|
|
Before
proceeding with your enrollment you must agree with the
terms, conditions, and
disclosures outlined on this page.
| Web
Teller , Web Teller with E-Statements and Web Teller with Bill Payment Electronic Delivery of Disclosures, Notices, and Responses You have requested Web Teller or Web Teller with Bill Payment (jointly referred to as the "Service"). We are required by Law to provide certain information to you when you sign up for the Service. This information includes the initial disclosure required by the Electronic Funds Transfer Act and Regulation E (jointly "EFTA"). We require that you receive that information electronically in order to enroll for the Service. In addition, while you are a subscriber to the Service, there may be other disclosures, notices, or other communications we are required to give you pursuant to EFTA, depending on the circumstances. This includes any notice we are required to provide pursuant to EFTA if we make changes to the Service, as well as any responses we are required to provide to you if you assert that an error or unauthorized transaction has occurred in connection with the Service. In order to continue enjoying the benefits of the Service, we require that you be willing to receive any disclosure, notice, or other communication required pursuant to EFTA electronically. If we provide a disclosure, notice, or other communication to you electronically that we are required to provide to you under EFTA, upon request, we will provide a copy to you at no additional cost. Withdrawing Consent to Electronic Delivery You may provide us notice that you are no longer willing to accept this information electronically. If you withdraw your consent, your subscription to the Service may be terminated automatically. If you wish to withdraw your consent, you may do so by contacting Gerber Federal Credit Union Web Teller Services at (231) 924-4880 or (800) 338-3746. Consent and Acknowledgement This consent applies to the Service and any accounts, which you register to use with the Service. By clicking "yes", you are acknowledging receipt of this notice and are agreeing to accept the disclosures and other information electronically as described above and accepting the following: * Acknowledging receipt of the Notice and Consent regarding Electronic Communications Web Teller / Web Teller with Bill Payment; * Confirming you are able to access and retain this information provided electronically. * Consenting to receipt of the disclosures and other information electronically as described above, and; * Agreeing to the Terms and Conditions for Web Teller with Bill Payment. This Agreement and Disclosure ("Agreement") contains important information and guidelines for using Web Teller and Web Teller with Bill Payment. You should read all of the information contained herein. These are the current terms of your Agreement with Gerber Federal Credit Union for accessing your accounts and making use of other services via Web Teller and Web Teller with Bill Payment. By using the Service, or authorizing others to use it, you agree to these terms. Gerber Federal Credit Union may amend these terms from time to time. You will be notified of any amendments that affect your rights or obligations. Each of your accounts at Gerber Federal Credit Union, which are accessed by the Service, continue to be governed by the applicable Membership and Account Agreement, State and Federal Regulations relating to Deposit Accounts, Electronic Fund Transfer Agreement and Disclosures, and the Rate and Fee Schedule Disclosure. Definition of Terms As used in this Agreement, the following words have the meanings given below: * "Bill Payment" means Web Teller with the Bill Payment feature * "Business Day" means Monday through Friday, except Federal Holidays, Saturday, and Sunday * "Transaction Account" means a share draft checking account owned by a member * "Initiation Day" means the day you initiate a bill for payment * "Law" means Federal Law and Regulation applicable to the Service * "Payee" means the approved individual, merchant or institution you wish to pay using the Web Teller with Bill Payment * "Payment" means instructions for a transfer of funds to a Payee whether by electronic transfer or check * "Payment Processing Day" means Monday through Friday, whether we process your Payment by electronic transfer or check * "Share draft Checking Account" means the account designated for Web Teller with Bill Payment transactions * "Service(s)" means Web Teller or Web Teller with Bill Payment or any other feature for which you have requested * "User ID", "Password", "Pin" means the Gerber Federal Credit Union access code assigned or selected by you * "We", "Us", and "Credit Union" means Gerber Federal Credit Union * "You", "Yours", "Depositor", and "Account Holder" means each person who applies to use Web Teller and Web Teller with Bill Payment Computer Equipment and Software You will need computer hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider and a browser that is SSL compliant (128 bit encryption) which includes Microsoft Internet Explorer 5.5 or greater or Netscape Navigator 4.7 or greater. You are responsible for the installation, maintenance, and operation of the computer and browser software. The risk of error, failure, or non-performance is your risk and includes the risk that you do not operate the computer and software properly. We are not responsible for any loss, damage or injury, whether caused by your equipment or software, the services, or any technical or editorial errors contained in or omissions from any user guide related to the services. We will not be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software or the services, except where the law requires a different standard. Unavailable, Delayed, or Inaccurate Account Information Gerber Federal Credit Union strives to provide complete, accurate, and timely account information through the Service. However, unless otherwise required by Law, we will not be liable to you if any such information is unavailable, delayed, or inaccurate. With respect to electronic funds transfer problems, such as unauthorized transfers or the credit union's failure to properly complete authorized transfers, the extent of our liability is described in this Agreement. New Services We may, from time to time, introduce new services or enhance the existing services. We will notify you when these new or enhanced Services are available. By using these services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you. Signing Up For Web Teller or Web Teller with Bill Payment To use Web Teller you must have an account with Gerber Federal Credit Union that is in good standing. To use the Web Teller with Bill Payment you must have an active share draft checking account. You can activate Web Teller with Bill Payment by clicking on the link provided. You will be asked for your "logon" information with Gerber Federal Credit Union. If you do not have the "logon" information you will need to contact Gerber Federal Credit Union to establish this information. Passwords and Personal Identification Numbers (PINS) We are committed to the security of our member's accounts and account information. However, you must also take every precaution to ensure the safety, security, and integrity of your accounts and transactions provided on the Service. Your User ID, Password, Personal Identification Number (PIN), or Password Clue allows access to your accounts and other services provided herein; providing this information to another person effectively constitutes a grant of authority to access your accounts for all purposes including without limit, under the Electronic Funds Transfer Act and Regulation E; such authorization shall continue until you have notified in writing that such person is not authorized to act with regard to your accounts and the Service. A User ID, Password, PIN, and Password Clue are reasonable and are designed to authenticate your transactions and those transactions, which you authorize others to conduct for you. You agree that you will not disclose, and will prevent the disclosure of your User ID, Password, PIN, and Password Clue. If the confidentiality of your User ID, Password, PIN, or Password Clue is compromised you shall notify us immediately by calling (231) 924-4880 or (800) 338-3746. In the event your User ID, Password, PIN, or Password Clue have been compromised you will be required to establish a new code(s). You assume sole responsibility for maintaining your User ID, Password, PIN, and Password Clue. Scope of Services Web Teller * View account balances * View loan and account histories * Transfer money within your credit union membership * View paid share draft checks * View deposits made to your membership * Download copies of paid share draft checks * Download account history to Quicken or Microsoft Money Web Teller with Bill Payment * Use the Add/Edit Payees feature to create and edit a list of payees to receive payments. * Use the Payments feature to schedule payments of your bills. You select the payment amount and processing date for each payment. Payments will be deducted from your share draft checking account. * Use the Pending Payments feature to verify that payment information you have entered is correct, make any required corrections, or cancel a payment. Pending Payments cannot be used to correct or cancel a payment that has already been sent. Once a payment has been sent, it will no longer appear on the Pending Payments screen. Payments not on the pending screen cannot be stopped. * Use the Web Teller Message Center to receive and send messages. * Use the View Payment History feature to review payments over a specific time period, not to exceed 90 (ninety) days. All payments will be processed against your share draft checking account. You authorize us to use Central Corporate Credit Union or its authorized agents to provide the Service to you on our behalf. Payment of taxes or court directed payments via the Service is prohibited. Funds will arrive at your targeted payee as close as reasonably possible to the date designated by you in your payment instruction (Payment Date). Subject to the Terms, Conditions, and Disclosures set forth in this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment, including without limitation, electronic, paper or other means. For each properly instructed payment to an eligible payee you will receive a transaction accepted message. The Payment Date indicated by you must always be a business day (as previously defined). If it is not, the Payment Date will be deemed to be the first business day following the date indicated. Unless you receive a completion notice that the transaction was accepted successfully, we will not be liable for any failure to make a payment, including any finance charges or late fees incurred as a result. Your Payment Date should always be on or before the Payee Due Date, not the Late Date or Grace Period. Since the time for us to process your payment varies according to the particular payee, you must become familiar with the payment processing time for each payee you desire to pay, allowing the appropriate number of business days between the days you input your payment instruction and the Payment Date. Subject to the limitation discussed below, if you follow the procedures described in the agreement for payments, and you are assessed a penalty or late charge, we will reimburse you for that late charge or penalty up to a maximum of fifty dollars ($50.00). We will not be liable with regard to any Deposit Account or the Service, for instance, if: through no fault of ours, you do not have enough available funds in your Deposit Account to make the payment or transfer or the payment or transfer would exceed permitted overdraft protection you have with us; circumstances beyond our control (such as fire, flood, water damage, power failure, strike, labor dispute, computer breakdown, telephone line disruption, or a natural disaster) prevent or delay the transaction despite reasonable precautions taken by us; your computer, the telephone lines, or the credit union's computer systems were not working properly or were temporarily unavailable, and this problem should have been apparent to you when you attempted the transfer or; the funds in your Deposit Account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; the information supplied by you or a third party involving the Deposit Account, Payment or Transfer, is incorrect, incomplete, or untimely; we have a reasonable basis for believing that unauthorized use of your User ID, Password, or PIN, or account has occurred or may be occurring; the payee does not process a Payment promptly or correctly, or for any other reason specified in this Agreement. You agree to allow at least 6 (six) Business Days between the Initiation Day, if the Payment will be completed by check, and the Payment due date or date you wish the payee to receive the Payment. You must allow at least 3 (three) Business Days between the Initiation Day you schedule a Payment to be initiated, if the Payment will be completed by electronic transfer, and the Payment due date or date you wish the Payee to receive the Payment. In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment instruction is not made in time for us to process your payment prior to the Due Date required by a particular Payee, you will be liable for all penalties and late fees imposed, and we will not be liable for any such penalties or fees. Without limiting the foregoing the credit union shall also not be liable for late charges, interest, penalties, or other amounts incurred by any depositor for the depositor's failure to allow sufficient time for processing and delivery of any payment(s) so long as the credit union has complied with the provisions of this Agreement. Unless otherwise required by Law, the credit union will not be liable to you under any circumstances for special, indirect, or consequential damages, including, without limitation, lost profits or attorneys' fees, even if we are advised in advance of the possibility of such damages. We reserve the right to refuse to make any payment, but will notify you of any such refusal within two (2) business days following receipt of your payment instructions. Consent to Receive Electronic Member Statement Thank you for enrolling to receive your member statement electronically via Gerber Federal Credit Union’s (Gerber FCU) E-Statement. Your enrollment into Gerber FCU’s E-Statement constitutes your acceptance of the terms and conditions set forth in this disclosure to replace your paper statement. You are consenting to
electronic delivery of account-related notices and other regulatory
information that would normally be sent with your paper member statements
(collectively, "statement inserts"). Acceptance I
have read and understand the above information and consent to delivery of:
E-Statement
e-mail notifications to the e-mail address that I indicate under the Web
Teller "User Options" tab and “E-mail Address" link found
on the navigation bar within Home Banking. I understand that my member
statements and any statement inserts will be available to me on the Web
after I log in to Web Teller.
If you do NOT agree, click here to return to the Gerber FCU Homepage. |
.jpg)
