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Please take a moment to read these terms carefully and print a copy for your records. The E-statements service is available though
HomeBr@nching. A link to the HomeBr@nching login page can be found at the bottom of this page..
In accordance with the E-Sign Requirement, you have the right to obtain this disclosure in paper format.
You may contact our Member Services Department to obtain a paper copy of this disclosure at no charge.
CHANGE IN TERMS
It may be necessary, from time to time, to change the terms or conditions regarding your E-Statement access.
In the event such a change is necessary, you will receive an ALERT message on HomeB@nching to inform you. This
will take place at least 21 days prior to the date on which the change becomes effective. In the event an
immediate change is required to maintain the security of your account or the Credit Union system, we shall
notify you via e-mail within 10 days of making the change.
YOUR BILLING RIGHTS
This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENTS. If you think your statement is wrong,
or if you need more information about a transaction on your statement, write to us on a seperate sheet at
the address listed on your statement. Write us as soon as possible. We must hear from you no later than 60 days
after we sent you the first statement on which the error or problem appeared. You can telephone us, but doing so
will not preserve your rights.
In your letter, give us the following information:
- Your name and account number.
- The dollar amount of the suspected error.
- Describe the error and explain, if you can, why you believe there is an error. If
you need more information, describe the item you are not sure about.
YOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE. We must acknowledge your letter within
30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why
we believe the statement was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent.
We can continue to send statements for the amount you question, including finance charges, and we can apply any unpaid
amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you
are still obligated to pay the parts of your statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any finance charges related
to any questioned amount. If we did not make a mistake, you may have to pay finance charges, and you will
have to make up any missed payments on the questioned amount. In either case, we will send you a
statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation
does not satisfy you, write to us within 10 days telling us that you still refuse to pay, we must tell anyone we report to
that you have a question about your statement. And, we must tell you the name of anyone we reported you to. We
must tell anyone we report you to that the matter has been settled between us when it finally is settled.
If we do not follow these rules, we can not collect the first $50 of the amount, even if the statement was correct.
SPECIAL RULE FOR CREDIT CARD PURCHASES:If you have a problem with the quality of property or services that you
purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may
have the right not to pay the remaining amount due on the property or services. There are two limitations on this
right:(a) You must have made the purchase in your home state, within 100 miles of your current mailing address, and (b)
the purchase price must have been more than $50.00. These limitations do not apply if we own operate the merchant, or
if we mailed you the advertisement for the property or services.
Click here for a printable version of this section
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
Write or telephone us at the address listed on your statement as soon as you can if you think your statement receipt is
wrong, or if you need more information about a transfer on the statement or receipt. We must hear from you no later
than 60 days after we sent you the FIRST statement on which the error or problem appeared.
- Tell us your name and account number.
- Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe
there is an error or why you need more information.
- Tell us the dollar amount of the suspected error.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do
this, we will recredit your account for the amount you think is in error so that you will have use of the money
during the time it takes us to complete our investigation.
Click here for a printable version of this section
E-STATEMENT ACCESS
Accessing your E-Statement through YOUR FCU’s E-Statement interface
confirms your agreement to be bound by all disclosures and agreements, and
acknowledges your receipt and understanding of this agreement.
In order to access your E-Statement online, you must have an active HomeBr@nching account established
with the credit union.
The service is generally available 24 hours a day, seven days a week; however, the
service may be unavailable from time to time for routine software and hardware
maintenance or due to unscheduled down time.
ACCESS REQUIREMENTS
You need a computer, related equipment, and an Internet
connection in order to access your E-Statement. In addition, you need to install Internet
browser software on your computer if you do not already have it. Modifications to the
services in the future may require installation of upgrades to the browser's software. You
are responsible for installation, maintenance, and operation of your browser's software.
It is your sole responsibility to insure your personal computer and related equipment are
compatible with and capable of operating in a manner that allows you to utilize
the E-Statement service.
PARTICIPATING PARTY RIGHTS
You have the right to terminate your E-Statement access at any time upon delivery of
written (e-mail acceptable) notice to YOUR FCU. YOUR FCU has
the right to terminate its obligation to provide E-Statement services to you upon ten
days of prior written notice (e-mail acceptable).
You agree to waive and release any claims against YOUR FCU
arising out of or in anyway related to the E-Statement service, except for those claims
resulting solely from the negligent acts or omissions of the credit union.
You understand that Users, Inc. and Lanvera are providing this service to you on the credit union's
behalf. All questions regarding your E-Statement access should be directed to the credit union
at 1-800-388-7889.
E-STATEMENT SERVICE PROVIDER
Lanvera is an E-Statement supporting vendor along with our core processor, Users, Inc. All claims and inquiries should be
directed to the credit union at 1-800-388-7889 or through e-mail at HomeBranching@yourfederalcu.com
E-STATEMENT SERVICE CANCELLATION
You may cancel your E-Statement access at any time from within HomeBr@nching.
Note: If you cancel your HomeBr@nching account access, your E-Statement access will also be
cancelled.
CONFIDENTIALITY
We will disclose information to third parties about your E-Statement access:
- Where it is necessary for completing a technical support call to Lanvera
- In order to verify the existence of conditions of your
account for a third party or if you give us written permission.
- Comply with a government agency or applicable law.
E-STATEMENT CUSTOMER SUPPORT
In case of questions about your E-Statement access, call the credit union toll free at
1-800-388-7889 or by e-mail at HomeBranching@yourfederalcu.com.
FEE SCHEDULE
E-Statement access is provided as a FREE service to those member's with an online
HomeBr@nching access.
Date of Last Update:
The terms of this Agreement were updated on September 23, 2006.
If you have any questions regarding these Terms and Conditions, the site, or the services, please
contact HomeBranching@yourfederalcu.com
Click here to continue to the HomeBr@nching login page.
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