MembersOwn Credit Union Home Banking Agreement and Mobile Banking Disclosure Statement
1391 S 33rd St., Lincoln, NE 68510-4508
Terms and Modifications to Service
The terms and conditions of these services are subject to change without notification to you, unless prior notification is required by law. MembersOwn Credit Union reserves the right to revoke or refuse home banking or mobile banking services. We may cancel your home banking or mobile banking services at any time with or without written notice to you. For example (and not excluding other examples), if you do not provide us with your current mailing address, we may cancel your services until you provide us with your current address. If you believe we may not have your current address, please contact us at the phone number or address listed, or use the “address change” feature in home banking.
By using home banking or mobile banking, you agree to accept responsibility for protecting the integrity of your password and challenge question answers. In order to help prevent unauthorized transactions within home banking, you also agree to ensure the security of the personal computer (pc) or mobile device you own and/or use to access MembersOwn Credit Union Home Banking. You also agree that MembersOwn Credit Union may revoke home banking access if unauthorized transactions occur as a result of your negligence in safeguarding the password, and challenge question answers; or as a result of your negligence in ensuring the security of the pc or mobile device you own or use to access the MembersOwn Credit Union Home Banking service, as described above. Further, you agree that if MembersOwn Credit Union is notified that you have included the credit union in the filing of a petition of bankruptcy, MembersOwn Credit Union may revoke or refuse access to home banking. Notify us AT ONCE if you believe your account has been accessed without your authority. The best way to minimize your possible loss is to telephone, although you may advise us in person or in writing.
Controlling Law and Users Responsibilities.
Our web site and the electronic services that we provide (excluding linked sites) are controlled by the credit union from its principal office in Lincoln, Nebraska, which law governs this agreement. While you may choose to access our web site and electronic services from other locations, we make no representation that any information, materials, or functions included in our web site or via our electronic service are appropriate or authorized for use in other jurisdictions.
Types of Available Transfers and Limits on Transfers
With MembersOwn Credit Union home banking and mobile banking, you can make transfers between your savings and checking accounts; and from your savings and checking to pay your loans. You may also make transfers from your line of credit loans to your savings and checking accounts. You may transfer funds to or from your checking account at MembersOwn Credit Union to or from your checking account at another financial institution via the Automated Clearing House (ACH). There is no limit on the number of transfers from your savings account that are made in person or by mail; or if they are made to make monthly payments on MembersOwn loans, to have funds mailed directly to you. Federal regulations limit the number of certain types of transfers and/or withdrawals you can make from your savings account to six per calendar month. The types of transfers that are limited are those requested by fax, telephone, Internet, and pre-authorized transfers.
MembersOwn Credit Union does not charge for transfers initiated via home banking, viewing account information via the internet or for the companion e-Bill Pay service or any other services offered through home banking. MembersOwn Credit Union reserves the right to charge for home banking or e-Bill Pay or other services. You will be given at least 21 days advance notice before MembersOwn Credit Union implements any new fees for home banking services.
You will receive a monthly savings and checking account statement for each month in which you initiate electronic transactions via an automatic teller, debit at the point of sale, or use the automated telephone service or home banking, unless you choose to suppress your statement. At a minimum, you will receive a quarterly savings account statement. Additionally, you can view all of your savings and checking transaction activity through home banking as well as sign up to receive your statements electronically.
Privacy Account Information Disclosure
As a member you have received a privacy disclosure from us. We will disclose information to third parties about your account or the transactions you make:
· If we return checks on your account drawn on non-sufficient funds, or if we are unable to complete an electronic transfer because of non-sufficient funds.
· When it is necessary for completing transfers.
· In order to verify the existence or conditions of your account for a third party, such as a credit bureau or merchant.
· In order to comply with government agency or court orders.
· If you give us your written permission.
In Case of Errors or Questions About Your Electronic Transfers
If you think your statement or receipt is wrong, or if you need more information about a transaction listed on the statement or receipt, telephone us toll-free as soon as possible to 1-800-588-5365. Otherwise, write us at: MembersOwn Credit Union, 1391 S 33rd St, Lincoln NE 68510-4508. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared.
· Tell us your name and account number.
· Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
· Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We will notify you of the results of our investigation within ten (10) business days (twenty  business days for new accounts) of hearing from you, and we will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within ten (10) business days (twenty  business days for new accounts) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. A provisional credit is a temporary credit adjustment made to your account during the time it takes us to complete our investigation. 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 remove the provisional credit from your account. Please note that contacting us by telephone will not preserve your rights.
If it is determined that there was no error, we will send you a written explanation within three (3) business days of completing our investigation, and any provisional credits will be reversed. If you do not have sufficient funds in your account to cover the amount of the provisional credit, the account will be overdrawn, and you will be responsible for payment. You may ask for copies of the documents that we used in our investigation.
MembersOwn Credit Union’s business days are Monday through Friday, excluding Federal holidays.
MembersOwn Credit Union Credit Union Mobile Banking
Description of MembersOwn Credit Union Credit Union Mobile Banking
What Does MembersOwn Credit Union Credit Union Mobile Banking Include?
MembersOwn Credit Union mobile banking includes Wireless Application Protocol (WAP). WAP is the mobile banking website and requires Internet access on your mobile device. The mobile banking website allows you to view your account balance, review recent account history, and transfer funds between your accounts. From time to time, MembersOwn Credit Union may develop additional mobile banking services. As such services are developed; you will have the opportunity to add them to your MembersOwn Credit Union mobile banking service, provided you have compatible wireless hardware and software.
How to Register For MembersOwn Credit Union Credit Union Mobile Banking
You must first register for MembersOwn Credit Union mobile banking from a personal computer, not from a mobile device, via the “Mobile Bank Set Up” tab in home banking. You will be provided with free access to the mobile banking website services.
Relationship to Other Agreements—Mobile Banking
You agree that when you use mobile banking services, you will remain subject to the terms and conditions of all existing agreements with us, and our affiliates. You acknowledge that certain wireless service providers and/or wireless carriers may assess fees, limitations, and/or restrictions which might impact your use of mobile banking (for example, your mobile service carrier or provider may impose data usage or text charges for your use of or interaction with mobile banking, including downloading the software, receiving or sending mobile banking text messages, or other use of your wireless device when using the software or other products and services provided by Mobile Banking).
You expressly agree that you are solely responsible for all such fees, limitations, and restrictions; and that we may contact you via your wireless device for any purpose concerning your accounts at MembersOwn Credit Union, including account servicing and collection purposes.
By choosing to enroll in the Electronic Notices and Alerts (“e-notices and e-alerts”) offering you agree to accept various account related notices by email delivery. Your online e-notice and e-alert services may include:
• Certificate Renewal Notice
• Notice of Past Due Payment
• NSF/Overdraft Notice
• Account Balance
• Funds Deposited
• Funds Withdrawn
• Check Cleared
You must have an e-mail address on file in order to receive and view e-notices. Upon agreeing to receive e-notices online, the paper version(s) will not be mailed to you. You will not have the right to request and receive e-notices in paper form unless you terminate the e-notices service in the “e-notices” section of home banking. You may withdraw your consent to receive e-notices or change your e-mail address at any time by using the home banking function to un-enroll or edit your e-mail address. It is your responsibility to inform the credit union of any change in your e-notice delivery options and/or e-mail address by updating it yourself. There are no fees or account restrictions for choosing to withdraw your consent for online e-notices or changing your email address.
You must have an e-mail address or mobile phone number (for texts) to receive e-alerts. Any text message costs charged by your mobile phone provider are your responsibility.