Introduction:
This page explains the terms and conditions for
using our Home Banking Service and provides certain disclosures
and information to you concerning the service. Each of your
accounts at Savannah Postal Credit Union is also governed by
the applicable account disclosure/agreement and Truth In Savings
disclosure you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our Home Banking service, you
must have your account number and an Home Banking password.
This information is requested when you enter our Home Banking
pages.
The password that is used to gain access to your
information should be kept confidential, just as you would keep
other PIN numbers and security codes confidential. For your
protection we recommend that you change your Home Banking access
password regularly. It is recommended that you memorize this
password and do not write it down. You are responsible for keeping
your password, account numbers and other account data confidential.
If you believe that your password may have been lost or stolen,
or that someone has transferred or may transfer money between
your accounts without your permission, notify Savannah Postal Credit Union at once at 912-691-2087 .
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 Home Banking service, call 912-691-2087
or visit the credit union for these functions.
To get an initial password for the Home Banking
service, visit the credit union office or call us at 912-691-2087 .
Fees:
There is currently no fee for accessing your account(s) through
our Home Banking service. We reserve the right impose / change
the fee amount, if necessary, after providing 30 days notice
to all users at the Home Banking login page and/or e-mail address.
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
charge or credit your account. TRANSFERS WILL BE EFFECTIVE
BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION
but may occur sooner.
- Check Withdrawals: You may request a
check be mailed to you from your account.
- Account Balances: You may view your share
and loan account balances. 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 written against your balance, or other
electronic items such as debit card transactions, that have
not yet been presented to the credit union for payment.
The information regarding your account balances on this
website is provided to you as a courtesy pursuant to your
request. For members that have filed a petition seeking
bankruptcy protection under any chapter of the U.S. Bankruptcy
Code, no demand for payment is hereby made, and the information
provided is not to be construed as an attempt to collect
or recover any claim or debt in violation of the provisions
of 11 U.S.C. Section 362.
- Transaction history: You may view the
transaction history for any loan or share account. Because
the main credit union computer system is not connected to
the Internet, it is possible that some transactions are
not yet included in the history at the time you view it
even though they may have been processed by the credit union.
The main credit union computer system is always the official
record of account history. The Home Banking service may
be updated several times per day for your convenience in
viewing account activity.
- Download Transactions: You may download
transactions in various formats (as available on our site)
for import into personal financial software programs such
as Quicken® and MS Money®.
- View Check Images: You may view and print
images of paid checks that have cleared your account.
- Check orders: You may reorder checks
and/or view and order new check styles available through
Liberty Check Printers and 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 check available
will vary but dates will go back, at a minimum, to your
last regular statement date.
- Password Changes: If you are an Home
Banking user, you may change your password at any time from
within the Home Banking section. For your protection we
recommend that you change your Home Banking password regularly.
- Additional Services: From time to time,
we will announce additional services which are available
through our Home Banking. Your use of these services will
constitute acceptance of the terms and conditions presented
at the time they are announced.
We reserve the right to limit access or cancel on-line access
at any time.
Business Day:
Our business days are Monday through Friday. Holidays are not
included.
Operating Systems and Security:
Our Home Banking site is designed to operate using world wide
web technologies and protocols which are adaptable to a wide
range of systems. The Home Banking section 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 user's browser.
We use cookies to help us administer the Home
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 Home 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 Home Banking section. Until it times out, you
can come back to our Home Banking without logging 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 has 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. The best way is to completely close out of
the Internet entirely, so the next person to get on will have
to start with a new connection and a new browser. This is especially
important if you are using a public or shared computer.
Privacy:
Our Home Banking database is a private system operated for the
exclusive use of our members. We use SSL encryption and digital
server authentication to insure the privacy of your information
when sending data between our Home Banking server and your PC.
All Home Banking logins are logged by the server.
For authenticated members who use Home Banking , we collect
and store certain information such as how often you visit the
Home Banking section, dates and times of visits and which pages
are being used. We use this information for internal review
and product evaluation only. We never sell, transfer or trade
this information unless we are compelled to do so by law.
We may gather and store additional information
available to us on failed login attempts and other activity
we consider a threat to our system. In these cases, we will
share this information with other companies, agencies and law
enforcement officials as we determine necessary or as we are
required by law.
Protecting Children's Online Privacy:
We do not knowingly collect, nor is our Home Banking site designed
or directed, to use personal information from children under
the age of 13 without containing verifiable consent from their
parents. Should a child whom we know to be under the age of
13 send personal information to us, we will only use that information
to respond directly to that child, seek parental consent or
provide parental notice.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost or
stolen and immediately change your password from within the
Home Banking section. 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 within
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.
If you believe your password has been lost or
stolen or that someone has transferred or may transfer money
from your account without your permission, call:
912-691-2087
or write:
Savannah Postal Credit Union
P.O. Box 13807, Savannah, GA 31416
Statements:
All transactions generated by you through our Home Banking service
and any Home 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 instance:
- If, through no fault of ours, you do not have enough money
in your account to make the transfer;
- If the Home 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 Home 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,
without limitations, any warranties of fitness for a particular
purpose or warranties of merchantability.
Termination of Electronic Fund Transfer
Services:
You agree that we may terminate this Agreement
and your electronic fund transfer services if you, or any authorized
user of your Home Banking services or password, breach this
or any other agreement with us; or if we have reason to believe
that there has been an unauthorized use of your accounts or
password.
You or any other party to your account can terminate
this Agreement by notifying us in writing. Termination of service
will be effective the first business day following receipt of
your written notice. Termination of this Agreement will not
affect the rights and responsibilities of the parties under
this Agreement for transactions initiated before termination.
Home Banking services may be terminated to those
members that cause a loss to the Credit Union.
Notices:
The Credit Union reserves the right to change
the terms and conditions upon which this service is offered.
The Credit Union will mail notice to you at least thirty (30)
days before the effective date of any change, as required by
law. Use of this service is subject to existing regulations
governing the Credit Union account and any future changes to
those regulations.
Errors and Questions:
In case of errors or questions about your electronic
transfers, telephone us at 912-691-2087 or write us at P.O. Box 13807, Savannah, GA 31416 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:
- Your name and account number
- Why you believe there is an error and the dollar amount
involved
- 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
within 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 (10) business days. If we ask
you to put your complaint or question 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, call us at the telephone number shown above.