e-Banking Disclosure

more>> Access My Account | Passwords | Security | Online Internet Agreement

Online Introduction:

This page explains the terms and conditions for using our Online Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Kamiah Community Credit Union is also governed by the applicable account disclosure/agreement and Truth in Savings disclosure you received when you opened your savings and/or share draft account.

If you don't already have your online services PIN, please contact a member service representative at one of our branches to get your online services application. With your PIN you will be able to access your account information, transfer funds, order share drafts, apply for a loan, etc. at your convenience, not just when we are open, but 24/7.

By using CU Online, you agree to the terms and conditions of the CU Online Agreement.
(link to agreement)

How to Access Your Accounts:

To access your account through our Online Banking service, you must have your account number and an Online Banking password. This information is requested when you enter our Online Banking pages.

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN number and security codes confidential. It is your responsibility to keep your password, account number and other account data confidential. It is recommended that you memorize your password and do not write it down. If you believe that your password may have been compromised, or that someone has transferred or may transfer money between your accounts without your permission, notify Kamiah Community Credit Union at once at (208) 935-0277.

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 Online Banking service, visit the Credit Union, or call us at (208) 935-0277.

To get an initial password for the Online Banking service, visit the Credit Union or call us at (208) 935-0277.

Fees:

Currently there is no fee for accessing your account (s) through our Online Banking service. We reserve the right to impose/change the fee amount, if necessary, after providing 30 days notice to all users at the Online Banking login page and/or your E-Mail address.

When Online Bill Payment is available there will be a minimal charge if you choose to sign up for the service.

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 affect your account. If there are no communication or computer problems transfers made before 11:00 AM generally will be posted by 12:00 PM and transfers made after 11:00 AM generally will be posted by 5:00 PM.

Account Balances & Transaction History: You may view your share and loan account balances and transaction histories. 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 posted against your balance, or other electronic items such as debit card or ACH transactions that have not yet been presented to the Credit Union for payment.

Password Changes: If you are an Online Banking user you may change your password at any time from within the Online Banking section. For your protection we recommend that you change your password regularly.

Share Draft Orders: You may reorder share drafts and/or view and order new styles available through the Credit Union. We will not process share draft order requests if you do not have a share draft 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 draft 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 that are available through our Online Banking service. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

Business Day: Our business days are Monday through Friday. Holidays are not included.

Operating Systems and Security:

Our Online Banking site is designed to operate using world wide web technologies and protocols which are adaptable to a wide range of systems. The Online Banking sections 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 Online 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 Online 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 Online Banking section. Until it times out, you can come back to our Online Banking without logging back 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 as 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.

Errors and Questions:

In case of errors or questions about your electronic transfers, telephone us at (208) 935-0277 or write us at P.O. Box 68, Kamiah, ID 83536 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:

1. Your name and account number
   
2. Why you believe there is an error and the dollar amount involved.
   
3. 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 with 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 business days. If we ask you to put your complaint in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation.

We will notify you with the results within three (3) business days of completing our investigation. If we decide there was no error, we will send you a written explanation. You may request copies of the documents that we used in our investigation.

If you need more information about our error resolution procedures, please call us at the telephone number shown above.

Liability for Unauthorized Transfers:

Tell us AT ONCE if you believe your password has been compromised. 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.

Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us with 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.

Statements:

All transactions generated by you through our Online Banking service and any Online 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, for instance:

If, through no fault of ours, you do not have enough money in your account to make the transfer;
If the Online 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, flood or power failure) 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 Online 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, with limitation, any warranties of fitness for a particular purpose or warranties of merchantability.