Home Banking Terms and Conditions

E-Branch.
If we approve E-Branch for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your E-Branch accounts. At the present time, you may use E-Branch to:

-Withdraw funds from your share and share draft accounts.
-Transfer funds from your share and share draft accounts.
-Set up recurring transfers
-Make loan payments from your share and share draft accounts.
-Determine if a particular item has cleared.
-Verify the last date and amount of your payroll deposit.
-View pending transactions.
-View current rates.
-Bill Pay if you have a share draft account.
-Apply for a loan.
-Shop our AutoSmart site.
-Sign up for e-Alerts.
-Sign up for e-statements.
-Activate your mobile banking.
-Change your address/email.
-Contact the Credit Union.

Your accounts can be accessed under E-Branch via personal computer. E-Branch will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address on file. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.

Bill Pay.
We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.
We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by vendor.

The following limitations on Bill Pay transactions may apply:
-There is no limit on the number of bill payments per day.

Security of Access Code.
You may use one (1) or more access codes with your electronic fund transfers. The access codes issued to you are for your security purposes. Any access codes issued to you are confidential and should not be disclosed to third parties. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, their authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security to these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.

Periodic Statements.
Transfers and withdraws made through any ATM or POS terminal, debit card transactions, preauthorized EFTs or online/PC transactions will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
If you should have any questions or concerns about any of the Credit Union Online or E-branch policies and disclosures please call or stop into the Credit Union and pick up an Electronic Fund Transfers Agreement and Disclosure.

Privacy Policy.
Facts:
What does North Platte Union Pacific Employees Credit Union do with your personal information?

Why:Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal Law also requires us to tell you how we collect, share, and protect your personal information. Please read the notice carefully to understand what we do.

What:The types of personal information we collect and share depend on the product or service you have with us.
This information can include:


•Social security number and account balances
•Transaction history and payment history
•Credit history and credit score
•Employment or income information
When you are no longer our member, we continue to share your information as described in this notice.


Reason we can share your personal information                                                                                                                                                                                                 
For Everyday business purposes: (We share, and NO, you cannot limit this)
-Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus.       
For our marketing purposes:(We share, and NO, you cannot limit this)
-To offer our products and services to you.                                                                                                       
For joint marketing with other financial institutions. (WE DO NOT SHARE)                                                                                               
For our affiliates’ everyday business purposes: (WE DO NOT SHARE)
-Information about your transactions and experiences.                                                                                               
For our affiliates’ everyday business purposes: (WE DO NOT SHARE)
-Information about your creditworthiness.                                                                                                       
For our affiliates to market you. (We share, and No, you cannot limit this)                                                                                                             
For non-affiliates to market you. (WE DO NOT SHARE)                                                                                                               
What we do
How does UP Employees Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measure that comply with federal law. These measures include computer safeguards and secured files and buildings. We have an Information Security Program and a Code of Ethics. All employees are expected to abide by programs and policies established in an effort to protect customer information.


How does UP Employees Credit Union collect my personal information?

 We collect your personal information, for example, when you:
•Open an account or deposit money
•Pay your bills or apply for a loan
•Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.


Why can’t I limit all sharing?  

Federal law gives you the right to limit only:
•Sharing for affiliates’ everyday business purposes-information about your creditworthiness
•Affiliates from using your information to market to you
•Sharing for non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and non-financial companies.
•Cuna Mutual Group
Non-affiliates  Companies not related by common ownership or control. They can be financial and non-financial companies.
•None
Joint Marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.
•None
Questions? Call (308) 532-4426 or go to www.upemployeescu.com
North Platte Union Pacific Employees Credit Union
420 Rodeo Rd.
North Platte, NE 69101