Document Sample
Online_Banking Powered By Docstoc
					                                                                                                                                                                            Transfers—You may make transfers to your accounts or other accounts you authorize as
                                                                                             CU2You Online Banking                                                          often as you like except for those accounts with transfer limitations as disclosed on the

               CU2You Online Banking                                                     and CUe-Statements Agreement
                                                                                                                                                                            Rate and Fee Schedule you received when you opened the account and any amend-
                                                                                                                                                                            ments to that Schedule. You may transfer up to the balance in your account at the time
                                                                                                                                                                            of the transfer, except as limited under other agreements. We reserve the right to
                                                                                                                                                                            refuse any transaction that would draw upon insufficient funds or lower an account

            and CUe-Statement Agreement                                         We are Bangor Federal Credit Union, referred to as “we”, located at 339 Hogan Road,
                                                                                Bangor, Maine 04401 and our phone number is 207-947-0374. “You” refers to the
                                                                                member-owner(s) of a savings account who has requested CU2You Online Banking
                                                                                                                                                                            below a required balance.
                                                                                                                                                                            Cu2You Online Banking transactions may be made at anytime, 7 days a week, unless
                                                                                and/or CUe-Statement in connection with that account and any sub-account.                   the service is unavailable due to computer back-up procedures or maintenance. Trans-
                                                                                                                                                                            fers done on a non-business day will be available the following business day.
                                                                                Personal Identification Number— The personal identification number will be your
                                                                                “remote banking signature,” and you are responsible for maintaining its confidentiality.    Conditions Under Which We Will Disclose Information To A Third Party—You agree that
Member’s Name                                                                   The personal identification number should be memorized and not written, in order to
                                                                                                                                                                            we may, and you hereby authorize us to, disclose information to third parties about your
                                                                                                                                                                            account(s) or the transfers you make (1) where it is necessary for completing transfers;
                                                                                prevent unauthorized use.                                                                   (2) in order to verify the existence and condition of your account for a third party, such
Member’s Address                                                                Authorized Use—You are authorized to withdraw funds from your account(s) with the
                                                                                                                                                                            as a credit bureau or merchant; (3) in order to comply with government agency or court
                                                                                                                                                                            orders as permitted by law; or (4) if you give us your written permission.
                                                                                use of your personal identification number.
                                                                                                                                                                            Documentation and Verification of Transfer—You will receive a monthly statement of
                                                                                Joint Accounts—The CU2You Online Banking & CUe-Statement personal identification            your account activity unless no electronic transfers were made to or from your ac-
                                                                                number is issued only to the first member named on a savings account and offers             count(s) during the month, in which case you will receive a statement at least quarterly.
                                                                                access to other accounts owned by that member. If you choose to disclose your P.I.N.
Telephone                                                                       to any of the joint owners on your savings account, the joint account holder will have      Upon completion of a check order, you will receive a confirmation number. You should
                                                                                access to all accounts at the Credit Union owned by you, either individually or jointly.    record this number with your request. You will not receive any other receipt or confir-
                                                                                                                                                                            mation of a transaction.
Date of Birth                                                                   You may transfer funds to the account(s) on which you are a joint owner; however, if
                                                                                you do so, you agree to provide a copy of this Agreement to each owner of the ac-           Error Resolution—Telephone or write us at the number and address shown at the begin-
                                                                                count(s).                                                                                   ning of this Agreement, as soon as you can, if you think your statement is wrong, or if
E-mail Address                                                                  Consumer Liability For Unauthorized CU2You Online Banking Transactions—Tell us at
                                                                                                                                                                            you need more information about a transfer listed on the statement. We must hear
                                                                                                                                                                            from you no later than 60 days after we send you the first statement on which the
                                                                                ONCE if you believe your PERSONAL IDENTIFICATION NUMBER has been compro-                    problem or error appeared. Provide your name, account number, the dollar amount of
Social Security #                                                               mised. Phoning is the best way of keeping your possible losses down. You could lose         the suspected error, and describe the error or transfer you are unsure about, and a
                                                                                all the money in your account plus your maximum overdraft line of credit, if applicable.    clear explanation of why you believe it is an error, or why you need more information.
                                                                                If you tell us within 2 business days, you can lose no more than $50.00 if someone
                                                                                                                                                                            If you tell us orally, we may require that you send your complaint or question in writing
Savings Account #                                                               used your personal identification number without your permission.                           within 10 business days. We will tell you the results of our investigation within 10 days
                                                                                                                                                                            after we hear from you and will correct any error promptly. If we need more time,
                                                                                If you do NOT tell us within 2 business days after you learn of the loss or theft of your
                                                                                                                                                                            however, we may take up to 45 days to investigate your complaint or question. For
                                                                                personal identification number and we can prove that we could have stopped some-            international transactions, we may take up to 90 days to investigate your complaint or
I request that Bangor Federal Credit Union provide me with CU2You Online        one from using your personal identification number without your permission if you had       question.
Banking services. I accept and agree to abide by the terms and conditions       told us, you could lose as much as $500.00.
of the CU2You & CUe-Statement Agreement and Disclosures provided to me.                                                                                                     If we decide to do this, we will credit your account within 10 business days (5 business
I will provide a copy of the Agreement and Disclosures to all Joint Owners.     Also, if your statement shows transfers that you did not make, tell us at once. If you      days for VISA® Check Card) for the amount you think is in error, so you will have the use
                                                                                do not tell us within 60 days after the statement was mailed to you, you may not get        of the money during the time it takes to complete our investigation. If we ask you to put
                                                                                back any money you lost if we can prove that we could have stopped someone from             your complaint or question in writing and do not receive it within 10 business days, we
I authorize Bangor Federal Credit Union to discontinue my statements of my                                                                                                  may not credit your account.
Credit Union accounts via paper and to provide my statements electronically.    taking the money if you had told us in time. If a good reason (such as a long trip or
I understand that my electronic statement information will be available to      hospital stay) kept you from telling us, we will extend the time periods. We are liable     If we decide that there was no error, we will send you a written explanation within 3
me via the Internet through a secured username/access-code login authenti-      only for losses in excess of the limits stated.                                             business days after we finish our investigation. You may ask for copies of the docu-
cation and that I must consent to the receipt of my statements electronically                                                                                               ments that we used in our investigation.
                                                                                Notification Procedure—If you believe that your personal identification number has
in a manner that reasonably demonstrates that I can access the statements
                                                                                been compromised, or that someone has transferred or may transfer money from your           Cancellation—We may cancel your CU2You Online Banking privileges at any time with-
electronically, in accordance with the procedures provided to me by the                                                                                                     out notice or cause. You may cancel this Agreement at any time by providing us with
                                                                                account without your permission, call us at the number shown at the beginning of this
Credit Union. I also understand that I may receive additional messages and                                                                                                  written notice that you wish to cancel. Cancellation will be effective as of the date we
                                                                                Agreement, or write us at the address given at the beginning of this Agreement.
email notifications from the Credit Union.                                                                                                                                  receive the notice. Any cancellation or termination will not affect any of your existing
                                                                                Business Days—Lobby hours: Monday through Thursday, 9:00 a.m. to 4:00 p.m., Friday          liability to us.
                                                                                8:00 a.m. to 5:00 p.m.
      I wish to opt-out of FREE CUe-Statement available to me through                                                                                                       Liability—If we do not complete a transfer to or from your account on time or in the
      CU2You Online Banking.                                                    Drive-Thru hours: Monday through Friday, 8:00 a.m. to 5:00 p.m., Saturday 9:00 a.m.         correct amount according to our agreement with you, we will be liable for your losses or
                                                                                to 1:00 p.m. (open for transactions but not a business day), Hammond St. closed on          damages. However, there are some exceptions. We will not be liable, for instance:
                                                                                Wednesdays, closed on Sunday; excluding state and federal holidays.                         If, through no fault of ours, you do not have enough money in your account to make the
                                                                                Types of Transactions Available—You may use your personal identification number with
                                                                                the CU2You Online Banking & CUe-Statement service to obtain account information             If the CU2You Online Banking system was not working properly and you knew it was not
x                                                                               related to any of your savings and loan accounts regarding current balances and             working properly when you started the transfer.
    Member Signature                                      Date                  account history; savings dividend rates; YTD and prior year dividends earned and
                                                                                                                                                                            If circumstances beyond our control, (such as fire or flood) prevent the transfer, despite
                                                                                interest paid on each account, CUe-Statement, download transaction history into
                                                                                                                                                                            reasonable precautions that we have taken.
                                                                                personal financial software, eAlerts, and view certificate maturity date(s). You may
                                                                                also make transfers to other savings or checking accounts of yours or such accounts         Modification—This Agreement may be amended by us without prior notice to you when
                                                                                you have authorized in writing prior to such transfer request, make loan payments           such an amendment is immediately necessary to maintain or restore the security of the
You will be signed up by the close of business on the next regular business     from any savings or checking account to any loan account, apply for a loan or line of       system or a member’s account(s). We will notify you in writing thirty (30) days or as
day after submitting your application.                                          credit, open additional deposit accounts, order checks, and retrieve copies of checks       otherwise required by law prior to the effective date of any other change in any term or
                                                                                drawn on your account(s). Check order requests can only be honored during our               condition of this Agreement.
                                                                                business days listed in “Business Days” paragraph above. You may also apply for             eAlerts—Participants in the eAlert Program do so voluntarily and at their own risk. The
                                                                                other services that we offer, such as BillPay, Visa Debit Cards, etc. These requests for    Credit Union disclaims any responsibility or liability for any failure to transmit an eAlert
                                                                                new services can only be processed during our business days listed in “Business             for any reason. The use of eAlerts is not intended to create any obligations or duties on
                                                                                Days” paragraph above. We reserve the right to deny you these requested services,           behalf of the Credit Union. By using eAlerts, you acknowledge and agree to this dis-
                                                                                with or without notice or cause.                                                            claimer, to release, discharge and indemnify the Credit Union for claims associated with
                                                                                                                                                                            such use.
                     CUe-Statement Agreement
The Credit Union will provide you with your statements, with applicable
disclosures, electronically in accordance with the provisions of this
Agreement. The statements and disclosures provided to you electroni-
                                                                                                                         Online Banking
cally are called the “CUe-Statement.” Your account statement is made
available to you free of charge either by mail or through CUe-Statement.
However, if you request us to provide you with a copy of a statement that
we have previously provided you, a $2.00 per statement fee will apply.
                                                                                                                       and CUe-Statement
1. Your Rights Under the Law
a) Duration of Consent
                                                                                 Office Locations & Phone Numbers         Application
Your consent to have your statements provided electronically applies for              339 Hogan Road, Bangor
each statement provided after we have received your consent and will
continue until you withdraw your consent in writing. You have the right to
                                                                                       Phone (207) 947-0374
withdraw your consent to have your statement provided in electronic                     Fax (207) 990-0759
b) Accurate and Updated Information                                                   601 Hammond St, Bangor
You must provide the Credit Union with an accurate email address. If the                  (Drive-Thru Only)
email address you provide is not accurate the Credit Union assumes no
liability for sending the statement notification to such address.                       6 Dirigo Drive, Brewer
                                                                                       Phone (207) 989-0520
     First-Time Users                                                                   Fax (207) 989-0521
     1. Access CU2You Online             Banking     from     our    website
     2. Enter your savings account # in the username field. Enter your author-        Toll Free (800) 540-0374
        ized access code. This will be your social security number no dashes
        (tax ID number for business accounts).
     3. You will be prompted to create a username, which must contain only
        letters and numbers and can be 8-15 characters in length. Click
        continue. You may be asked to select security questions and provide
                                                                                         Mailing Addresses
        the answers to them. Please complete this step.
                                                                                          P.O. Box 1161
     4. The first screen to display is the Account Summary, which shows all
        your accounts at a glance. From here you can perform any of the               Bangor, ME 04402-1161
        functions shown on the menu bar. If you need help, click the Other
        Options tab and then select the instructions link. To access your
        CUe-Statement, click CUe-Statement on the menu bar.                                 P.O. Box 362
                                                                                         Brewer, ME 04412

With free CUe-Statements, you can:
                                                                                         In-Touch Banking
      Access your monthly & quarterly account statements faster, from
        wherever you choose-at home, at work, or when traveling.                 (207) 945-5350 • CU Identifier 024#
      Be assured that your statement is a secured document requiring

        a usercode/password login authentication to access it.
        Review your previous statements (up to 12 months of state-
        ments will be available).
      Save your statement as a document file or print it using your
        own printer.
      Have quick access to other credit union services via links pro-
        vided by the credit union.

                                                                                              Rev. 3/10

niusheng11 niusheng11
About Those docs come from internet,if you have the copyrights of one of them,tell me by mail,and i will delete it on the first time. I just want more peo learn more knowledge. Thank you!