electronically and scope of consent. By clicking the I AGREE button or typing YES in the accept box, you are affirmatively consenting, initially and on an ongoing basis, to receive communications with us in electronic format, and that we may discontinue sending paper communication to you, until you withdraw your consent as described below. Your consent to receive electronic communications includes, but is not limited to:
- All legal and regulatory disclosures and communications associated with the account(s). As an example, we may send by email disclosures required by the Truth-in-Savings Act, the Gramm Leach Bliley Act, the Truth-in-Lending Act, the Electronic Fund Transfer Act, the Equal Credit Opportunity Act and the Fair Credit Reporting Act.
- Notices or disclosures about a change in the terms of your account(s) or associated payment feature and responses to claims
- Privacy policies and notices
- Monthly (or other periodic) billing or account statements for you account(s) or such other communications we may include from time to time.
Method of providing communications to you in electronic form. All communications that we provide to you in electronic format will be provided either: (1) via email; (2) by access to a website that we will designate in an email notice we send to you a the time the information is available; or (3) we will request that you download a pdf file containing the communication.
How to withdraw consent. You may withdraw your consent to receive communications by providing written notice to us at Rolling F Credit Union, 2101 Geer rd, suite 401, Turlock, Ca. 95382 with the details of your request. At our option, we may treat your provision of an invalid email address, as a withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communication will be effective only after we have had a reasonable period of time to process your withdrawal.
Valid email address. You agree to provide us with and maintain a valid, active email address. You must promptly notify us of any change in your email address. You may update your email address by accessing your online banking profile at any time or by contacting the Credit Union during normal business hours, and your change will take effect in a reasonable time thereafter. We are not liable for any third-party incurred fees, other legal liability or any other issues or liabilities arising from statements or notifications sent to an invalid or inactive email address that you have provided.
In order to access, view and retain electronic communications that we make available to you, you must have an Internet-capable computer with one of the following Internet Browsers: Microsoft Internet Explorer 8 (or higher), Firefox (1.5 and higher), Safari(1.3 or higher) or Google ChromeTM (V18 or higher) or the latest version of the Rolling F Mobile APP. You must also be able to view Adobe Acrobat version 10 or higher (PDF) files. If you do not have Acrobat, you can download Acrobat for free from Adobe’s website. In addition, you must have a printer capable of printing any communications that are emailed to you and/or made available on our website, and you understand that we recommend that you do so. In the alternative, you must have and maintain the ability to electronically save and visually display on your computer screen any communications that are emailed to you and/or made available on our website. You understand that we do not make any warranties on equipment, hardware, software, Internet service provider or any part of them, expressed or implied, including, without limitation, any warranties of merchantability or fitness for a particular purpose.
Your right to receive paper communications. We will not send you a paper copy of any communication unless you request it or we otherwise deem it appropriate to do so. You may obtain a paper copy of an electronic communication by printing it yourself or by writing to us Rolling F Credit Union, 2101 Geer rd, Suite 401, Turlock, Ca. 95382, or contacting us by telephone at 209-634-2911 or 833-368-6389 and identifying the specific record requested, provided that such request is made within a reasonable time after we first provided the electronic communication to you. A fee to request paper copies of communication may be imposed as set forth in the schedule of fees and charges.
Communications in writing. All communication in either electronic or paper format from us to you will be considered “in writing”. You should print or download for your records a copy of this agreement and any other communication that is important to you.
Federal law. You acknowledge and agree that your consent to receive electronic communication is being provided in connection with a transaction affecting interstate commerce that is subject to the federal electronic signatures in global and National Commerce Act, and that you and we both intend that the Act apply to the fullest extent possible to validate our ability to conduct business with you by electronic means.
Termination or changes. We reserve the right, in our sole discretion, to discontinue the provision of your electronic communications, or to terminate or change the terms and conditions on which we provide electronic communications. We will provide you with notice of any such termination or change as required by law.
Agreement. By clicking the I AGREE button or typing YES in the accept box you affirmatively consent to receive, and acknowledge that you can receive, access, and retain electronic communications. You acknowledge that you have read and agree to the terms in this “Agreement to Receive Communication Electronically” and that your computer system meets the minimum system requirements described in this agreement.
Important: PLEASE PRINT AND RETAIN THIS AGREEMENT FOR YOUR RECORDS