Email and Secure Messaging. You may use secure messaging in the Communications Center or email to send messages to us. Messaging may not, however, be used to initiate a transfer on your account, a debit card PIN change or a stop payment request. We may not immediately receive your message communications that you send and we will not take action based on secure messaging or email requests until we actually receive your message and have a reasonable opportunity to act. If you need to contact Empower immediately regarding an unauthorized transaction or stop payment request, you may call Empower at the telephone number set forth in the Security of Online Banking Services section. SECURITY OF ONLINE BANKING SERVICES. Use of the Empower Federal Credit Union Online & Mobile Banking service is required to access your statements, notices, disclosures online. You agree not to give or make available to unauthorized individuals your Online Banking credentials, including your username, password or other means of access to your account or account records. If you permit other persons access to your account information, including your Online Banking credentials, you may be responsible for any transactions they conduct on your account(s). If you fail to maintain the security of your account information and credentials, including your username or password and Empower suffers a loss, we may terminate your Empower Online Banking Service and account services immediately. If you believe that your account information or credentials, including your username, password or other means to access your account has been lost or stolen, or that someone may attempt to use your account information without your consent or has transferred money without your permission, you must notify Empower Federal Credit Union at once by calling 000-000-0000, during normal business hours. USERNAME. To access Services, you must use your username and password. You will be able to choose your own username and password, provided that it meets our security requirements and is not already in use. PASSWORD. A password is required to access Services in conjunction with your username. To help safeguard your password, you should change it frequently. Your password can be used to access money and information about your Accounts; you are responsible for keeping your password and Account data confidential. You agree you will not provide or give access to your password to another party. Disclosing your password constitutes authorization for use by others and you agree to be liable for their actions, including those of additional parties to whom they may disclose your password, in each case, whether disclosure occurs intentionally or inadvertently. SECOND-FACTOR AUTHENTICATION. Multi-factor authentication options are available to secure your account and are strongly recommended. You can configure second-factor authentication upon your initial enrollment in Online Banking or at any time thereafter. We will never ask you for your second-factor authentication code. Disclosing your authentication code constitutes authorization for use by others and you agree to be liable for their actions, including those of additional parties to whom they may disclose your authentication code, in each case, whether disclosure occurs intentionally or inadvertently.
Appears in 3 contracts
Samples: Online Banking Agreement, Online Banking Agreement, Online Banking Agreement
Email and Secure Messaging. You may use secure messaging in the Communications Center or email to send messages to us. Messaging may not, however, be used to initiate a transfer on your account, a debit card PIN change or a stop payment request. We may not immediately receive your message communications that you send and we will not take action based on secure messaging or email requests until we actually receive your message and have a reasonable opportunity to act. If you need to contact Empower immediately regarding an unauthorized transaction or stop payment request, you may call Empower at the telephone number set forth in the Security of Online Banking Services Liability for Unauthorized Access section. SECURITY OF ONLINE BANKING SERVICESACCESS CODE. Use Access to your accounts requires utilization of the Empower Federal Credit Union Online & Mobile Banking service a Personal Identification Number (PIN) and constitutes your access code ("Access Code"). Your Access Code is required confidential and issued only to access you. Your Access Code should not be disclosed to third parties or recorded. You are responsible for safekeeping your statements, notices, disclosures onlineAccess Code. You may change your Access Code at any time. You agree not to give disclose or otherwise make your Access Code available to unauthorized individuals anyone not authorized to sign on your Online Banking credentials, including your username, password or other means of access to your account or account recordsaccounts. If you permit other persons access disclose your Access Code to your account informationanother person, including your Online Banking credentialswhether it is intentional, accidental, or negligent action, you may be are responsible for any transactions they conduct on your account(s)such action. If you fail to maintain the security of your account information and credentials, including your username or password the Access Code and Empower suffers a loss, we may terminate your Empower Online Banking Service and account services immediately. You waive all present and future claims against Empower and release Empower from all responsibility for loss or damage not caused by Empower's negligence which you might incur through unauthorized transactions of any kind from your account(s) through the custody or use of your PIN or Access Code. LIABILITY FOR UNAUTHORIZED ACCESS. You are responsible for all transfers and bill payments you authorize under this Agreement. If you permit other persons to use the Empower Online Banking Service or your Access Code, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your access code or accessed your accounts through the Empower Online Banking Service without your authorization. Telephoning is the best way of keeping your possible losses down. If you tell us within two (2) business days, you can lose not more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or Access Code, 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 five hundred dollars ($500.00). Also, if your statement shows Empower Online Banking Service 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 lost after the sixty days (60) if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that unauthorized access has occurred or someone has used your account information or credentials, including your username, password or other means to access your account has been lost or stolen, or that someone may attempt to use your account information without your consent Access Code or has transferred or may transfer money from your account without your permission, you must notify call Empower at: 000.000.0000 or 800.462.5000 or write to: Empower Federal Credit Union at once by calling 000-000-00001 Member Way Syracuse, during normal NY 13212 BUSINESS DAYS. Our business hoursdays are Monday through Friday, excluding federal holidays. USERNAMEFEES AND CHARGES. To access There are no charges for using Empower Online Banking and Bill Payment Services, you must use your username and password. You will be able to choose your own username and password, provided that it meets our security requirements and is not already in use. PASSWORD. A password is required to access Services in conjunction with your username. To help safeguard your password, you should change it frequently. Your password can be used to access money and information about your Accounts; you are responsible for keeping your password and Account data confidential. You agree you will not provide or give access however any fees applicable to your password accounts with Empower as set forth on Empower's Fee Schedule will apply. From time to another party. Disclosing your password constitutes authorization for use by others and you agree to time, the charges may be liable for their actions, including those of additional parties to whom they may disclose your password, in each case, whether disclosure occurs intentionally or inadvertently. SECOND-FACTOR AUTHENTICATION. Multi-factor authentication options are available to secure your account and are strongly recommended. You can configure second-factor authentication upon your initial enrollment in Online Banking or at any time thereafterchanged. We will never ask notify you for of any changes as required by law. If you request a transfer from your second-factor authentication code. Disclosing line of credit account, such transactions may be subject to charges under the terms and conditions of your authentication code constitutes authorization for use by others and you agree to be liable for their actions, including those of additional parties to whom they may disclose your authentication code, in each case, whether disclosure occurs intentionally or inadvertentlyloan agreement.
Appears in 1 contract
Samples: Online Banking Agreement
