St. Vincent's Medical Center Federal Credit Union Online Account Access
ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT

This Agreement established the rules that cover your electronic access to your account (s) at St. Vincent's Medical Center Federal Credit Union ('Credit Union') through Online Account Access, (also referred to as Home Banking or Virtual Branch). You will bound by this Agreement when you enroll in Online Account Access. You also accept all the terms and conditions of this Agreement by using the Online Account 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 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 heading 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 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 this is no understanding or agreement relative hereto which are not fully expressed herein.

The words 'you', 'yours', and 'yours' refer to the St. Vincent's Medical Center Federal Credit Union member(s) jointly and severally. The words 'we', 'us', 'our', 'SVMCFCU' and 'Credit Union' refer to St. Vincent's Medical Center Federal Credit Union. This Agreement and Disclosure Statement (hereinafter 'Agreement') explains and describes the types of Electronic Funds Transfers that are available to you with our Online Account Access. This agreement also contains your rights and responsibilities concerning transactions that you make through the Online Account Access including your rights under the electronic Funds Transfer Act.

To qualify for access to Online Account Access, you must be a Credit Union member in good standing. The Online Account Access may not be accessible to Business and Organizational account. Other conditions may apply.

ENROLLING IN HOME BANKING (VIRTUAL BRANCH)
Users will create a personalized Logon ID and Security Code.

Logon IDS can be between 5 and 50 alphanumeric characters.

Security Codes must have a minimum of 8 alphanumeric characters. A minimum of 2 numeric and 2 alpha characters is required.

You accept responsibility for periodically changing your Logon ID and protection the integrity of the Logon ID to protect unauthorized transactions and account access. Granting access to your account via Online Account Access to any non-owner will make you financially liable for all losses or misuse of your account(s).

  1. Virtual Branch
    You may reach the Online Account Access at www.svmcfcu.org. You can use online Account Access 7 days a week, 24 hours a day, 365 calendar days a year, although some or all of the Online Account Access services may not be available occasionally due to emergency or schedules system maintenance. The use of your Logon ID is required to access Online Account Access. You can perform the following transaction 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.
  2. Make transfers between share/savings and share draft/checking and loan accounts.
  3. Transfer advances from your Overdraft line of Credit Loan to share accounts.
  4. Review 200 days of share/savings history, 90 days of share draft/checking history, 18 months of certificate history, 18 months of open end loan history and closed end loan history for the life of the loan.
  5. Make transfer from your share accounts to other share accounts that you share and association.
  6. View copies of checks and re-order checks.
  1. LIMITATIONS ON TRANSFERS.
    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 Account Access to initiate a transaction that would cause the balance in your designated account(s) to go below zero.