SERVICE TERMS and CONDITIONS

The following Service Terms and Conditions govern the manner in which Star of Texas Credit Union provides Home Banking Services to you. These Service Terms and Conditions are governed by and construed in accordance with Federal and State of Texas laws and regulations. You agree to be bound by and to comply with the requirements of the Service Terms and Conditions.

Services
You authorize us to utilize IntegraSys to provide Home Banking Services 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 at (512) 458-8253 any time during business hours or send an electronic message through the Credit Union Website.

Limitation
Under no circumstances will we be liable if we are unable to complete any transfers initiated in a timely manner via Home Banking 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 Home Banking access, in whole or in part, at any time without prior notice.
  6. Your equipment, the software, or any communications link is not working properly 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.
  8. The transaction was done on a non-business day.

Cancellation/Modification
In the event you wish to discontinue using Home Banking contact us by phone, in writing or send us an electronic message through the Credit Union Website.

Liability
We are not responsible for any other loss, damage or injury, whether caused by your equipment or software, or any technical or editorial errors contained in or omissions from any user guide/brochure related to Home Banking. We shall not be responsible for any direct, indirect, special or consequential damage arising in any way from the installation, use or maintenance of your equipment, software, 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, 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 Home Banking. Your use of Home Banking following receipt of such notice constitutes acceptance of such alterations and amendments.

Errors
To report errors, inform the Credit Union Immediately.  If you statement contains an error notify us no later than 60 days after statement on which error appeared was sent to you.  We will need the following information:

  1. Your name and account number.
  2. Date and the dollar amount of the suspected error.
  3. Description of the error or the transfer amount that is in question and an explanation why you believe it is an error or why you need more information.

We may require that you send your complaint or question in writing within 10 business days.

Research may take up to ninety days to investigate the transaction.  Notification of results will be sent to you within three business days after completing the investigation.

STAR OF TEXAS CREDIT UNION

114 EAST HUNTLAND DRIVE

AUSTIN, TEXAS 78752

Business Days: Monday through Saturday
Business Hours: 9:00 a.m. to 5:00 p.m. Monday through Friday
10:00 a.m. to 1:00 p.m. Saturday
Excluding: Federal Holidays
Phone: (512)458-8253