![]() If you have a line-of-credit, you agree not to use Home Banking to initiate a transaction that would cause the outstanding balance of your line-of-credit to go above your credit limit. You agree not to use Home Banking to initiate a transaction that would cause the balance in your designated account(s) to go below zero. We will not be required to complete a withdrawal or transfer from your account(s) if you do not have enough money in the designated account(s) to cover the transaction however, we may complete the transaction. If you exceed the transfer limitations set forth above in any statement period, the transfer may not be completed, your regular share account and draft account may be subject to a fee, account closure, or suspension or we may revoke your access to Home Banking. A pre-authorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders including orders received through the automated clearinghouse (ACH). No more than three of the six transfers may be made by check, draft or debit card, or similar order to a third party. This includes transfers by phone, fax, wire and cable, audio response, overdraft transfers to checking and Internet instruction. ![]() During any statement period, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a pre-authorized or automatic transfer. It is your responsibility to immediately notify the credit union if you have reason to believe your account, confirmation image, pass phrase, and/or verification questions have been compromised.įederal regulations limit transfers for share/savings accounts and money market accounts, if applicable. This enhanced authentication process provides you with the assurance that you are on InTouch Credit Union’s official website. When you sign-up for our Home Banking service you agree to abide by the requirement to select a confirmation image, pass phrase, and verification questions. The FFIEC (Federal Financial Institutions Examination Council) requires all credit unions to implement a multi-layered verification sign-in process. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF YOUR EQUIPMENT, OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A SPECIFIC STANDARD. ![]() WE ARE NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE RELATED TO THE SERVICES. To qualify for access to the Home Banking, you must be a Credit Union member in good standing. This Agreement also contains your rights and responsibilities concerning transactions that you make through the Home Banking, including your rights under the Electronic Funds Transfer Act. This Agreement and Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic Funds Transfers which are available to you with our Home Banking system. The words “we”, “us”, “our”, “ITCU” and “Credit Union” refer to InTouch Credit Union. The words “you”, “your”, and “yours” refer to the InTouch Credit Union member(s) jointly and severally. Please read it carefully and retain for your records. You also accept all the terms and conditions of this Agreement by using the Home Banking. You will be bound by this Agreement when you enroll in Home Banking. This Agreement establishes the rules that cover your electronic access to your account(s) at InTouch Credit Union (“Credit Union”) through the Home Banking system. Home BankingACCOUNT ACCESS AGREEMENT AND DISCLOSURE STATEMENTInTouch Credit Union
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