e-Banking Disclosure
Introduction:
This page explains the terms and conditions for using
our Internet Home Banking Service and provides certain disclosures and
information to you concerning the service. Each of your accounts at Fleur de Lis FCU 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 Internet Home
Banking service, you must have your account number and an Internet 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 Fleur de Lis FCU at once at (504) 838-5456.
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
Internet Home Banking service, call (504) 838-5456
or visit the credit union for these functions.
To get an initial password for the Internet Home
Banking service, visit the credit union office or call us at (504) 838-5456.
Fees:
There is currently no fee for accessing your account(s)
through our Internet 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.
- 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.
- 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 Internet Home
Banking service may be updated several times per day for your convenience
in viewing account activity.
- Password Changes:
If you are an Internet 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.
- Check orders:
You may reorder checks and/or view and order new check styles available
through the credit union. We will not process check order requests if
you do not have a checking account at 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.
- Additional Services:
From time to time, we will announce additional services which are available
through our Internet 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 Internet 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 users 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. 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 see
fit.
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.
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 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:
(504) 838-5456
or write: Fleur de Lis FCU
433 Metairie Rd. Suite 114 Metairie, Louisiana 70005
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 or flood) 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.
Errors and Questions:
In case of errors or questions about your electronic
transfers, telephone us at (504) 838-5456
or write us at 433 Metairie Rd. Suite 114 Metairie, Louisiana 70005 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.
If we decide that 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 our investigation.
If you need more information about our error resolution
procedures, call us at the telephone number shown above.
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