Common use of Consumer Accounts Clause in Contracts

Consumer Accounts. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would exceed the credit limit on your line of credit. • If you used the wrong access code or you used an access code in an incorrect manner. • If the card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer does not have enough cash. • If the ATM or POS terminal was not working properly and you knew about the problem when you initiated the transaction. • Circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the funds in your account are subject to legal process or other claim. • If your account is frozen because of a delinquent loan. • If the error was caused by any of the designated ATM networks’ systems. • If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. • If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number, or otherwise; the time you allow for payment delivery was inaccurate; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control, such as a telecommunication system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. • If there are other exceptions as established by the Credit Union. • If the ATM retains your card under certain circumstances, in which event you may contact the Credit Union about its replacement.

Consumer Accounts. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: • If, through no fault of ours, you do not have enough money sufficient funds in your account to make complete the transfertransaction, your account is inactive, or the transfer transaction would exceed the credit limit on your line of credit, if applicable. • If you used the wrong access code account or PIN, you used an access code in an incorrect mannerhave not properly followed any applicable service or Credit Union user instructions for making Home Banking, Bill Pay, or Mobile Banking transactions. • If your personal computer malfunctioned or the card has expired phone lines were not working properly or is damaged and cannot be used. • If the ATM where you are making the transfer does not have enough cash. • If the ATM or POS terminal Credit Union computer system was not working properly and you knew about the problem such problem(s) should have been apparent when you initiated the attempted your transaction. • Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If the error was caused by any of the designated ATM networks’ systems. • If you have not given the Credit Union complete, correct, correct and current instructions for us to so the Credit Union can process a transfer or bill paymentthe transaction. • If, through no fault of ours, a bill payment Bill Pay, Home Banking or funds transfer Mobile Banking transaction does not reach a particular payee due to changes in the payee address, account number, number or otherwise; the time you allow for payment delivery was inaccurateinsufficient; payment is lost in the mail or the payee failed to process a payment correctly or in a timely manner; manner and a fee, penalty, or interest charge is assessed against you. • If the an error was caused by a system beyond the Credit Union’s control, 's control such as a telecommunication telecommunications system, an Internet service providerService Provider, or any computer virus or problems related to software not provided by the Credit Union. • If there are other exceptions as established by the Credit Union. • If the ATM retains your card under certain circumstances, in which event you may contact the Credit Union about its replacement.

Consumer Accounts. If we do not complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: •  If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would exceed the credit limit on your line of credit. •  If you used the wrong access code or you used an access code in an incorrect manner. •  If the card has expired or is damaged and cannot be used. •  If the ATM where you are making the transfer does not have enough cash. •  If the ATM or POS terminal was not working properly and you knew about the problem when you initiated the transaction. •  Circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. •  If the funds in your account are subject to legal process or other claim. •  If your account is frozen because of a delinquent loan. •  If the error was caused by any of the designated ATM networks’ systems. •  If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill xxxx payment. •  If, through no fault of ours, a bill xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number, or otherwise; the time you allow for payment delivery was inaccurate; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you. •  If the error was caused by a system beyond the Credit Union’s control, such as a telecommunication system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. •  If there are other exceptions as established by the Credit Union. •  If the ATM retains your card under certain circumstances, in which event you may contact the Credit Union about its replacement.