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Online Banking Disclosure
Introduction:
his page explains the terms and conditions for using our Online
Banking Service and provides certain disclosures and information to
you concerning the service. Each of your accounts at Ohio Teamsters
Credit Union is also governed by the applicable account
disclosure/agreement and Truth In Savings disclosure you received
when you opened your account.
How To Access Your Accounts:
To access your accounts through our Online Banking service, you must
have your account number and an Online Banking password. This
information is requested when you enter our Online Banking pages.
The password that is used to gain access to your
information should be kept confidential, just as you would keep
other PIN numbers and security codes confidential. For your
protection we recommend that you change your Online Banking access
password regularly. It is recommended that you memorize this
password and do not write it down. You are responsible for keeping
your password, account numbers and other account data confidential.
If you share your password with the joint owner of your account, or
your spouse, or any other individual who is not a joint owner, he or
she will have full access to ALL share and loan account information,
and be able to initiate transactions available through this service.
If you believe that your password may have been lost or stolen, or
that someone has transferred or may transfer money between your
accounts without your permission, notify Ohio Teamsters Credit Union
at once at 216-573-6700 .
You cannot use E-mail to initiate transactions,
change information or inquire on your account(s). We will not
respond to these types of requests via E-mail since we cannot be
certain we are corresponding with you. Please use the appropriate
functions within our Online Banking service, call 216-573-6700 or
visit the credit union for these functions.
Fees:
No fee when you signup for estatements. We reserve the right to
impose / change the fee amount, if necessary, after providing 30
days notice to all users at the Online Banking login page and/or
e-mail address.
Your internet service provider (ISP) probably
charges you a fee to access the internet via its server. We have no
control over ISP related fees.
Available Services and Limitations:
The following functions may be performed by members through the
service:
Transfers:
You may transfer funds between your Share Accounts as the account
agreements may allow. Transfers done through the service DO NOT
immediately charge or credit your account. TRANSFERS WILL BE
EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH
TRANSACTION but may occur sooner.
Account Balances:
You may view your share and loan account balances. Because the main
credit union computer system is not connected to the internet, it is
possible that some transactions that affect these balances, and have
been processed by the credit union, are not yet included in the
balance at the time you view it. In addition, there may be drafts
written against your balance, or other electronic items such as
debit card transactions, that have not yet been presented to the
credit union for payment.
Transaction History:
You may view the transaction history for any loan or share account.
Because the main credit union computer system is not connected to
the Internet, it is possible that some transactions are not yet
included in the history at the time you view it even though they may
have been processed by the credit union. The main credit union
computer system is always the official record of account history.
The Online Banking service may be updated several times per day for
your convenience in viewing account activity.
Download Transactions:
You may download transactions in various formats (as available on
our site) for import into personal financial software programs.
Password Changes:
If you are an Online Banking user, you may change your password at
any time from within the Online Banking section. For your protection
we recommend that you change your Online Banking password regularly.
Opt in Email:
You can request that we keep you informed via email regarding
specials and/or promotions at the credit union.
Transaction Search:
You may search for drafts and other transactions that have cleared
your account. You may also list clearings by date, cleared check
number, transaction description or other means. The oldest
transaction available will vary, but dates will go back, at a
minimum, to your last regular statement date.
The information regarding your account balances on
this website is provided to you as a courtesy pursuant to your
request. For members that have filed a petition seeking bankruptcy
protection under any chapter of the U.S. Bankruptcy Code, no demand
for payment is hereby made, and the information provided is not to
be construed as an attempt to collect or recover any claim or debt
in violation of the provisions of 11 U.S.C. Section 362.
Additional Services:
From time to time, we will announce additional services, which are
available through our Online Banking. Your use of these services
will constitute acceptance of the terms and conditions presented at
the time they are announced.
We reserve the right to limit access or cancel
on-line access at any time.
Business Day:
Our business days are Monday through Friday. Transactions requested
on Saturday, Sunday or holidays will be processed on the next
business day.
Operating Systems and Security:
Our Online Banking site is designed to operate using world wide web
technologies and protocols, which are adaptable to a wide range of
systems. The Online Banking section uses SSL encryption and requires
a browser with a current (unexpired) Thawte Root CA Security
Certificate. Some older browsers may not be able to connect to the
site without first updating the browser security certificate. Our
server uses 40 to 128 bit encryption, depending on the users
browser.
We use cookies to help us administer the Online
Banking section. Some browsers allow you to reject cookies from
servers. If you don't allow us to set a cookie upon entering the
site, you will not be able to log in. The cookie we set contains
information we need for security, and allows us to 'time out' your
authority to view information. We place the cookie with instructions
that it can only be sent to a server in our Online Banking domain (homecu.net).
A cookie cannot be used to extract data from your PC. We do not
store your Access Code, User Id or Password in your cookie.
The cookie we set will 'time out' your access
authority to our Online Banking section. Until it times out, you can
come back to our Online Banking without logging in. After the time
out period, you will need to log in again. Remember, most browsers
will let you use a BACK button to view previously visited documents,
even if your viewing authority has expired. For this reason, the
only way to keep others from viewing your account balance is to exit
the browser when you are finished with your session. This is
especially important if you are using a public or shared computer.
Protecting Children's Online Privacy:
We do not knowingly collect, nor is our Online Banking site designed
or directed, to use personal information from children under the age
of 13 without containing verifiable consent from their parents.
Should a child whom we know to be under the age of 13 send personal
information to us, we will only use that information to respond
directly to that child, seek parental consent or provide parental
notice.
Privacy:
Our Online Banking database is a private system operated for the
exclusive use of our members. We use SSL encryption and digital
server authentication to insure the privacy of your information when
sending data between our Online Banking server and your PC.
All Online Banking logins are logged by the
server. For authenticated members who use Online Banking, we collect
and store certain information such as how often you visit the Online
Banking section, dates and times of visits and which pages are being
used. We use this information for internal review and product
evaluation only. We never sell, transfer or trade this information
unless we are compelled to do so by law.
We may gather and store additional information
available to us on failed login attempts and other activity we
consider a threat to our system. In these cases, we will share this
information with other companies, agencies and law enforcement
officials as we see fit.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost or stolen
and immediately change your password from within the Online Banking
section. Calling is the best way to notify us immediately. You could
lose all the money in your account. If you tell us within two (2)
business days, you can lose no more than $50 if someone used your
password without your permission.
Also, if your statement shows transfers that you
did not make, tell us at once. If you do not tell us within sixty
(60) days after the statement was mailed to you, you may not get
back any money you lost after the sixty (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 will
extend the time periods.
If you believe your password has been lost or
stolen or that someone has transferred or may transfer money from
your account without your permission, call:
216-573-6700
or write:
Ohio Teamsters Credit Union
6100 Rockside Woods Suite 150
Independence, Oh 44131
Statements:
All transactions generated by you through our Online Banking service
and any Online Banking fees will appear on your monthly or quarterly
statement.
Our Liability:
If we do not complete a transfer to or from your account on time or
in the correct amount according to our agreement/disclosure with
you, we will be liable for your losses or damages. However, there
are some exceptions. We will not be liable, for instance:
If, through no fault of ours, you do not have
enough money in your account to make the transfer;
If the Online Banking equipment or software was
not working properly and you knew about the breakdown when you
started the transfer;
If circumstances beyond our control (such as fire
or flood) prevent the transfer despite reasonable precautions that
we have taken.
We shall not be responsible for any other loss,
damage or injury whether caused by the equipment, software and/or
the Online Banking service, nor shall we be responsible for any
direct, indirect, special or consequential damages arising in any
way out of the installation, use or maintenance of your equipment,
software and/or service, except where the law requires a different
standard. We do not make any warranties concerning the equipment,
the software or any part thereof, including, without limitations,
any warranties of fitness for a particular purpose or warranties of
merchantability.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at 216-573-6700 , or write us at 6100 Rockside Woods
Suite 150, Independence, Oh 44131 as soon as you can. We must hear
from you no later than sixty (60) days after you learn of the error.
You will need to tell us:
Your name and account number;
Why you believe there is an error and the dollar amount involved;
Approximately when the error took place.
If you tell us orally, we may require that you
send us your complaint or question in writing within ten (10)
business days. We will tell you the results of our investigation
within ten (10) business days and correct any error promptly. If we
need more time, we may take up to forty-five (45) days to
investigate the complaint, but you will have the use of the funds in
question after the ten (10) business days. If we ask you to put your
complaint or question in writing and we do not receive it within ten
(10) business days, we may not credit your account during the
investigation.
If we decide that there was no error, we will send
you a written explanation within three (3) business days after we
finish our investigation. You may ask for copies of the documents
that we used in our investigation.
If you need more information about our error
resolution procedures, call us at the telephone number shown above.
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