This Agreement governs the use of Technology Credit Union
Online Banking Service, referred to as the "Service," provided by Tech CU. By
using the Service to conduct banking transactions or bill payments, you agree to
the terms of this Agreement.
As used in this
Agreement, "account" and "accounts" mean the Technology Credit Union account(s)
tied to your member number used through Online Banking to conduct transactions.
"Loan account" and "loan accounts" mean any loan you have with the Credit Union
or Technology Credit Union Real Estate Services. "You," "your," and "yours" mean
the person(s) using the Service. "We," "our," us," and "Credit Union" refer to
the individual Credit Union that holds your accounts.
The terms and conditions in this Agreement are in addition to
any account agreements you have with the Credit Union, including your Signature
Card, Member Handbook Account Disclosures and Agreement, Tech CU's Schedule of
Fees & Charges or any accompanying schedules, Tech CU's Electronic Fund
Transfer Disclosure (together with the "Account Agreement"), any overdraft
protection agreement, any loan agreement you have with Tech CU, and any change
of terms notices.
In order to use the Online
Banking Service, you need a computer (in this Agreement, your computer and the
related equipment are referred to together as your "Computer") with a web
browser (we strongly recommend the following which support the highest
encryption methods available: Microsoft Internet Explorer 8.0 or higher, Firefox
1.5 or higher, Chrome 45.0 or higher and Safari 4.1.3 or higher.), and a member
You are responsible for the installation, maintenance, and
operation of your Computer, browser and the software. Technology Credit Union is
not responsible for any errors or failures from any malfunction of your
computer, the browser or the software. Tech CU is also not responsible for any
computer virus or related problems that may be associated with the use of an
To use Online Banking, you must have
at least one Technology Credit Union personal share account and enroll in our
login security system. Through Online Banking, you will have access to any of
your Technology share accounts or loan accounts associated with your member
number. Tech CU reserves the right to deny access to any accounts or loans or
deny transactions under certain circumstances.
You may use Online Banking to (a) transfer funds between your
accounts; (b) transfer funds between financial institutions; (c) obtain account
balances; (d) obtain history and transaction information on your accounts; and
(e) obtain loan account balance information. These features are limited to the
extent, and subject to the terms, noted below.
i. Your ability to
transfer funds between certain accounts is limited by federal law and the
Account Agreement. You should refer to the Member Handbook Account Disclosures
& Agreements for legal restrictions and service charges applicable for
excessive withdrawals or transfers. Transfers made using the Online Banking
Service are counted against the permissible number of transfers described in the
ii. There may be at least a one business day delay in
transferring funds between your accounts. Except as provided in this Agreement,
all banking transaction instructions received by 12:00 a.m. (midnight) Pacific
Standard Time will be completed that business day. Any instruction received
after 12:00 a.m. (midnight) Pacific Standard Time will be completed the next
iii. Transactional information for your accounts will be
available from Online Banking for a maximum of three statement cycles from the
date of inquiry.
Online Banking and
related documentation are provided "as is" without any warranty of any
particular kind either expressed or implied, including, but not limited to, the
implied warranties of merchantability and fitness for a particular purpose.
Enrollment in the Online Banking login security
system is required to access Technology Credit Union's Online Banking and Bill
Pay Services. To enroll, you need your member number, social security number,
email address, and date of birth. All information input at the time of
registration must match information in our system in order to successfully
In the enrollment process, you will create the necessary
components to access Tech CU Online Banking:
User Name &
Password: The User Name and Password will be used each time you log into
Online Banking to access your account.Welcome Message &
Security Image: The Welcome Message and Security Image will be displayed
each time you log into Online Banking to verify that you are logging into the
legitimate Tech CU Online Banking website. Challenge Questions
& Registered Computer: When you attempt to log into Online Banking using
a computer not previously registered on our website, you will be given a
challenge question to answer as an added level of security. Each you log in
from an unknown computer, you will have the opportunity to register that
computer with our website.You agree not to give or make available
your User Name, Password or any login security information to any unauthorized
individual. If you believe your User Name or Password has been lost or stolen,
someone has attempted to use the Online Banking Service without your consent,
your account(s) or loan accounts have been accessed, or someone has transferred
money without your permission, you must notify Technology Credit Union
immediately. Technology Credit Union does not maintain a record of your
PIN/Password. If you lose or forget your PIN/Password, contact Tech CU
To maintain the security of your accounts, Tech CU
recommends the use of browsers that provide encryption using a 128-bit key or
the most secure encryption available. Use of a less secure encryption method
puts the security of your account at risk. If you elect to use a browser that
does not meet Tech CU's security recommendations, this implies your acceptance
of this risk.
should contact Technology Credit Union immediately if you believe
your PIN/Password or account number(s) has been lost or stolen, if an
unauthorized person has learned your PIN/Password and/or account number(s), if
you believe your account(s) has been accessed and/or someone has performed an
unauthorized transaction from your account. Notifying Tech CU immediately by
phone could minimize your possible losses.
If you notify Tech CU within
two (2) business days of an unauthorized transaction, your maximum liability
will be $50. If you do not tell us within two (2) business days after you learn
of the loss or theft of your PIN/Password and/or account number(s), and we can
prove we could have stopped someone from accessing your account(s) without your
permission if you had notified us, then you could lose as much as $500.
Also, should your statement show online banking transactions that you did not
make or authorize, please inform us immediately. If you do not tell us within 60
days after the statement was mailed, you may not get back any of the money you
lost if we can show that we could have stopped the unauthorized online banking
transaction(s) or payment(s) if you had notified us in time. This means you
could lose all your money in your account plus your maximum overdraft line of
You agree to assist Technology Credit Union in its efforts to
recover any funds that were transferred or paid without your permission or
consent. Refer to the Electronic Fund Transfer Disclosure Terms and
In case of errors or questions
about the Online Banking Service, banking transactions, or payments, you must
notify us at once. We must hear from you no later than 60 days after we send you
the first statement on which the problem or error appeared. For all errors, you
When you access Online Banking to conduct
transactions, the information you enter may be recorded. By using Online
Banking, you consent to such recording.
When using Online Banking to conduct banking transactions or to pay bills,
you agree that the Credit Union may debit your account to complete the banking
transactions, pay bills, or honor debits you have not signed.
disclose information to third parties about your account, your online banking
transactions, and payment(s) you make only in the following situations:
You will not be charged for the use of Technology Credit
Union Online Banking and Bill Pay services. However, there may be fees
associated with specific banking transactions initiated within Online Banking,
such as stop payment requests.
NOTE:Your accounts and loan
accounts are still subject to the fees, charges, balance requirements, etc.
articulated in the Member Handbook Account Disclosures & Agreements,
Schedule of Fees & Charges, and any applicable Loan Agreement.
The terms of this Agreement, applicable
fees, and service charges may be altered or amended by Technology Credit Union
from time to time. In such event, Tech CU shall send notice to you at your
address as it appears on Tech CU's records or your email address if you have
agreed to receive notices from us electronically. Any continuation of Online
Banking after Tech CU sends you a notice of change will constitute your
agreement to such change(s). Further, Tech CU may, from time to time, revise or
update the Tech CU program, services, and/or related material(s) rendering such
prior versions obsolete. Consequently, Tech CU reserves the right to terminate
this Agreement as to all such prior versions of the Tech CU programs, services,
and/or related material(s) and limit access to Tech CU's more recent versions
You agree to promptly notify
Technology Credit Union, in writing or through Online Banking, of any address
The use of Online
Banking does not require enrollment on your behalf, therefore, termination of
Online Banking by you is done by not accessing or using the Service. However,
any banking transactions or payments you have previously authorized will be
completed as instructed.
Neither termination nor discontinuation shall
affect your liability or obligation under this Agreement.
Technology Credit Union reserves the right to impose a
frequency or dollar limit on or refuse to make any payment you have directed.
Tech CU is obligated to notify you promptly if it decides to refuse to complete
your payment instruction. This notification is not required if you attempt to
make payments which are prohibited under this Agreement.
You may not assign this Agreement to any other party. Technology Credit Union
may assign this Agreement to any present or future, directly or indirectly,
affiliated company. Tech CU may also assign or delegate certain of its rights
and responsibilities under this Agreement to independent contractors or other
Technology Credit Union shall not be
deemed to have waived any of its rights or remedies hereunder unless such waiver
is in writing and signed by Technology Credit Union. No delay or omission on the
part of Tech CU in exercising any right or remedy shall operate as a waiver of
such right or remedy or any other rights or remedies. A waiver on any particular
occasion shall not be construed as a bar or waiver of any rights or remedies on
The captions of sections hereof are
for convenience only and shall not control or affect the meaning or construction
of any of the provisions of this Agreement.
Agreement shall be governed by the laws of the jurisdiction in which the Credit
Union is located and by applicable Federal laws and regulations.