Home Banking Disclosure
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Introduction:
This page explains the terms and conditions for using our
Internet Home Banking Service and provides certain disclosures
and information to you concerning the service. Each of your
accounts at Northwest Community Credit Union is also governed
by the applicable account disclosure/agreement and Truth In
Savings disclosure you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our Internet Home Banking
service, you must have your account number and an Internet
Home Banking password. This information is requested when
you enter our home banking pages.
The password that is used to gain access to your information
should be kept confidential, just as you would keep other
PIN numbers and security codes confidential. For your protection
we recommend that you change your home banking access password
regularly. It is recommended that you memorize this password
and do not write it down. You are responsible for keeping
your password, account numbers and other account data confidential.
If you believe that your password may have been lost or stolen,
or that someone has transferred or may transfer money between
your accounts without your permission, notify Northwest Community
Credit Union at once at 1-847-647-1030.
You cannot use E-mail to initiate transactions, change information
or inquire on your account(s). We will not respond to these
types of requests via E-mail since we cannot be certain we
are corresponding with you. Please use the appropriate functions
within our Internet Home Banking service, call 1-847-647-1030
or visit the credit union for these functions.
To get an initial password for the Internet Home Banking
service, visit the credit union office or call us at 1-847-647-1030.
Fees:
There is currently no fee for accessing
your account(s) through our Internet Home Banking service.
We reserve the right impose / change the fee amount, if necessary,
after providing 30 days notice to all users at the home banking
login page and/or e-mail address.
Your Internet service provider (ISP) probably charges you
a fee to access the Internet via its server. We have no control
over ISP related fees.
Available Services and Limitations: The following functions
may be performed by members through the service:
- Transfers: You may transfer funds between your
Share or Loan Accounts as the account agreements may allow.
Transfers done through the service DO NOT immediately charge
or credit your account. TRANSFERS WILL BE EFFECTIVE BY THE
NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION but
may occur sooner.
- Account Balances: You may view your share and
loan account balances. Because the main credit union computer
system is not connected to the Internet, it is possible
that some transactions that affect these balances, and have
been processed by the credit union, are not yet included
in the balance at the time you view it. In addition, there
may be drafts written against your balance, or other electronic
items such as debit card transactions, that have not yet
been presented to the credit union for payment.
- Transaction history: You may view the transaction
history for any loan or share account. Because the main
credit union computer system is not connected to the Internet,
it is possible that some transactions are not yet included
in the history at the time you view it even though they
may have been processed by the credit union. The main credit
union computer system is always the official record of account
history. The Internet Home Banking service may be updated
several times per day for your convenience in viewing account
activity.
- Password Changes: If you are an Internet Home
Banking user, you may change your password at any time from
within the home banking section. For your protection we
recommend that you change your home banking password regularly.
- Check orders: You may reorder checks and/or view
and order new check styles available through the credit
union. We will not process check order requests if you do
not have a checking account at the credit union.
- Check search: You may search for drafts that
have cleared your account. You may also list clearings by
date cleared or by check number. The oldest check available
will vary but dates will go back, at a minimum, to your
last regular statement date.
- Additional Services: From time to time, we will
announce additional services which are available through
our Internet Home Banking. Your use of these services will
constitute acceptance of the terms and conditions presented
at the time they are announced.
We reserve the right to limit access or cancel on-line access
at any time.
Business Day:
Our business days are Monday through Saturday.
EXCLUDING Wednesdays and Holidays.
Operating Systems and Security:
Our Internet home banking site is designed to operate using
world wide web technologies and protocols which are adaptable
to a wide range of systems. The home banking section uses
SSL encryption and requires a browser with a current (unexpired)
Thawte Root CA Security Certificate. Some older browsers may
not be able to connect to the site without first updating
the browser security certificate. Our server uses 40 to 128
bit encryption, depending on the users browser.
We use cookies to help us administer the home banking section.
Some browsers allow you to reject cookies from servers. If
you don't allow us to set a cookie upon entering the site,
you will not be able to log in. The cookie we set contains
information we need for security, and allows us to 'time out'
your authority to view information. We place the cookie with
instructions that it can only be sent to a server in our home
banking domain (homecu.net). A cookie cannot be used to extract
data from your PC. We do not store your Access Code, User
Id or Password in your cookie.
The cookie we set will 'time out' your access authority
to our home banking section. Until it times out, you can come
back to our home banking without logging in. After the time
out period, you will need to log in again. Remember, most
browsers will let you use a BACK button to view previously
visited documents, even if your viewing authority has expired.
For this reason, the only way to keep others from viewing
your account balance is to exit the browser when you are finished
with your session. This is especially important if you are
using a public or shared computer.
Privacy:
Our home banking database is a private system operated for
the exclusive use of our members. We use SSL encryption and
digital server authentication to insure the privacy of your
information when sending data between our home banking server
and your PC.
All home banking logins are logged by the server. For authenticated
members who use home banking, we collect and store certain
information such as how often you visit the home banking section,
dates and times of visits and which pages are being used.
We use this information for internal review and product evaluation
only. We never sell, transfer or trade this information unless
we are compelled to do so by law.
We may gather and store additional information available
to us on failed login attempts and other activity we consider
a threat to our system. In these cases, we will share this
information with other companies, agencies and law enforcement
officials as we see fit.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost
or stolen and immediately change your password from within
the home banking section. Calling is the best way to notify
us immediately. You could lose all the money in your account.
If you tell us within two (2) business days, you can lose
no more than $50 if someone used your password without your
permission.
If you do NOT tell us within two (2) business days after
you learn of the loss or theft of your password, and we can
prove we could have stopped someone from using your password
without your permission if you had told us, you could lose
as much as $500.
Also, if your statement shows transfers that you did not
make, tell us at once. If you do not tell us within sixty
(60) days after the statement was mailed to you, you may not
get back any money you lost after the sixty (60) days if we
can prove that we could have stopped someone from taking the
money if you had told us in time.
If a good reason kept you from telling us, we will extend
the time periods.
If you believe your password has been lost or stolen or that
someone has transferred or may transfer money from your account
without your permission, call:
1-847-647-1030
or write:
Northwest Community Credit Union
7400 Waukegan Road, Niles, IL 60714
Statements:
All transactions generated by
you through our home banking service and any home banking
fees will appear on your monthly or quarterly statement.
Our Liability:
If we do not complete a transfer to or from
your account on time or in the correct amount according to
our agreement/disclosure with you, we will be liable for your
losses or damages. However, there are some exceptions. We
will not be liable, for instance:
- If, through no fault of ours, you do not have enough money
in your account to make the transfer; If the home banking
equipment or software was not working properly and you knew
about the breakdown when you started the transfer;
- If circumstances beyond our control (such as fire or flood)
prevent the transfer despite reasonable precautions that
we have taken.
We shall not be responsible for any other loss, damage or
injury whether caused by the equipment, software and/or the
home banking service, nor shall we 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 and/or service, except where the
law requires a different standard. We do not make any warranties
concerning the equipment, the software or any part thereof,
including, without limitations, any warranties of fitness
for a particular purpose or warranties of merchantability.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at 1-847-647-1030 or write us at Northwest Community
Credit Union 7400 Waukegan Road, Niles, IL 60714 as soon as
you can. We must hear from you no later than sixty (60) days
after you learn of the error. You will need to tell us:
- Your name and account number;
- Why you believe there is an error and the dollar amount
involved;
- Approximately when the error took place.
If you tell us orally, we may require that you send us your
complaint or question in writing within ten (10) business
days. We will tell you the results of our investigation within
ten (10) business days and correct any error promptly. If
we need more time, we may take up to forty-five (45) days
to investigate the complaint, but you will have the use of
the funds in question after the ten (10) business days. If
we ask you to put your complaint or question in writing and
we do not receive it within ten (10) business days, we may
not credit your account during the investigation.
If we decide that there was no error, we will send you a
written explanation within three (3) business days after we
finish our investigation. You may ask for copies of the documents
that we used in our investigation.
If you need more information about our error resolution procedures,
call us at the telephone number shown above.
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