Introduction:
This page
explains the terms and conditions for using our
Internet Home Banking Service and provides
certain disclosures and information to you
concerning the service. Each of your accounts at
Elkhorn Federal 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 Internet Home Banking
service, you must have your account number and
an Internet Home Banking password. This
information is requested when you enter our home
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 home 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 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
Elkhorn Federal Credit Union
at once at (406) 449-6055 or (406) 442-9794.
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 Internet Home Banking service,
call (406) 449-8690 or (406) 442-9793 or visit
the credit union for these functions.
To get an initial
password for the Internet Home Banking service,
visit the credit union office or call us at
(406) 449-8690 or (406) 442-9793.
Fees:
There is
currently no fee for accessing your account(s)
through our Internet Home Banking service. We
reserve the right impose / change the fee
amount, if necessary, after providing 30 days
notice to all users at the home 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 or Loan 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 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 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
credit union computer system is always the
official record of account history. The
Internet Home Banking service may be updated
several times per day for your convenience
in viewing account activity.
- Password
Changes: If you
are an Internet Home Banking user, you may
change your password at any time from within
the home banking section. For your
protection we recommend that you change your
home banking password regularly.
- Check
orders: You may reorder
checks and/or view and order new check
styles available through the credit union.
We will not process check order requests if
you do not have a checking account at the
credit union.
- Check
search: You may search for drafts
that have cleared your account. You may also
list clearings by date cleared or by check
number. The oldest check available will vary
but dates will go back, at a minimum, to
your last regular statement date.
- Additional
Services: From time to time,
we will announce additional services which
are available through our Internet Home
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.
Holidays are not included.
Operating
Systems and Security:
Our
Internet home banking site is designed to
operate using world wide web technologies and
protocols which are adaptable to a wide range of
systems. The home 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 home 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 home 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
home banking section. Until it times out, you
can come back to our home 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.
Privacy:
Our home
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 home banking server and
your PC.
All home banking
logins are logged by the server. For
authenticated members who use home banking, we
collect and store certain information such as
how often you visit the home 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 home 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.
If you do NOT
tell us within two (2) business days after you
learn of the loss or theft of your password, and
we can prove we could have stopped someone from
using your password without your permission if
you had told us, you could lose as much as $500.
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:
(406)
449-6055 or (406) 442-9794
or write:
Elkhorn Federal Credit Union
P.O. Box 5508 Helena, MT 59604
Statements:
All
transactions generated by you through our home
banking service and any home 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
home 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 home 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 (406) 449-8690
or (406) 442-9793 or write us at P.O. Box
5508 Helena, MT 59604 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 (406) 449-8690 or (406) 442-9793.
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