By continuing beyond this page you are agreeing to the terms and conditions in the Digital Banking Electronic Fund Transfer Disclosure and Agreement below. Please read this disclosure carefully and print it for your records when you apply for your Online Banking service and again when applying for Bill Pay, 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 Pay, Mobile Banking or Text Banking Service. You must enroll separately for Bill Pay and Text Banking from within Online Banking. For Mobile Banking, you must enroll separately within the Mobile Banking Application. This Agreement can be viewed at any time by clicking the "Disclosure" link at the bottom of any Online Banking page. 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.
This Digital 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 Digital Banking Electronic services "Online Banking", "Bill Pay", "Mobile Banking" and "Text Banking." Disclosure information that applies to Online Banking, Bill Pay, Mobile Banking and/or 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, Online Banking, Bill Pay, 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.
By accessing the Online Banking, Bill Pay, Mobile Banking and/or Text Banking services, you acknowledge electronic receipt of the Credit Union's Digital 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 a paper (non-electronic) copy of this Agreement unless you specifically request it.
Each person ("signer") who completes the online Online Banking, Bill Pay, Mobile Banking and Text Banking Application and/or enters their password or signs an Online Banking, Bill Pay, 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 password, 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.
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.
Tell us AT ONCE if you believe your Personal Identification Number (PIN) or password 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 have one with us). If you tell us within two (2) business days, you can lose no more than $50 if someone used your PIN or 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 PIN or password, and we can prove that we could have stopped someone from using your PIN or 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 (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you have authorized someone else to use the PIN or password, 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.
If you believe your password 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.
For purposes of these disclosures, our business days are Monday through Friday, excluding holidays.
The Credit Union will issue you a temporary password. To use Online Banking, Bill Pay, Mobile Banking and Text Banking you must change your password. The password should be memorized. Your accounts can only be accessed by the use of an access device with the password. If you forget your password, contact the Credit Union and we will issue you a new one.
There may be other exceptions not specifically mentioned above.
All charges associated with our Digital Banking services electronic funds transactions are disclosed in the Bill Pay Fee Schedule contained in this Agreement.
You are required to keep the Credit Union informed of your current address to insure correct mailing of monthly statements.
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 Digital Banking services or designated accounts.
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.
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.
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.
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.
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.
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 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.
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.
Online Banking allows convenient access to your account information 24 hours a day. To use Online Banking, you must have an Internet enabled device, a compatible browser, your user name and password.
Your Online Banking access may be suspended if there has been no activity for a period of ninety (90) days or more.
Bill Pay is available to members in good standing with an eligible checking account. Rebuilder accounts and accounts owned by minors are not eligible. To use Bill Pay you must have an Internet enabled device, a compatible browser, and your Online Banking username and password.
There may be other exceptions not specifically mentioned above.
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.
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.
Electronic payments cannot be stopped. You will need to contact the payee to retrieve payments after the scheduled processing date
EFFECTIVE AS OF: April 1, 2012
|Bill Pay Enrollment Fee||Free|
|Bill Pay Monthly Service Charge||Free|
|Bill Pay NSF Fee||$29.00|
|Bill Pay Stop Payment||$29.00|
To use the Mobile Banking service, you must have a smart phone, tablet, or other internet-enabled mobile device with a service plan that includes data and Internet access, your Online Banking 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.
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.
To use Text Banking, you must have a cellular phone with a text messaging plan and have enrolled in the service through Online Banking. Standard messaging rates may apply. Contact your cellular phone carrier for additional information.
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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