End User Agreement

 

SRI Federal Credit Union - RemoteFI Disclosure

The following Terms and Conditions govern the manner in which SRI Federal Credit Union will provide enhanced Online Banking Services (Account Center Plus) including the Account Aggregation Service. The words "We," and "Us," and "Our" refer to SRI Federal Credit Union. The words "You" and "Your" refer to each person who agrees to the Disclosure and each account owner or other person authorized to transact business on any Credit Union account that may be accessed through the Our Online Banking Service. The words "Remote Financial Institution" and "RemoteFI" refer to any financial institution from which you choose to aggregate your accounts/loans utilizing Our Online Banking Service.

Account Information from Remote Financial Institutions

With the Service, You may direct us to retrieve (aggregate) your own account information maintained online by Your Remote Financial Institution(s). We make no effort to review the account information for accuracy. We are not responsible for the products and services offered by or on Remote Financial Institution sites. We are not responsible for any fees that Your Remote Financial Institution may charge you for accessing their service.

We can only aggregate account information from Remote Financial Institutions that have an OFX-enabled connection. We cannot foresee technical difficulties that may result in failure to retrieve account information. Connections to Remote Financial Institutions may be down from time to time and we are not responsible for any inability to gather account information during downtime.

Accurate records enable us to provide the Service to You. You must provide accurate and current information about Your Remote Financial Institution accounts as requested in Our “Add New Remote FI” setup form. In order for the Service to function effectively, you must also keep your information up to date and accurate on Our Remote Financial Institution maintenance form. If you do not do this, retrieval of your account information will fail due to bad login credentials.

By submitting to us your usernames, account numbers, passwords, PINs, and other login information through the Service, you are licensing these credentials to us solely for the purpose of providing the Service. By submitting these credentials to Us, You represent that you are entitled to submit it to us for use for this purpose, without any obligation by us to pay any fees that Your Remote Financial Institution may impose for this ability.

Not all OFX-enabled financial institutions allow connectivity with this Service. We cannot guarantee retrieval of information from any particular financial institution. Financial institutions may choose to participate in this type of service at their discretion. Therefore, it is possible that a financial institution that currently participates may stop participating at any future date without notification; this is out of our control. In addition, financial institutions sometimes merge, which may cause you to acquire new login credentials with that financial institution. This will require you to update your information in Our Remote Financial Institution maintenance form.

SRI Federal Credit Union Electronic Notification Disclosure

Electronic documents will contain the same information as paper notices. You have the same opportunities to contact us about any errors or problems. The electronic document feature will not be enabled unless you consent to the following agreement and click "Accept" below. The "Accept" and "Decline" buttons only appear when this service is first initialized. New users who activate this feature will be able to view and print out their online documents on the next business day. You will receive an email notification that you have a document regarding your account. You will also receive a notification on your landing page when logging into your online banking account. Electronic documents will replace your paper documents.

Acceptance Of Terms

This agreement is a contract that establishes the rules covering your receipt of documents for your accounts at SRI Federal Credit Union. By entering into this agreement, you accept all of the terms and conditions contained herein. Please read it carefully.

Acknowledgement Of Disclosures

By signing up for electronic documents, you elect and authorize SRI Federal Credit Union to begin electronic delivery of your account documents, as well as notices we are required to provide under applicable Federal and State statutes. You will be able to view and print your account documents after you access your account through online banking and enter your secure password. You agree not to make your password available to anyone who is not authorized to sign on your account. You further understand that your computer must have access to the Internet and be able to run Microsoft Explorer or Netscape Navigation, versions 4.0 or higher. In addition, you have and will maintain a printer capable of printing any disclosures or account notices that are made available to you.

Your Right To Terminate

You may cancel your electronic documents service at any time by providing us with a request in writing by e-mail, fax or by mail as well as through online banking. Your request will take no longer than fifteen (15) days to become effective from the date we receive the request. If you cancel electronic documents, we will resume sending you documents through regular mail.

Our Right To Terminate

You agree that we can terminate electronic documents service and provide you with mailed notices for any reason at any time.

 

Bill Pay Agreement

 

Welcome to SRI FCU Credit Unions Online Bill Pay Disclosure and Authorization.

Once your application for SRI FCU Credit Unions Online Bill Pay is complete, you will see a message acknowledging your application; and in two to three business days you will receive an e-mail authorizing you to begin using the service. In order to apply for this service, you must read and agree to the following Disclosure and Authorization.

I UNDERSTAND that my payments will be sent either electronically or by paper check and that payments made by paper check will take a minimum of 4 to 5 business days to reach the payee. SRI FCU Credit Union cannot guarantee the arrival date of any specific payment, and will not be liable for any service fees or late charges levied against me.

I UNDERSTAND that I am responsible for any loss or penalty, monetary or otherwise, which I may incur due to the lack of sufficient funds or other conditions that may prevent the withdrawal of funds from my account.

 

Electronic Bill Payment Authorization

 

I AUTHORIZE SRI FCU Credit Union to post payment transactions generated by my use of SRI FCU Credit Union Online Bill Pay to the account I designated at the time I enrolled in this service. I understand that I am in full control of my account. If at any time I decide to discontinue use of this service, I will provide written notification to SRI FCU Credit Union. My use of the SRI FCU Credit Union Online Bill Pay signifies that I have read and agree to the terms and conditions of this Disclosure and Authorization

 

Person to Person (P2P) Service Agreement and Terms of Use                                                                                                                                                                                                                                                                                                                                                                                           

These Terms of Use set forth the terms and conditions under which the Service is offered. The Service allows a Sender to transfer funds to a Recipient through electronic means including through an outside email or mobile number.  These Terms of Use affect your rights, you should read them carefully.

 

Unauthorized use of these systems is strictly prohibited and is subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18, U.S. Code Sec. 1001 and 1030. SRI Federal Credit Union or its Service Provider may monitor and audit usage of this system. You are hereby notified that the use of this system constitutes consent to such monitoring and auditing.

 

Any Account accessed through the Service is also subject to the terms and conditions of your Account (“Account Disclosures”). You should review the Account Disclosure carefully, as it may include transaction limitations which may apply to your use of the Service.  Transfer limits may also be based on your individual account relationship and/or daily and per transaction limits.  Please contact the credit union for limit information.  You should also review the Credit Union’s Schedule of Fees in case any fees apply.

 

SRI FEDERAL CREDIT UNION HOME BANKING ENROLLMENT AGREEMENT

 

Online Banking Account Access

You may use your personal computer to access your accounts through the Internet. You will need a personal computer and access to the Internet (World Wide Web). You must use your access code along with your member number to access your accounts. The Online Banking services are accessible 7 days a week, 24 hours a day. You are responsible for the installation, maintenance, and operation of any software and your computer. The Credit Union will not be responsible for any errors or failures involving telephone service, any Internet service provider, your software installation or your computer.
Online Banking Transactions
At the present time, you may use any of the Online Banking services to:
· Transfer funds between your Checking, Savings Account, and Loan accounts.
· Review account balance and account transaction information for any of your accounts.
· Download account information for any account to financial management software programs such as Intuit Quicken or Microsoft Money, if applicable.
· Communicate with the Credit Union using the electronic mail (E-mail) feature.

Transactions involving your deposit accounts will be subject to your Membership and Account Agreement and transactions involving a loan account will be subject to your Consumer Loan Agreement and Disclosures.
Transactions involving your deposit accounts will be subject to your Membership and Account Agreement and transactions involving a loan account will be subject to your Consumer Loan Agreement and Disclosures.

E-mail requests
The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction, call the Credit Union at 650-859-3711 or 800-986-3669.

Security of Access Code
The access code issued to or selected by you is for your security purposes. The access code is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your access code. You agree not to disclose or otherwise make your access code available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access code that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your account services immediately. If you believe that someone has used your access code or has transferred or may transfer money from your account without your permission, call the Credit Union at 650-859-3711 or 800-986-3669.