Electronic Access Agreement & Privacy Policy
May 2023
Please read this information carefully and retain a copy for your records.
Introduction:
This agreement between you and Trans Texas Southwest Credit Union (TTSWCU) contains the terms, conditions, and disclosures for TTSWCU’s E-services which include Home Banking, E-Statements and E-Notices. Each of your accounts at Trans Texas Southwest Credit Union is also governed by the applicable account agreement and disclosures you received when you opened your account.
In this agreement, the words “we”, “us”, and “our” mean the
Credit Union. The word “account” means any one or more accounts you have with
us. The words “you”, “your”, and “yours” mean all those who sign the
application or signature cards as applicants, joint owners, or authorized
users. By requesting and using our Home Banking, E-Statements, and/or E-Notices
services, you jointly, and severally, agree to the terms and conditions in the
agreement and any amendments. Each joint
owner, without the consent of any other account owner, is authorized to make
any transaction permitted under this agreement.
How
to Access Your Accounts:
To access your accounts through our
Home Banking service, you will visit our website www.transtexas.coop and must
have your member number/username and a Home Banking password. For your protection, we recommend that you
change your Home Banking access password regularly. 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 from your accounts without your
permission, notify Trans Texas Southwest Credit Union at once at 325-944-3184.
System
Requirements
Recommended operating system of
Windows 8 or higher. Recommend that you
use one of the latest 2 versions of any browser (Chrome, Firefox, Edge, etc.) except
Internet Explorer which is not supported.
Fees:
There are currently no fees for using TTSWCU’s
Home Banking, E-Statements, or E-Notices.
If you request a paper copy of a statement or notice you receive
electronically, you may be charged a fee.
We reserve the right to impose/change fees, if necessary, after
providing 30 days notice to all users at the Home
Banking login page, to your e-mail address, and/or by regular mail. Any transactions performed through Home
Banking are subject to charges under the same terms of your prior account and
loan agreements. There will be a $5.00
monthly service fee for Bill Pay if you have a Shares(Savings)
account only or if you have a Silver Star Share Draft(Checking) account.
Additional fees may apply to certain
features within Bill Pay such as rush payments or gift checks. You will be
notified before completing the transaction that a fee will apply, and you will
have the option to not complete the transaction. There will not be additional
fees with regular bill payments. 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, and subject to
funds availability and federal regulations. Transfers done through the service immediately
charge or credit your account. Transfers
may be made to another Member Account if you have the necessary account
information.
·
Account Balances:
You may view your share and loan
account balances. It is possible that some transactions that affect these
balances may be pending and are not yet included in the balance at the time you
view it. There may be drafts/checks 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. The Home Banking service may be updated throughout
the day with new 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®.
·
Check search:
You may search for drafts/checks 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.
·
E-Statements:
If you are a Home Banking user, you
may sign up for electronic statements to replace your paper statements. You
will not be able to view your E-Statement until the next regular monthly or
quarterly statements are delivered to our members. Your E-Statements are
available to view, print and/or save to your computer. Once accumulated, 18
months of E-Statements will be available to you online.
·
E-Notices:
You may sign up for electronic notices
to replace some notices you are currently receiving by mail. This includes
notices for NSFs, Overdrafts, Loan Delinquency, etc. You will receive your E-Notices
at the email address we have on file.
·
Bill Pay:
If you are a Home Banking user, you
may sign up for online Bill Pay. You must login to your account and select the
Bill Pay link. You will be directed to our Bill Pay site, where you will enroll
yourself. Once enrolled you can make one-time bill payments, set up recurring
bill payments, make charitable donations and send gift checks. Some fees may
apply with this service. Daily cut off time is 3:00 pm CT.
· E-mail:
We may not immediately receive e-mail communications that you send, and will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. If you need to contact us immediately regarding errors or unauthorized transactions to your account, you may call us at 325-944-3184 during regular business hours.
·
Password/Username Changes:
You may change your password or
username at any time within Home Banking under User Profile & Settings. 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.
·
Availability:
The Home Banking service is
generally available 24 hours a day, seven days a week; however, service may be unavailable from time to time for routine
software and hardware maintenance or due to an unexpected outage.
Billing
or Statement Errors
In case of errors or questions
about your TTSWCU transactions, call us at 325-944-3184, or notify us in
writing, or visit the office located at 3401 W. Loop 306 San Angelo, TX 76904
during regular business hours.
We must hear from you no later
than 60 days after we sent you the first statement on
which the problem appeared. You must provide the following:
· Your name
and account number.
·
Describe the error or transaction you are
unsure about, and explain, as clearly as you
can, why you believe it is an error or why you need more information.
· The dollar
amount and date of suspected error.
We will investigate the problem
within 10 business days after we hear from you and we
will correct any error promptly. If we need more time to investigate your
complaint or question, it may take up to 45 days (90 days if the transfer
involved an electronic funds transfer, point of sale transaction, or a foreign-initiated
transfer). We may credit your account within 10 business days. If we decide
that there was no error, we will contact you by the phone number listed on your
account. You may request copies of all documentation used for our decision.
Your
Liability for Unauthorized Transactions
Tell us AT ONCE if you believe
there have been unauthorized transactions on your account(s). You are
responsible for all transfers and bill payments you authorize under this
Agreement. If your statement shows Home Banking transfers that you did not
make, notify us at once. If you do not tell us within 60 days after the
statement was sent to you, you may be liable for the full amount of loss.
Security
of Your Password
Your password is for your
security, is confidential, and should NOT be disclosed to third parties or
recorded on paper. For your protection, Home
Banking will be locked out after several unsuccessful login attempts, and there
are limits on the duration of each Home Banking session. You agree not to disclose or otherwise make
your password available to anyone not authorized to sign onto your accounts.
You understand that any joint owner you authorize to use your password may
withdraw or transfer funds from any of your accounts. If you fail to maintain
the security of your password and the Credit Union suffers a loss, we may
terminate your electronic services immediately.
In
the Event of an Unauthorized Transaction or Lost or Stolen Password.
If you believe that someone has
stolen or used your password or has transferred money from your account without
your permission, call us at 325-944-3184 during regular business hours or write
to:
Trans Texas Southwest Credit
Union, 3401 W. Loop 306 San Angelo, TX 76904.
Links
to Third Party Sites
The Trans Texas Southwest Credit
Union Site/Services may contain links to third party websites ("Linked
Sites"). The Linked Sites are not under the control of TTSWCU
and we are not responsible for the contents of any Linked Site, including,
without limitation, any link contained in a Linked Site, or any changes or
updates to a Linked Site. The Credit Union is not responsible for webcasting or any other form of transmission received from
any Linked Site nor is TTSWCU responsible if the Linked Site is not working
appropriately. Trans Texas Southwest Credit Union is providing these links to
you only as a convenience, and the inclusion of any link does not imply
endorsement by TTSWCU of the site or any association with its operators. You
are responsible for viewing and abiding by the privacy statements and terms of
use posted at the Linked Sites. Any
dealings with third parties (including advertisers) included within the Trans
Texas Southwest Credit Union Site/Services or participation in promotions,
including the delivery of and the payment for goods and services, and any other
terms, conditions, warranties, or representations associated with such dealings
or promotions, are solely between you and the advertiser or other third party.
Trans Texas Southwest Credit Union shall not be responsible or liable for any
part of any such dealings or promotions.
No
Unlawful or Prohibited Use:
As a condition of your use of the
Trans Texas Southwest Credit Union Site/Services, you will not use the Credit
Union Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may
not use the TTSWCU Site/Services in any manner which could damage, disable,
overburden, or impair any Trans Texas Southwest Credit Union Site/Service(s)
(or the network(s) connected to any TTSWCU Site/Service(s)) or interfere with
any other party's use and enjoyment of any TTSWCU Site/Service(s). You may not
attempt to gain unauthorized access to any Trans Texas Southwest Credit Union
Site/Service, other accounts, computer systems or networks connected to any TTSWCU
Site/Service, through hacking, password mining or any other means. You may not
obtain or attempt to obtain any materials or information through any means not
intentionally made available through the Credit Union Sites/Services.
Termination/Access
Restriction:
Trans Texas Southwest Credit Union
reserves the right, at its sole discretion, to terminate your access to the TTSWCU
Site/Services and the related services or any portion thereof, at any time,
without notice. The Credit Union may also
terminate or suspend your access to Trans Texas Southwest Credit Union
Site/Service(s) for inactivity, which is defined as failing to login to a
particular service for an extended period of time, as
determined by TTSWCU. Upon termination of the Trans Texas Southwest Credit
Union Site/Service, your right to use the Credit Union Site/Service immediately
ceases. We shall have no obligation to maintain any content or to forward any
unread or unsent messages to you or any third party.
- - - - - - - - - -
E-Statement and E-Notice Enrollment
This agreement will provide
authorization for electronic delivery of certain Credit Union generated
statements, disclosures, and notices. These are statements, disclosures, and
notices that are currently being mailed to you or any that could be mailed to
you as other services are provided. In order to
receive your statements and notices electronically, you are required to have an
open account and must be enrolled in the Credit Union’s Home Banking System. Once enrolled, you will no longer receive
paper statements and/or notices in the mail.
E-Statements:
This service allows you to
retrieve, view, and print your account statements from within Home Banking by
selecting the Statements link. By
accessing your online statements, you will be able to view your account and
transaction activity
for your deposit and loan accounts, electronic funds transfer transactions,
notice of billing error rights under Federal Regulations Z and E, and Trans
Texas Southwest Credit Union communications, which may contain important legal
notices that affect you.
E-Notices:
We will send your account notices
via e-mail to the last known e-mail address provided and verified by you (as
per the requirements of the set-up process). This service allows you to view
and print your account notices from your personal e-mail address.
By enrolling in E-Statements and
E-Notices, you confirm you have received, understand, and agree to be bound by
this agreement. By choosing E-Statements
and E-Notices, you are consenting to receive from us, by electronic means only,
account statements and notices. These
notices include but are not limited to:
Overdraft Notices & Non-Sufficient Funds Notices
Loan Payment Notices & Loan Past Due Notices
Share Certificate Maturity Notices