By continuing beyond this page you are agreeing to the terms and conditions in the Home Banking, Bill Payment, Mobile Banking and Text Banking Electronic Fund Transfer Disclosure and Agreement below. Please read this disclosure carefully and print it for your records when you apply for your Home Banking service and again when applying for Bill Payment, Mobile Banking and Text Banking services if done at a later date. Please note that your initial acceptance of this Agreement by clicking on the "accept" button at the bottom of this page DOES NOT enroll you in our Bill Payment, Mobile Banking or Text Banking Service. You must enroll separately for Bill Payment and Text Banking from within Home Banking. For Mobile Banking, you must enroll separately within the Mobile Banking Application. This page will not appear again. A copy of this Agreement can be printed by using your browser's print command and a printer. If you are unable to print this document, a copy can be provided to you by the Credit Union upon request.

Home Banking, Bill Payer, Mobile Banking and
Text Banking Electronic Funds Transfer
Disclosure and Agreement

This Home Banking, Bill Payer, Mobile Banking and Text Banking Electronic Funds Transfer Disclosure and Agreement as amended from time to time ("Agreement") sets forth the terms and conditions governing the use of San Diego Metropolitan Credit Union's Home Banking Electronic services "MetroNet", "BillPay", "Mobile Banking" and "Text Banking." Disclosure information that applies to MetroNet, BillPay, Mobile Banking and Text Banking services offered by San Diego Metropolitan Credit Union is given below. Please read this Agreement completely and retain it with your personal records. By using, or allowing another person to use, MetroNet, BillPay, Mobile Banking and Text Banking services offered by San Diego Metropolitan Credit Union, you are agreeing to be bound by the terms and conditions of this Agreement. In this Agreement, the terms "you" and "your(s)" refer to the member, and the terms "we", "us", "our(s)" and "Credit Union" refer to San Diego Metropolitan Credit Union. All agreements and disclosures shall be construed in accordance with the provisions of the California Uniform Commercial Code (UCC). This Agreement is incorporated by this reference and becomes a part of San Diego Metropolitan Credit Union's Electronic Funds Transfer Disclosure and Agreement. All other terms and conditions of your Electronic Funds Transfer Disclosure and Agreement, as amended, remain in force.

ELECTRONIC DISCLOSURE OF METRONET, BILLPAY, MOBILE BANKING AND TEXT BANKING ELECTRONIC FUNDS TRANSFER DISCLOSURE AND AGREEMENT

By accessing the MetroNet, BillPay, Mobile Banking and/or Text Banking services, you acknowledge electronic receipt of the Credit Union's MetroNet, BillPay, Mobile Banking and Text Banking Electronic Funds Transfer Disclosure and Agreement. You agree that you have read this Agreement in its entirety and will abide by its terms and conditions. You understand that the Credit Union will not provide you with an additional paper (non-electronic) copy of this Agreement unless you specifically request it.

WHO IS BOUND BY THIS AGREEMENT

Each person ("signer") who completes the online MetroNet, BillPay, Mobile Banking and Text Banking Application and/or enters their PIN/Personal Security Code or signs a MetroNet, BillPay, Mobile Banking and Text Banking Application agrees to be bound by the terms and conditions of this Agreement. If more than one person signs the Application, enters their PIN/Personal Security Code, or completes the online Application, all signers are jointly and severally liable. The Credit Union can waive or delay enforcement of its rights as to one signer without affecting its ability to enforce its rights as to the other signers. The Agreement is also binding upon your heirs, personal representatives and successors. By accessing the system, or authorizing anyone else to access the system, and/or by signing the application, you agree to be bound by the terms and conditions of the Agreement.

RIGHT TO RECEIVE DOCUMENTATION OF TRANSACTIONS

You will receive a monthly account statement reflecting all of your transactions unless there is no activity in a particular month. In any case you will receive a statement at least quarterly. If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at (619) 297-4835 to find out whether or not the deposit has been made. If the only possible transfers to or from your account are direct deposits or pre-authorized deposits, you will get at least a quarterly statement from us.

YOUR LIABILITY FOR LOST, STOLEN OR UNAUTHORIZED TRANSACTIONS

Tell us AT ONCE if you believe your ATM/POS Card and/or Personal Identification Number (PIN) has been lost or stolen, or if you believe that an electronic transfer has been made without your permission using information from your check. You could lose all the money in your account plus your maximum overdraft line of credit. If you tell us within sixty (60) days of our sending you the statement on which the unauthorized use appears, you can lose no more than $50.00 if someone used your ATM/POS Card or PIN without your permission.

Also, if your statement shows transactions 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 (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

If you have authorized someone else to use the ATM/POS Card and/or PIN, you are responsible for all transactions that person or persons initiates at any time, even if the amount or transactions exceed what you may have authorized, unless you notify us that transfers by that person or persons are no longer authorized.

HOW TO NOTIFY THE CREDIT UNION IN THE EVENT OF AN UNAUTHORIZED TRANSACTION

If you believe your PIN has been lost or stolen or someone has transferred or may transfer money from your account without your permission, call us at (619) 297-4835, or write to us at Member Services, P.O. Box 719099, San Diego, CA 92171-9099. You should also call the number or write to the address listed above if you believe a transfer has been made using information from your check without your permission.

BUSINESS DAYS

For purposes of these disclosures, our business days are Monday through Friday, excluding holidays.

PERSONAL IDENTIFICATION NUMBER

The Credit Union will issue you (or you may select your own) a Personal Identification Number (PIN). This number should be memorized. After memorizing it, you should destroy it. Your accounts can only be accessed by the use of an access device with the PIN. If you forget your PIN, contact the Credit Union and we will issue you a new one.

OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS

If we do not complete a transaction to or from your accounts on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance, if:

  1. through no fault of ours, you do not have enough money in your account to make the transaction;

  2. the transaction would go over the credit limit on your credit line;

  3. the network system was not working properly and you were aware of the malfunction when you started the transaction;

  4. circumstances beyond our control (such as fire, flood, power failure, or computer down-time) prevented the transactions despite reasonable precautions that we have taken;

  5. the money in your account is subject to an uncollected funds hold, legal process or any other encumbrance or agreement restricting a transaction;

  6. your PIN/Personal Security Code has been entered incorrectly;

  7. the payee or Postal Service mishandles or delays a payment sent by our bill payment service provider;

  8. you have not provided our bill payment service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or

  9. the failure to complete the transaction is done to protect the integrity of the system or to protect the security of your account.

There may be other exceptions not specifically mentioned above.

CHARGES

All charges associated with our MetroNet, BillPay, Mobile Banking and Text Banking services electronic funds transactions are disclosed in our Fee Schedule which accompanies this Agreement.

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES

We will disclose information to third parties about your account or the transfers you make:

  1. when it is necessary to complete the transaction;

  2. in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant;

  3. in order to comply with government agency or court orders or other legal process; or

  4. if you give us your prior oral or written permission.

ADDRESS CHANGE

You are required to keep the Credit Union informed of your current address to insure correct mailing of monthly statements.

AMENDMENTS

The Credit Union may change the terms and conditions of this Agreement from time to time by mailing written notice to you at your address as it appears on our records. If any change results in greater cost or liability to you or decreases access to your accounts, you will be given at least twenty-one (21) days prior notice of the change. Prior notice may not be given where an immediate change in terms or conditions is necessary to maintain the integrity of the system and/or the security of our MetroNet, Bill Payment, Mobile Banking and Text Banking services or designated accounts.

TERMINATION

You may terminate this Agreement with us at any time. The Credit Union reserves the right to terminate this Agreement and/or your use of our MetroNet, Bill Payment, Mobile Banking and Text Banking services with or without cause. We may do so immediately if:

  1. you or any authorized user of your account breaches this or any other agreement with the Credit Union;

  2. we have reason to believe that there has been or might be an unauthorized use of your account; or

  3. you or any authorized user of your account requests that we do so.

ATTORNEYS' FEES

You agree to pay the Credit Union all of our costs and reasonable attorneys' fees, including all collection costs, litigation costs, skip-tracing fees, and outside services fees incurred while we are enforcing our rights under this Agreement.

ADDITIONAL BENEFIT ENHANCEMENTS

The Credit Union may from time to time offer additional services to you in connection with your accounts.

Some services may be at no additional cost to you and others may involve a specified fee. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.

RESERVATION OF RIGHTS

Failure or delay by the Credit Union to enforce any provision of this Agreement or to exercise any right or remedy available under this Agreement, or at law, shall not be deemed a waiver and the Credit Union expressly reserves the right to enforce such provision, or to exercise such right or remedy, at a later date.

OTHER AGREEMENTS

Except as stated otherwise in the Agreement, this Agreement does not alter or amend any of the terms or conditions of any other agreement you may have with the Credit Union.

SEVERABILITY

If any part of this Agreement should be held to be unenforceable, the remaining provisions of this Agreement shall remain in full force and effect.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS

Telephone us at 619.297.4835 or write us at P. O. Box 719099, San Diego, CA 92171-9099 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. You should also call the number or write to the address listed above if you believe a transfer has been made using information from your check without your permission. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If we do not hear from you within 60 days after we sent the first statement, you may be liable for any unauthorized transfers occurring after the end of the 60 day period and before notice to us. If you prove that your delay in notifying us was due to extenuating circumstances beyond your reasonable control, such as an extended trip or hospital stay, we will extend the 60 day period by a reasonable period.

  1. Tell us your name and account number (if any).

  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

  3. Tell us the dollar amount of the suspected error.

  4. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

  5. We will tell you the results of our investigation within 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 45** days to investigate your complaint or question. If we decide to do this, we will credit your account within 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 our investigation. (If the error you assert is an unauthorized VISA transaction, other than a cash disbursement at an ATM, we will credit your account within 5 business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within 10 business days.) If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

If we decide that there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

* If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of 10 business days.
** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have 90 days instead of 45 days to investigate.

RIGHT TO STOP PAYMENT OF PREAUTHORIZED TRANSFERS AND RIGHT TO RECEIVE NOTICE OF VARYING AMOUNTS

  1. Right to stop payment and procedure for doing so.

    If you have told us in advance to make regular payments out of your account, you can also stop any of these payments. Here's how: Call (619) 297-4835, or write us at Member Services, P. O. Box 719099, San Diego, CA 92171-9099, in time for us to receive your request three business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

  2. Notice of varying amounts.

    If these regular payments vary in amount, the person you are going to pay will tell you ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.

» Additional Disclosures Applicable to MetroNet

MetroNet allows convenient access to your account information 24 hours a day. To use MetroNet, you must have an Internet enabled device, a compatible browser, your user name and password.

Your MetroNet access may be suspended if there has been no activity for a period of ninety (90) days or more.

TRANSACTIONS AVAILABLE

You may use your MetroNet service to perform the following transactions:

LIMITATIONS ON TRANSACTIONS

The following are limitations to the use of the MetroNet Service:

» Additional Disclosures Applicable to BillPay

To use BillPay you must have a checking account as well as an Internet enabled device, a compatible browser, and your MetroNet username and password.

OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS

If we do not complete a transaction to or from your accounts on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance, if:

There may be other exceptions not specifically mentioned above.

TRANSACTIONS AVAILABLE

You may use your BillPay Service to perform the following transactions:

LIMITATIONS ON TRANSACTIONS

METHODS AND RESTRICTIONS

You can locate the payment method of a particular payment by clicking the "Edit Payment" icon in the "Scheduled payments" section or the "View Payment" icon in the "Recently processed payments" section. The payment method is indicated by "Electronic" or "Check" in the "Type" field.

It is important that you take into consideration what method of payment will be used when scheduling bill payments to ensure payment deadlines are met. If the payee accepts electronic payments, the payment will be sent within two (2) business days. If the payee does not accept electronic bill payments, the check payment will be sent via U.S. Mail within four (4) business days.

If a debit to your account for a bill payment is returned to our bill pay provider for insufficient funds (NSF), your bill pay account will be blocked. Our provider may take any of the following actions to resolve the matter: a) resubmit the debit; b) reverse the payment from the payee; or c) stop payment on the check. The action taken will depend on the method and amount of the payment as well as any agreements in place between the payee and our provider. If the debit is not paid after three (3) attempts, your account will go into Collection. If the debit is subsequently paid in full, your bill pay account will be unblocked within three (3) business days. We reserve the right to stop or terminate the Bill Pay service if excessive debits are returned NSF. Note: Transactions covered by our Bounce Guard program will not be deemed NSF for purposes of this section but will be subject to applicable Bounce Guard fees (refer to For Checking Accounts with Bounce Guard section of the Truth in Savings Disclosure and applicable Fee Schedule).

Your BillPay account may be closed if there has been no activity for a period of ninety (90) days or more.

CANCELLING BILL PAYMENTS

You can cancel a scheduled payment prior to processing by clicking the "Cancel Payment" icon in the "Scheduled Payments" section. The "Cancel" feature is available up to 6:00 p.m. Pacific Standard Time (PST) on the scheduled processing date. You cannot cancel a payment that has already been processed.

RIGHT TO STOP PAYMENT FOR BILLPAY

You can stop payment on bill payments issued in check form if the check has not been processed by the payee. Here's how: Call us at 619.297.4835 or write to Member Services at P. O. Box 719099, San Diego, CA 92171-9099. The Stop Payment must be received in such time and manner as to allow us a reasonable opportunity to act upon it.

Electronic payments cannot be stopped. You will need to contact the payee to retrieve payments after the scheduled processing date

MEMBER RESPONSIBILITIES

You are responsible for:

MetroNet BillPay Fee Schedule

EFFECTIVE AS OF: April 1, 2012

BillPay Enrollment Fee     Free
BillPay Monthly Service Charge Free
BillPay NSF Fee $29.00
BillPay Stop Payment $29.00

» Additional Disclosures Applicable to Mobile Banking

To use the Mobile Banking service, you must have a smart phone device with a service plan that includes data and Internet access, your MetroNet service user name and password and download the San Diego Metropolitan Credit Union Mobile Banking Application from your device's application store. Third party fees may apply for data and Internet access. Contact your mobile device carrier for additional information.

TRANSACTIONS AVAILABLE

You may use Mobile Banking to perform the following transactions:

LIMITATIONS ON TRANSACTIONS

No more than six (6) preauthorized, automatic, online or telephonic transfers made to another account at the Credit Union or to a third party or no more than six (6) withdrawals made by check, draft, check card or similar order payable to a third party may be made from each Money Market Account in any calendar month. If you exceed, or attempt to exceed, these transfer limits, the excess transfer requests may be refused or reversed, a fee may be imposed on the excess transfer requests, and we may reclassify or close the account. Transfers initiated by telephone must be counted among the six (6) monthly transfers, except that there are no limits on the number of withdrawals paid directly to you when initiated by mail, telephone or messenger. There are no limits on the number of withdrawals if initiated in person.

» Additional Disclosures Applicable to Text Banking

To use Text Banking, you must have a cellular phone with a text messaging plan and have enrolled in the service through MetroNet. Standard messaging rates may apply. Contact your cellular phone carrier for additional information.

TRANSACTIONS AVAILABLE

You may use Text Banking to perform the following transactions:

LIMITATIONS ON TRANSACTIONS

No more than six (6) preauthorized, automatic, online or telephonic transfers made to another account at the Credit Union or to a third party or no more than six (6) transfers or withdrawals made by check, draft, check card or similar order payable to a third party check, draft, check card or similar order payable to a third party may be made from each Money Market Account in any calendar month. If you exceed, or attempt to exceed, these transfer limits, the excess transfer requests may be refused or reversed, a fee may be imposed on the excess transfer requests, and we may reclassify or close the account. Transfers initiated by telephone must be counted among the six (6) monthly transfers, except that there are no limits on the number of withdrawals paid directly to you when initiated by mail, telephone or messenger. There are no limits on the number of withdrawals if initiated in person.

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