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Terms and Conditions
Sabine FCU Terms & Conditions
Online Banking Service:
The following information describes the types of electronic funds transfers which are available to members through Online Banking/Internet Access and your rights and responsibilities concerning those transactions, including your rights under the Electronic Fund Transfer Act. You may want to print or save this document for future reference. Please read this document carefully. Some of the information may not pertain to you.
Electronic Funds Transfer:
An Electronic Fund Transfer (EFT) is any transaction involving funds initiated through an electronic terminal, telephone line, computer or magnetic tape authorizing the credit union to debit or credit your account.
Types of Electronic Fund Transfers Available:
With your Password and access to the World Wide Web, you may make the following transactions at any time 24 hours per day: balance inquiries, account and loan history inquiries, check clearing inquiries, transfer from one of your accounts to another one of your accounts (under the same or another member number), and loan payments to your loans.
For all savings and Christmas club accounts, no more than six (6) preauthorized, automatic, telephone or Internet transfers and withdrawals may be made from these accounts to another account of yours or to a third party in any month. If you exceed these limitations, your account may be subject to a fee or be closed.
Online Banking does not permit withdrawals or transfers to or from Individual Retirement Accounts (IRAs), certificates of Deposit, or escrow accounts.
Consumer Liability for Unauthorized Transfers:
CONTACT US AT ONCE if you believe your password has been lost or stolen. Telephoning is the best way to control your loss. Notice of unauthorized use must be confirmed in writing. 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. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password 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, tell 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 the money if you had told us in time. If a good reason kept you from telling us, we may extend the time periods.
Telephone: (409) 988-1300 or 1(888) 319-7328
or write to: Sabine Federal Credit Union
P.O. Box 3000
Orange, TX 77631-3000
Email: sabinefcu@sabinefcu.org
We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following:
a) Your name and account number;
b) Description of the error you are unsure about and why you believe it is an error or why you need more information;
c) The dollar amount of the suspected error.
If you tell us verbally, we will require that you send us your complaint in writing within ten (10) business days or we may not credit your account. We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation.
If we decide there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in the investigation.
Stop Payment Rights:
If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfer from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made. A stop payment request for preauthorized Electronic Fund Transfers will apply to all subsequent transfers, unless you withdraw the request.
Liability for Failure to Stop Payment of Preauthorized Transfers:
If you order us to stop payment of a preauthorized transfer three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages.
There are no monthly charges to maintain your Online Banking service.
Disclosure of Account Information to Third Parties:
Information about your account is confidential. We will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency, or court order, or if you give us your written permission.
Right to Receive Documentation:
a. Periodic Statements – Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio response transaction, preauthorized EFTs, online/PC transactions, mobile access device transactions or bill payments you make will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly.
b. Terminal Receipt – You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point of sale (POS) terminal.
c. Direct Deposit – If you have a direct deposit made to your account at least once every 60 days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been made by calling 409-988-1300 or 888-319-7328. This does not apply to transactions occurring outside the United States.
Our Liability for Failure to Complete an Electronic Fund Transfer Transaction:
If we fail to complete a transaction to or from your account on time or in the correct amount according to our agreement with you, we will be liable for damages caused by our failure unless:
1. There are insufficient funds in your account to complete the transaction through no fault of ours;
2. The funds in your account are uncollected;
3. The funds in your account are subject to legal process;
4. The transaction you request would exceed the funds in your account plus any available over draft credit;
5. We have reason to believe that the transaction requested is unauthorized;
6. The failure is due to an equipment breakdown which you knew about when you started the transaction at the terminal;
7. The transaction would exceed security limitations;
8. Circumstances beyond our control that occur despite reasonable precautions.
In any case, we shall only be liable for actual proven damages if the failure to make the transaction resulted from an actual error despite our procedures to avoid such errors.
Additional Terms and Conditions:
Each joint owner appearing on your savings account, regardless of whether his or her name appears on your checking account, certificates of deposit, IRAs, and loan accounts will have access to information associated with those accounts. This includes joint owners presently on your savings account and joint owners added in the future.
Overdrawing your account - You agree that you will not use Online Banking to overdraw your account. If an overdraft in your account does occur, you will pay the full amount of the overdraft to the credit union immediately upon request and the current fee for overdrafts. This paragraph does not apply to any action in connection with any line of credit account. In such cases, the line of credit agreement will govern these costs.
The Credit Union shall have as security for the payment of all indebtedness now and in the future owing any of the account owners to the Credit Union (whether direct or indirect), a security interest in all amounts credited to the savings account, on all checks, drafts and other items delivered for collection by, for, or through any of the account owners. The Credit Union, without prior notice or demand, may charge such indebtedness against the savings account whenever the Credit Union believes that prospect of payment is impaired.
You agree that you will not use your Online Banking access for any transaction that is illegal under applicable federal, state or local law. Such use would constitute default and/or breach of contract and may result in termination of service.
The credit union has the right to amend, change or cancel the services or access offered. We will notify you at least twenty-one (21) days before a change will take effect if it will cause you greater costs or liability or if it will limit your ability to engage in electronic payments or deposits. We do not have to notify you in advance if the change is necessary for security reasons.
In exchange for being granted access to Online Banking through the World Wide Web, I(we) agree to legally be bound by the following terms and conditions:
Business Days:
Our business days are Monday thru Friday, excluding holidays.
Liability for Unauthorized Transaction:
I agree to contact you at once if I believe my Online Banking password has been lost or stolen or money is missing from my account(s). I also agree that if my monthly statement shows transactions which I did not make, and I do not contact you within sixty (60) days after the statement was mailed, I may not recover any money lost after that time. I AGREE IF I GIVE MY account number AND password TO SOMEONE ELSE TO USE, I AM RESPONSIBLE FOR ANY USE BY THEM.
I agree that when I deposit a check or other non-cash item, you have the right to collect those funds before you make the money available to me.
I hereby acknowledge receipt of the disclosure statement informing me of my rights under the Electronic Fund Transfer Act and a copy of this Agreement.
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