Perfect Teller: EFT DISCLOSURE STATEMENT
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The first time that you enter the UCU Home Banking Site, using your Password, will mean that you have accepted and agreed to electronically receive and comply with UCU's Electronic Funds Transfers Disclosure, which appears below, as amended from time to time. UNITED CREDIT UNION INTERNET ACCOUNT ACCESS DISCLOSURE STATEMENT   PRINT AND RETAIN FOR YOUR RECORDS The following information defines and describes the types of Electronic Funds Transfers which are available to members with the Perfect Teller service. It also contains your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfers Act. Please read this document carefully. You may want to print it or save it for future reference. 1. Internet Account Access. You can use the Perfect Teller account access to: a. Obtain balances and other account details on your share and loan accounts. b. Make transfers between your share accounts or another member’s account. c. Make loan and Visa payments from shares. d. Review transaction activity on your accounts, excluding Visa. e. Print transaction history. 2. Limitation on Transfers. a. Federal regulations limit pre-authorized transfers from your share account to no more than six per account per month. This includes transfers by phone, fax, wire and cable, overdraft transfers to checking, and Internet instruction. b. The functions and limitations of the Perfect Teller account access service may be updated, without notice, at the option of UCU in order to provide improved service to the membership. 3. Liability. By applying for Internet account access, you agree to accept responsibility for protecting the integrity of your Password, in order to prevent unauthorized transactions and/or account access. You also agree that UCU may revoke your Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the Password. Granting access to your account via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to UCU. Tell UCU at once, if you believe your account number, password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning us is the best way of keeping your possible losses down, but you may also notify us by writing to our main office. You could lose all the money in your accounts, but if you tell us within two (2) business days of the loss, theft or unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission, you could lose as much as $500. If your statement shows any electronic fund transfer you did not make or authorize to be made, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after 60 days if we can prove that we could have stopped someone from taking the money. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods. 4. Address and Telephone Numbers. If you believe unauthorized access occurred on your account or your Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call United Credit Union, Monday through Friday between the hours of 8:30 a.m. and 5:00 p.m. at 219-372-2521 or write to United Credit Union, P. O. Box 2079, Warsaw, IN 46581-2079. 5. Business Days. For purposes of these disclosures, UCU business days are Monday through Saturday, excluding holidays. 6. Documentation of Transfers. Your periodic statement will specifically identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly. Additionally, through the Perfect Teller Internet access service, you can view all of your transaction activity at any time. 7. Charges. There is no charge for the Perfect Teller account access. 8. Stop Payments. Perfect Teller transactions are "real time" and cannot be canceled except by performing corresponding reverse transactions. 9. Information to Third Parties. We will disclose information to third parties about your account or the transactions you make: a. If we return checks drawn on your account for insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds. b. Where it is necessary for completing transactions. c. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant. d. In order to comply with government agency or court order. e. If you give us your written permission. 10. In case of Errors or Questions about your Electronic Transfers. If you think your statement is wrong or if you need more information about a transaction listed on the statement, immediately telephone us at 219-372-2521, Monday through Friday, between the hours of 8:30 a.m. to 5:00 p.m. or write us at P. O. Box 2079, Warsaw, IN 46581-2079. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. a. Tell us your name and account number. b. Describe the error or the transaction you are unsure about, including the transaction confirmation number if possible, and explain as clearly as you can why you believe it is an error or why you need more information. c. Tell us the dollar amount of the suspected error. If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days 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. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit your account. If we decide 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 we used in our investigation. 11. Scheduled Availability. Perfect Teller will normally be available 24 hours a day, seven days a week, with an exception of a small window of daily back up time. 12. Password Confidentiality. You are the key to safeguarding the confidentiality of your accounts. You are issued a Password, which you may change anytime you log on to Perfect Teller. You should select a Password that you can easily remember, but that no one else would likely guess; for example, do not select your address, telephone number or date of birth for your Password. You can change you Password as often as you desire, by selecting the change Password option on the Perfect Teller menu. Your Password can be up to 32 characters in length and combine upper and lower case letters, numbers, spaces and punctuation. If you forget your Password, you can call United CU at 219-372-2521 and have your Password reissued. Never share your Password with anyone, even family members. If you are the only one who knows your Password, you have protected your accounts against unauthorized access. REMEMBER, NO REPRESENTATIVE OF UNITED CREDIT UNION WILL EVER ASK YOU FOR YOUR PASSWORD. 13. Security of Perfect Teller. When you logged onto Perfect Teller, you accessed a secured site. UCU is committed to online technology and has taken steps to ensure that accessing your account via the Internet is safe and secure. Additionally, we allow you to select a Password of your choosing that will be easy for you to remember and keep "secret." This Password is used to authenticate you each time you log on to Perfect Teller, prior to allowing you to begin viewing your information. The confidentiality of your accounts are maintained as the data is passed from our host computer to your personal computer in an encrypted format, where the program then decodes the information for you to view. This prevents the data from being intercepted and/or viewed by an unauthorized third party. Each user session is set up for a specific period of time. If this amount of time passes with no activity from you, your session times out. If your session times out and you are not finished using Perfect Teller, you will need to log in again. This reduces the "window of opportunity" for an unauthorized user to access your account information if you walk away from your computer without logging off. Every effort was made to ensure that this system is as secure as possible. 14. Your Responsibility to Prevent Unauthorized Access to Your Accounts. UCU is confident that we have taken the necessary security precautions to ensure that our Internet account access service is secure and that your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts by doing the following: a. Never share your Password with anyone, even family members. If you are the only one who knows your Password, you have protected your account against unauthorized access. REMEMBER, NO REPRESENTATIVE OF UNITED CU WILL EVER ASK YOU FOR YOUR PASSWORD. b. We recommend that you change your Password on a regular basis; Contact the credit union immediately if you think that your Password may have been compromised. c. Do not walk away from your computer in the middle of an active Perfect Teller session. If you are logged on, and walk away, anyone can have immediate access to your accounts(s). Always remember to log off when you are finished with your session.
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