| Home Banking Service Agreement
Agreement last revised: September 22, 2003
Community Credit Union and its partners require that all
visitors to our site review, abide by, and agree to ALL of
the terms, polices, and conditions that are outlined in our
USER AGREEMENT, PRIVACY POLICY, and HOME BANKING SERVICE AGREEMENT.
By accessing this site and or logging into our Home Banking
service you are acknowledging your acceptance of this agreement
and YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS outlined
herein.
“We” and “Our” refers to Community
Credit Union, Community Credit Union’s partners, and
all employees employed therein. “Visitor”, “User”,
and “You” refer to anyone who accesses, views,
and or downloads information to and or from our website.
1. All accounts are regulated by the “Truth in Savings”
disclosure that you received when you opened your account.
2. Passwords are provided for your protection. This password
should be kept confidential. Users are encouraged to change
their passwords on a regular basis to ensure the security
of their accounts. If you believe your password has been lost,
stolen, or otherwise compromised in anyway you are required
to notify us immediately to minimize liability for unauthorized
use of your account.
3. Home Banking is provided as a service to our members. The
accuracy and the timeliness of our information is our number
one priority. However, Community Credit Union and it partners
provide NO guarantee or warranty whether written or implied
regarding the accuracy of the information obtained from our
site.
4. Home Banking services are provided at no extra charge.
However, you may incur fees due to your use of this service
if it causes your account to be overdrawn. All fees that were
outlined in your original membership agreement still apply.
5. We are not responsible for any usage fees, service charges,
or any other fees that are charged by your Internet Service
Provider(s).
6. Users are granted strict and explicit access to their
own personal information. Each user will be allowed to:
· View account balances and transaction history.
· Make transfers to accounts within the credit union.
Transfers may also be performed to other members within the
credit union.
· Change their password.
· Search for cleared checks.
· If available, view cleared checks online.
· Access any additional services that users are granted
explicit privileges to.
7. All transactions and fees that take place on the site
will show up on your monthly statement.
8. In the event that there is a dispute regarding transactions
that have taken place through Home Banking, the Credit Union
should be contacted immediately at (253) 531-8080. Written
communication can also be made to the address listed below.
All disputes must be brought to our attention within 60 days
of the statement mailing. All claims will be investigated
by the credit union and the user will be notified within 10
business days of our receiving the complaint. Compensation
will ONLY be provided for the amount of the transaction or
in other words to Debit or Credit the Account for the amount
in question.
9. Community Credit Union and its partners provide the Home
Banking service for information only. Our Home Banking services
are NOT done in real-time. Most transactions will be posted
the following business day, but could take longer due to unforeseen
circumstances. Credit Unions business days are Monday through
Friday. We are closed on Federal, State, and Local holidays
so they are not counted as business days.
10. Responsibility for intentional or unintentional inaccuracy
resides with the customer. If for any reason you believe your
account is inaccurate you are responsible to notify the Credit
Union as soon as possible so that adjustments may be made.
11. Personal and financial privacy is one of our highest
priorities. We make every effort to ensure your data’s
security. VeriSign’s security seal is on our website
showing that we use SSL 128 bit encryption meeting all Federal,
State, and local laws regarding data transmission. All transactions
are logged and recorded to prevent abuse of the Home Banking
service. In the event of misuse or abuse of our services your
information may be provided to the proper authorities.
12. Information gathered and held on our site is for Community
Credit Union strict business use and is available to Credit
Union employees on a need to know basis. Your information
will not be sold to, traded with, or given to any third party
unless the law requires us to.
13. The Laws of the State of Washington apply to all Terms,
Conditions, and Policies found herein. In the event that any
portion of this Agreement is found to be invalid, or unenforceable
the laws of the State of Washington will supersede the term
in question and the law that most closely expresses this agreements
purpose and intent will be applied.
14. Your Credit Union may be contacted at:
Community Credit Union
P O Box 44643
Tacoma, WA 98444
(253) 531-8080
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