Introduction:
This page explains the terms
and conditions for using our Home Banking Service and provides
certain disclosures and information to you concerning the service.
Each of your accounts at Utility Employees 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 Home Banking service, you
must have your account number and an 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 Utility Employees Credit Union at once at (217) 875-1845.
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 Home Banking service, call
(217) 875-1845 or visit the credit union for these functions.
To get an initial password for
the Home Banking service, visit the credit union office or call
us at (217) 875-1845.
Fees:
There is currently no fee for accessing your account(s) through
our 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.
- Check Withdrawals: You
may request a check be mailed to you from your account.
- 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. 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.
- 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 Home
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 such as Quicken® and MS Money®.
- View Check Images: You
may view and print images of paid checks that have cleared
your account.
- Check orders: You may
reorder checks and/or view and order new check styles available
through Liberty Check Printers and 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.
- Password Changes: If
you are an 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.
- Additional Services:
From time to time, we will announce additional services
which are available through our 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 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 user's 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. The best way is to completely
close out of the Internet entirely, so the next person to get
on will have to start with a new connection and a new browser.
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 determine necessary or as
we are required by law.
Protecting Children's
Online Privacy:
We do not knowingly collect, nor is our Home 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.
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.
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:
(217) 875-1845
or write:
Utility Employees Credit Union
2773 N. Main St, Decatur, IL 62526
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, flood or power failure) 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.
Termination of Electronic
Fund Transfer Services:
You agree that we may terminate
this Agreement and your electronic fund transfer services if
you, or any authorized user of your Home Banking services or
password, breach this or any other agreement with us; or if
we have reason to believe that there has been an unauthorized
use of your accounts or password.
You or any other party to your
account can terminate this Agreement by notifying us in writing.
Termination of service will be effective the first business
day following receipt of your written notice. Termination of
this Agreement will not affect the rights and responsibilities
of the parties under this Agreement for transactions initiated
before termination.
Home Banking services may be
terminated to those members that cause a loss to the Credit
Union.
Notices:
The Credit Union reserves the
right to change the terms and conditions upon which this service
is offered. The Credit Union will mail notice to you at least
thirty (30) days before the effective date of any change, as
required by law. Use of this service is subject to existing
regulations governing the Credit Union account and any future
changes to those regulations.
Errors and Questions:
In case of errors or questions
about your electronic transfers, telephone us at (217) 875-1845
or write us at 2773 N. Main St, Decatur, IL 62526 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.
We will notify you with the results
within three (3) business days of completing our investigation.
If we decide there was no error, we will send you a written
explanation. You may request 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.