ONLINE BANKING
ACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENT
We Florida Financial

This Agreement establishes the rules that cover your electronic access to your account(s) at We Florida Financial (“Credit Union”) through the Online Banking system. You will be bound by this Agreement when you enroll in the Online Banking. You also accept all the terms and conditions of this Agreement by using the Online 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 Florida (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 We Florida Financial member(s) jointly and severally. The words “we”, “us”, “our”, and “Credit Union” refer to We Florida Financial. This Agreement and Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic Funds Transfers which are available to you with the Online Banking system. This Agreement also contains your rights and responsibilities concerning transactions that you make through the Online Banking, including your rights under the Electronic Funds Transfer Act. To qualify for access to Online Banking, you must be a Credit Union member in good standing. Online Banking is also available accessible to Business and Organizational accounts. Other conditions may apply.

ENROLLING in Online Banking
The member Account Number, Call24 PIN number and Address Number are required for initial enrollment to Online 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 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 Online Banking to any non-owner will make you financially liable for all losses or misuse of your account(s).

  1. Online Banking.
    You may reach our Online Banking application at www.wefloridafinancial.com. You can use Online Banking 7 days a week, 24 hours a day, 365 days a year, although some or all of the Online Banking services may not be available occasionally due to emergency or scheduled system maintenance. The use of your Logon ID and Security Code is required to access Online Banking. You can perform the following transactions on ALL ACCOUNT(S) TO WHICH YOU ARE AUTHORIZED AND HAVE BEEN GIVEN ACCESS TO:
    • Obtain balances and other account information on share/savings and draft/checking accounts in addition to share certificates, IRAs, and loans.
    • Make transfers between share/savings, draft/checking, and loan accounts.
    • Transfer advances from your personal line-of-credit loan to share accounts.
    • Review share/savings history, draft/checking history, certificate history, and loan history.
    • Make transfers from your share accounts to other share accounts that you share a pre-established association.
    • View check copies, request stop payments, copies of monthly statements and copies of clear drafts.
  2. LIMITATIONS ON TRANSFERS.
    Federal regulations limit transfers for share/savings accounts and money market accounts, if applicable.

    The functions and limitations of Online Banking may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership.

  3. FEES FOR ONLINE BANKING.
    Currently there is no monthly service fee for using Online Banking; 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 Online Banking, you must notify us in writing.

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

  5. 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, E-mail us at memberservice@wefloridafinancial.com, 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.
       954-745-2400
       We Florida Financial
       Attention: Member Service
       P.O. Box 14548 Fort Lauderdale, FL 33302-4548
    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.
  6. LIABILITY FOR UNAUTHORIZED TRANSACTIONS.
    You will be liable for unauthorized access to accounts via Online 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 954-745-2400, E-mail us at memberservice@wefloridafinancial.com, or mail to We Florida Financial P.O. Box 14548 Fort Lauderdale, FL 33302-4548. Telephoning is the best way of minimizing your liability.

  7. 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 Login ID and Security Code, reported it as stolen, or requested that we issue a new Security Code, and has 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 or exceed the credit limit of an established line of credit loan.
    • If any part of the Online Banking 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.
  8. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS.
    You authorize us to obtain any information deemed necessary to process your request for access to Online 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).
    3. In order to comply with orders or subpoenas of government agencies or courts.
    4. If you give us written permission.
  9. OUR BUSINESS DAYS.
    Our business days are Monday through Friday, other than legal banking holidays.

  10. PRE-AUTHORIZED PAYMENTS.
    You may not use Online Banking to enter into pre-authorized payment arrangements.

  11. 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.

  12. EVIDENCE.
    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.

  13. 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 Online 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.

  14. CHANGING THIS AGREEMENT.
    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 in 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 become 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.

  15. 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 We Florida Financial P.O. Box 14548 Fort Lauderdale, FL 33302-4548. 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.

  16. COLLECTION EXPENSE.
    If we ever have to file a lawsuit to collect what you owe us, you will pay our reasonable expenses, including attorney’s fees.

  17. GOVERNING LAW.
    This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, and the laws and regulations of the state of Florida. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.