E.BRANCH AND BILL PAYMENT AGREEMENT AND DISCLOSURE
This Agreement and Disclosure (“Agreement”) is the contract between you and CSE which covers your and our rights and responsibilities concerning the e.branch services offered to you by CSE (“Credit Union”). The e.branch service permits you to electronically initiate account transactions involving your accounts at the credit union. By requesting and using the e.branch service, you agree to the terms and conditions of this Agreement, and any amendments.
E.BRANCH ACCOUNT ACCESS:
If we approve your application for the e.branch service, you may use your personal computer to access your accounts at the credit union. You must user the password and user identification number assigned to you, to access your accounts. Each person who is an owner on an account may apply for access via e.branch service. Unless the primary owner notifies the credit union otherwise, any person who can transact business on an account as a joint owner will have the same capability electronically. You will need a personal computer with a modem and access to the Internet in order to use the e.branch service. You are responsible for the installation and maintenance of your computer. The Credit Union is not responsible for any errors or failures involving any telephone service, Internet Service, or for the software or hardware of your computer. You may use the e.branch service to:- View account balances and transaction history of your share draft (checking), share savings, and loan accounts
- Make transfers between your authorized share draft (checking), and share savings accounts
- Make loan and credit card payments from your share draft (checking) or savings accounts
- Request a withdrawal from your regular share account by check, which will be mailed to the address of record
- View checks that have cleared your share draft (checking) account
- Inquire if a specific check number has cleared
- Change your personal identification number and password
- Conduct any other transactions permitted by the Credit Union
TRANSACTION LIMITATIONS:
The following limitations on e.branch transactions may apply in using the services listed below:TRANSFERS:
You may transfer funds to other accounts of yours at the Credit Union. Federal regulations limit pre-authorized transfers from your regular share account and money market account. During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic or computer order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union. The Credit Union will not be required to complete a withdrawal or transfer from your share accounts if you do not have enough money in the designated account to cover the transaction. You agree not to use the e.branch services to initiate a transaction that would cause the balance in your designated share account to go below zero. We will not be required to complete such a transaction, but if we do so, you agree to pay us the excess amount or improperly withdrawn or transferred amount immediately upon our request. We will also refuse to complete your e.branch transactions if we have cancelled your e.branch access or we cannot complete the transaction for security reasons.ACCOUNT INFORMATION:
The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to processing time and our Funds Availability Policy.PASSWORD SECURITY:
The password issued to you for initial access to e.branch is for security purposes. You must change your password the first time you use the e.branch service. Your password is confidential and should not be disclosed to third parties or recorded. You agree to accept responsibility for protecting the integrity of your password. You agree not to disclose or otherwise make your password known to anyone not authorized to sign on your accounts. When you give someone your password, you are authorizing that person to user your e.branch services and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those that you did not intend or did not want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after you notify us are considered unauthorized. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. You also agree that we may revoke your e.branch access at any time without notice to you. For your security, sign off after every e.branch session and close your browser window to ensure confidentiality.LIABILITY FOR UNAUTHORIZED ACCESS:
Contact us at once if you believe your password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you contact us within 2 business days, you can lose no more than $50 if someone used your password without your permission. (If you believe your password has been compromised, and you contact us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission. If you do not tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from accessing your account 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, contact 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 the 60 days if we can prove that we could have stopped someone from taking money if you had told us in time. If a good reason, such as a long trip or a hospital stay kept you from telling us, we will extend the time periods. If you b elieve your password has been compromised or if someone has transferred or may transfer money from your account with out your permission, call:Credit Union Main Office - 330.452.9801 , or write:
CSE Federal Credit Union
Main Office
1380 Market Avenue North
Canton, Ohio 44714
FEES FOR E.BRANCH SERVICE:
The Credit Union charges $2.00 a month for e.branch services unless you have a share draft account (checking), a share savings account, and a debit MasterCard.PERIODIC STATEMENTS:
Your periodic statement will clearly identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any event, you will receive an account statement at least quarterly. You may elect to receive your periodic statement electronically, however, this is not required.BUSINESS DAYS:For purposes of electronic funds transfer, our business days are Monday through Saturday, excluding Federal
holidays.
CREDIT UNION’S LIABILITY FOR FAILURE TO MAKE TRANSFERS:
If we do not complete a transfer to or from your account on time or
in the correct amount according to our agreement with you, we will be liable for your loses or damages. However, there are some
exceptions. We will not be liable, for instance:
- If, through no fault of ours, you do not have adequate funds in your account to complete a transaction or if your account is closed
- If you used the wrong password or you have not properly followed any applicable computer, Internet access, or Credit Union user instructions for making transfers or payments
- If your computer fails or malfunctions or the e.branch service was not working properly and such problem should have been apparent when you started the transaction, or transfer
- If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken
- If the funds in the account are subject to an administrative hold
- If the error was caused by a reason beyond the Credit Union’s control
- There may be other exceptions not specifically mentioned
DISCLOSURE OF INFORMATION TO THIRD PARTIES
We will disclose information to third parties about your account or the transfers
you make:
- Where it is necessary for completing transfers, or
- In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or
- In order to comply with government agency or court orders, or
- If you give us your written permission.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS.
Telephone us at 330.452.9801, or write:
CSE Federal Credit Union
1380 Market Avenue North
Canton, Ohio 44714
In case of errors or questions about your e.branch transactions, contact the Credit Union immediately. We must hear from you no
later than 60 days after we sent the FIRST statement on which the problem or error appeared.
- Tell us your name and account number
- Describe the error or transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information
- Tell us the dollar amount of the suspected error
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and
will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-
sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within
10 business days (20 business days if the transfer involved a new 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. 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 credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless
each of you already has an established account with us before this account is opened.
We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a
written explanation.
STOP PAYMENTS:
The transactions you perform on the Credit Union’s e.branch
are "real time" transactions and cannot be canceled except by performing corresponding reverse transactions. If you transfer money into a third party
account, transfer money into your club accounts, or make payments on your loan accounts, you will not be able to reverse those transactions.
TERMINATING THIS AGREEMENT:
You can terminate this Agreement at any time by notifying us in writing. We may terminate this Agreement at any time
for any reason, including inactivity. Your e.branch account is automatically terminated after 90 days of inactivity. To reestablish access, contact the
Credit Union. Whether you terminate the Agreement or we do, the termination does not affect your obligations under this Agreement, even if we allow any
transaction to be completed with your password after this Agreement has been terminated.
CHANGING THIS AGREEMENT:
The Credit Union reserves the right to modify the terms of this Agreement from time to time as deemed necessary. We
will notify you at least 21 days before the change will take effect if the change will cause you a greater cost or liability or if it will limit your
access to e.branch. You will be notified of the changes in the Credit Union’s
monthly statement mailing, or in a special notification to members of the e.branch service. We do not have to notify you in advance, however, if the
change is for security reasons.
To complete an application for e.branch, you must agree to these terms and conditions
Click here to view and print an e.branch application.
*Applications cannot be completed online. To obtain your User Name and Password which will enable you to access your credit union account(s)
complete the entire form and return it in person, fax or mail to:
CSE Federal Credit Union
1380 Market Avenue N, Canton, OH 44714
Fax: (330) 580-6898
Online Bill Payment Terms and Conditions
CSE Federal Credit Union’s Bill Payment Service is an option within the CSE Online for E.branch member service. By enrolling in the Bill Payment service, I understand that all rules and regulations for E.branch also apply to the Bill payment service. Additional rules and regulations which apply to the Bill Payment service are outlined below.
SERVICE DEFINITIONS
BILL PAYMENT SCHEDULING
Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not permit you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments, you must allow for possible delays beyond the control of the Service, such as delays in handling and delivery or the posting of payments by Payees or financial institutions. The Service bears no responsibility for such delays.
PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Payee. The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account.
The payment-processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account information for the Payee; and/or, Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.
PAYMENT METHODS
The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment or a laser draft payment.
PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.
PROHIBITED PAYMENTS
Payments to Payees outside of the United States or its territories are prohibited through the Service.
EXCEPTION PAYMENTS
Tax payments and court ordered payments may be scheduled through the Service; however, such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, improperly posted or misdirected payments will be the sole responsibility of you and not that of the Service.
ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting the Credit Union. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information prior to the transaction.
PAYEE LIMITATION
The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.
In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. In such cases, the Service will void the payment and credit your Payment Account. You may receive notification from the Service.
INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through a credit reporting agency. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Payee or your financial institution (for example, to resolve payment posting problems or for verification).
DISPUTES
In the event of a dispute regardingthe Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Member Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.
ASSIGNMENT
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
NO WAIVER
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
CAPTIONS
The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflicts of laws provisions.
THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.
I HAVE READ AND UNDERSTAND THE FOREGOING AGREEMENT AND AGREE TO BE BOUND BY ALL OF ITS TERMS.
Terms and Conditions of E.branch and the Bill payment Service are posted and available to our members at our Web site: www.csefcu.com.
To complete an application for e.branch, you must agree to these terms and conditions.