Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. You may use your ATM card (Card) and Personal Identification Number (PIN) in automated teller machines of the Credit Union; STAR/MAC, Plus, and Co-op Networks; and such other machines we may designate. At the present time, you may use your card to make the following transactions on your accounts: Withdraw cash from your savings or checking accounts. Transfer funds between your savings, checking accounts or loan accounts. Obtain account balance information on savings and checking accounts. Make loan payments from savings or checking accounts. Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) day. You may withdraw up to $1,010 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM and including any applicable fees. You may transfer between your share, savings or checking accounts up to the balance in your accounts at the time of the transfer at available locations.
Appears in 1 contract
Samples: www.cascadecu.org
Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. You may use your ATM card (Card) and Personal Identification Number (PIN) in automated teller machines of the Credit Union; STAR/MAC, Plus, and Co-op Networks; and such other machines we may designate. At the present time, you may use your card to make the following transactions on your accounts: • Withdraw cash from your savings or checking accounts. • Transfer funds between your savings, checking accounts or loan accounts. • Obtain account balance information on savings and checking accounts. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) day. You may withdraw up to $1,010 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM and including any applicable fees. You may transfer between your share, savings or checking accounts up to the balance in your accounts at the time of the transfer at available locations.
Appears in 1 contract
Samples: www.cascadecu.org
Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. VISA Debit Card You may use your ATM card VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (CardPOS) and Personal Identification Number (PIN) in automated teller machines of terminals within the Credit Union; STAR/MAC, PlusPLUS, and Co-op Networks; Op, STAR and Visa International networks or such other machines we POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the Overdraft Service or may terminate all services under the Agreement. At the present time, you may use your card Debit Card to make the following transactions on your accounts: • Withdraw cash from your savings savings, or checking accounts. • Transfer funds between your savings, checking accounts or loan accounts. • Obtain account balance information on savings and checking accounts. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. There is no limit on the number of POS purchase transactions you may make by Card during a statement period. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) purchase amounts up to a maximum of $2,500.00 or 15 transactions per day. You may withdraw up to $1,010 500.00 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM ATM. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set security requirements and including other limits on the amount of any applicable feestransaction, and you will be notified of those limits. You The Credit Union may transfer between your share, savings or checking accounts up refuse to the balance in your accounts at the time of the transfer at honor any transaction for which you do not have sufficient available locationsverified funds.
Appears in 1 contract
Samples: nwpreferredfcu.com
Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. VISA Debit Card You may use your ATM card VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (CardPOS) and Personal Identification Number (PIN) in automated teller machines of terminals within the Credit Union; STAR/MAC, PlusPLUS, and Co-op Networks; Op, STAR and Visa International networks or such other machines we POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the Overdraft Service or may terminate all services under the Agreement. At the present time, you may use your card Debit Card to make the following transactions on your accounts: • Withdraw cash from your savings savings, or checking accounts. • Transfer funds between your savings, checking accounts or loan accounts. • Obtain account balance information on savings and checking accounts. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. There is no limit on the number of POS purchase transactions you may make by Card during a statement period. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) purchase amounts up to a maximum of $2,500.00 or 15 transactions per day. You may withdraw up to $1,010 500.00 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM ATM. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set security requirements and including other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. Currency Conversion/International Transaction Fee Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable feestransaction, which rate may vary from the rate VISA itself receives, or the rate mandated by a government or governing body in effect for the applicable Transaction. In addition, you will be charged an International Transaction Fee of 1% for any card transaction made in a foreign country. This fee applies to any card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. Preauthorized Electronic Funds Transfers and Direct Deposit Preauthorized electronic funds transfers may be made into or from your Credit Union accounts. These may include preauthorized electronic funds transfers made to an account from a third party (such as Social Security or your employer) or from an account to a third party (such as a mortgage company or insurance premium payment, excluding bill payment transactions). If electronic funds transfers are made into or from your account, those payments may be affected by a change in your account status or if you transfer or lose your account. Upon instruction of (i) your employer, (ii) the Treasury Department, or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security. Security of Access Code (Password) The access code is your Password you select for your security. Your Password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your Password. You agree not to disclose or otherwise make your Password or Wireless Device for Mobile Banking available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your Password or Wireless Device, you understand that person may use the Online Banking, Mobile Banking or Bill Pay service to access and review all of your account information and execute account transactions. Therefore, we are entitled to act on transaction instructions received using your Password and you agree that the use of your Password will have the same effect as your signature authorizing transactions. If you authorize anyone to use your Password in any manner that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Password immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your Password is changed. If you fail to change your Password or maintain the security of your Password and the Credit Union suffers a loss, we may terminate your electronic services immediately. Acceptable Use You may not use the Electronic Services for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. You agree that all transactions that you initiate by use of the Electronic Services are legal in the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your electronic funds transfers may only be conducted for legal transactions. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Electronic Services, regardless of the purpose of the use, and for all communications you send through the Electronic Services. Member Liability You are solely responsible for all transfers you authorize using any Services under this Agreement. If you permit other persons to use your Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your Accounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, Bill Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, you must notify us immediately if you believe anyone has used your Password and accessed your accounts without your authorization. For EFT transactions, if you notify us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized use of your account or Password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. If your statement shows EFT transactions that you did not make, notify us immediately. If you do not notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from notifying us, we may extend the time period. If you believe your Password has been lost or stolen or that someone has transferred or may transfer between funds from your shareaccount without your permission, savings or checking accounts up to the balance in your accounts at the time contact us immediately by one of the transfer following: • Telephone: 000.000.0000 • In person at available locations.one of the NW Preferred Federal Credit Union branches. • Mail: NW Preferred Federal Credit Union, PO Box 231269, Portland, OR 97281 Business Days Our business days are Monday through Friday, excluding federal holidays. Fees and Charges The fees and charges for the electronic services are set forth in the Rate and Fee Schedule. Fees and charges may be changed from time to time, as disclosed on our current Rate and Fee Schedule. We will notify you of any changes as required by law. Transaction & Account Information
Appears in 1 contract
Samples: nwpreferredfcu.com
Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. VISA Debit Card You may use your ATM card VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (CardPOS) and Personal Identification Number (PIN) in automated teller machines of terminals within the Credit Union; STAR/MAC, PlusPLUS, CO-OP, STAR and Co-op Networks; and Visa International networks or such other machines we POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the Overdraft Service or may terminate all services under the Agreement. At the present time, you may use your card Debit Card to make the following transactions on your accounts: • Withdraw cash from your savings savings, or checking accounts. • Transfer funds between your savings, checking accounts or loan accounts. • Obtain account balance information on savings and checking accounts. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. There is no limit on the number of POS purchase transactions you may make by Card during a statement period. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) purchase amounts up to a maximum of $2,500.00 or 15 transactions per day. You may withdraw up to $1,010 500.00 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM ATM. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set security requirements and including other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. Currency Conversion/International Transaction Fee Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable feestransaction, which rate may vary from the rate VISA itself receives, or the rate mandated by a government or governing body in effect for the applicable Transaction. In addition, you will be charged an International Transaction Fee of 1% for any card transaction made in a foreign country. This fee applies to any card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. Preauthorized Electronic Funds Transfers and Direct Deposit Preauthorized electronic funds transfers may be made into or from your Credit Union accounts. These may include preauthorized electronic funds transfers made to an account from a third party (such as Social Security or your employer) or from an account to a third party (such as a mortgage company or insurance premium payment, excluding bill payment transactions). If electronic funds transfers are made into or from your account, those payments may be affected by a change in your account status or if you transfer or lose your account. Upon instruction of (i) your employer, (ii) the Treasury Department, or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security. Security of Access Code (Password) The access code is your Password you select for your security. Your Password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your Password. You agree not to disclose or otherwise make your Password or Wireless Device for Mobile Banking available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your Password or Wireless Device, you understand that person may use the Online Banking, Mobile Banking or Bill Pay service to access and review all of your account information and execute account transactions. Therefore, we are entitled to act on transaction instructions received using your Password and you agree that the use of your Password will have the same effect as your signature authorizing transactions. If you authorize anyone to use your Password in any manner that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Password immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your Password is changed. If you fail to change your Password or maintain the security of your Password and the Credit Union suffers a loss, we may terminate your electronic services immediately. Acceptable Use You may not use the Electronic Services for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. You agree that all transactions that you initiate by use of the Electronic Services are legal in the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your electronic funds transfers may only be conducted for legal transactions. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Electronic Services, regardless of the purpose of the use, and for all communications you send through the Electronic Services. Member Liability You are solely responsible for all transfers you authorize using any Services under this Agreement. If you permit other persons to use your Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your Accounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, Bill Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, you must notify us immediately if you believe anyone has used your Password and accessed your accounts without your authorization. For EFT transactions, if you notify us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized use of your account or Password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. If your statement shows EFT transactions that you did not make, notify us immediately. If you do not notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from notifying us, we may extend the time period. If you believe your Password has been lost or stolen or that someone has transferred or may transfer between funds from your shareaccount without your permission, savings or checking accounts up to the balance in your accounts at the time contact us immediately by one of the transfer following: • Telephone: 000.000.0000 • In person at available locations.one of the NW Preferred Federal Credit Union branches. • Mail: NW Preferred Federal Credit Union, PO Box 231269, Portland, OR 97281 Business Days Our business days are Monday through Friday, excluding federal holidays. Fees and Charges The fees and charges for the electronic services are set forth in the Rate and Fee Schedule. Fees and charges may be changed from time to time, as disclosed on our current Rate and Fee Schedule. We will notify you of any changes as required by law. Transaction & Account Information
Appears in 1 contract
Samples: nwpreferredfcu.com
Additional Service Limitations. Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking. These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, mis delivery misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking. Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current. You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly. ATM Transactions. VISA Debit Card You may use your ATM card VISA Debit Card to purchase goods and services any place your Card is honored by participating merchants, including Point of Sale (CardPOS) and Personal Identification Number (PIN) in automated teller machines of terminals within the Credit Union; STAR/MAC, PlusPLUS, CO-OP, STAR and Co-op Networks; and Visa International networks or such other machines we POS terminals as the Credit Union may designate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the Overdraft Service or may terminate all services under the Agreement. At the present time, you may use your card Debit Card to make the following transactions on your accounts: • Withdraw cash from your savings savings, or checking accounts. • Transfer funds between your savings, checking accounts or loan accounts. • Obtain account balance information on savings and checking accounts. • Make loan payments from savings or checking accounts. • Make deposits to your savings or checking accounts at Credit Union ATMs and selected Co-op Network ATMs. There is no limit on the number of POS purchase transactions you may make by Card during a statement period. You may make ten (10) withdrawals at Credit Union ATMs and nonproprietary ATMs in anyone (1) purchase amounts up to a maximum of $2,500.00 or 15 transactions per day. You may withdraw up to $1,010 500.00 (if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM ATM. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set security requirements and including other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. Currency Conversion/International Transaction Fee Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable feestransaction, which rate may vary from the rate VISA itself receives, or the rate mandated by a government or governing body in effect for the applicable Transaction. In addition, you will be charged an International Transaction Fee of 1% for any card transaction made in a foreign country. This fee applies to any card transaction made at a location in a foreign country, or payable to a merchant located in a foreign country even if you initiate the transaction from within the United States. Preauthorized Electronic Funds Transfers and Direct Deposit Preauthorized electronic funds transfers may be made into or from your Credit Union accounts. These may include preauthorized electronic funds transfers made to an account from a third party (such as Social Security or your employer) or from an account to a third party (such as a mortgage company or insurance premium payment, excluding bill payment transactions). If electronic funds transfers are made into or from your account, those payments may be affected by a change in your account status or if you transfer or lose your account. Upon instruction of (i) your employer, (ii) the Treasury Department, or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of federal recurring payments, such as Social Security. Security of Access Code (Password) The access code is your Password you select for your security. Your Password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your Password. You agree not to disclose or otherwise make your Password or Wireless Device for Mobile Banking available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your Password or Wireless Device, you understand that person may use the Online Banking, Mobile Banking or Bill Pay service to access and review all of your account information and execute account transactions. Therefore, we are entitled to act on transaction instructions received using your Password and you agree that the use of your Password will have the same effect as your signature authorizing transactions. If you authorize anyone to use your Password in any manner that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your Password immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your Password is changed. If you fail to change your Password or maintain the security of your Password and the Credit Union suffers a loss, we may terminate your electronic services immediately. Acceptable Use You may not use the Electronic Services for any illegal or unlawful transaction, and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness. You agree that all transactions that you initiate by use of the Electronic Services are legal in the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your electronic funds transfers may only be conducted for legal transactions. You agree that you are independently responsible for complying with all applicable laws in all of your activities related to your use of the Electronic Services, regardless of the purpose of the use, and for all communications you send through the Electronic Services. Member Liability You are solely responsible for all transfers you authorize using any Services under this Agreement. If you permit other persons to use your Password or access code and initiate transactions with this Service, you are responsible for any transactions they authorize or conduct on any of your Accounts. For EFT transactions on a consumer deposit account, under this Agreement, you are responsible for all transactions you authorize using Online Banking, Mobile Banking, Bill Pay, and any other Electronic Service. For consumer accounts, transactions by family members or friends that you allow on your Account are authorized by you. If you permit other persons to use your Password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, you must notify us immediately if you believe anyone has used your Password and accessed your accounts without your authorization. For EFT transactions, if you notify us within two (2) business days, you can lose no more than $50 if someone accessed your account without your permission. If you do not notify us within two (2) business days after you learn of the unauthorized use of your account or Password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500. If your statement shows EFT transactions that you did not make, notify us immediately. If you do not notify us within sixty (60) days after the statement was mailed or electronically delivered to you, you may be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized EFT transactions. If a good reason (such as a hospital stay) kept you from notifying us, we may extend the time period. If you believe your Password has been lost or stolen or that someone has transferred or may transfer between funds from your shareaccount without your permission, savings or checking accounts up to the balance in your accounts at the time contact us immediately by one of the transfer following: • Telephone: 000.000.0000 • In person at available locations.one of the NW Preferred Federal Credit Union branches. • Mail: NW Preferred Federal Credit Union, PO Box 231269, Portland, OR 97281 Business Days Our business days are Monday through Friday, excluding federal holidays. Fees and Charges The fees and charges for the electronic services are set forth in the Rate and Fee Schedule. Fees and charges may be changed from time to time, as disclosed on our current Rate and Fee Schedule. We will notify you of any changes as required by law. Transaction & Account Information
Appears in 1 contract
Samples: nwpreferredfcu.com
