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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 the Alliance Niagara 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 Alliance Niagara FCU at
once at (716) 614-6445. 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 (716) 614-6445 or visit the Alliance Niagara FCU
for these functions. The initial password for the Internet
Home Banking service will be your last 4 digits of your Social
Security Number.
Available
Services and Limitations:
Members through the Internet Home Banking service
may perform the following functions:
- Transfers: You may transfer funds between your Share (Savings), Share
Draft (Checking), and Loan Accounts. Transfers done through
the service DO NOT immediately charge or credit your account(s).
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 account balance for each account
at the Alliance Niagara FCU. Because the main Alliance Niagara FCU computer system
is not connected to the Internet, it is possible that some
transactions that affect these balances, and have been processed
by the Alliance Niagara FCU, are not yet included in the balance at
the time you view it. In addition, there may be drafts written
against your, or other electronic items such as debit card
transactions that have not yet been presented to the Alliance Niagara
FCU for payment.
- Transaction History: You may view the transaction history for every
account you hold at the Alliance Niagara FCU. Because the main Alliance Niagara
FCU 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 Alliance Niagara FCU. The main Alliance Niagara FCU
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 the
account activity. History will go back 90 days from the
current date.
- 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 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 be 90 days from
the current date.
- Additional Services: From time to time, we will announce additional
services, which are available through our Internet Home
Banking service. Your use of these services will constitute
acceptance of the terms and conditions presented at the
time they are announced.
We, Alliance Niagara FCU, reserve the right to limit access or
cancel on-line access at any time.
Business
Day:
Alliance Niagara FCU’s business days are Monday through Friday.
Holidays are not included.
Operating
Systems and Security:
Our Internet home banking site is designed to operate
using the World Wide Web technologies and protocols, which
are adaptable to a wide range of systems. The home banking
section use SSL encryption and requires a browser with the
ability to use SSL encrypted connections. Some older browsers
may not be able to connect to the site without first updating
the browser. Our server uses 128-bit domestic encryption,
and 40-bit international encryption, depending on the users
browser.
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 logout from
the Internet Home Banking service. An idle connection will
time out, and automatically log you out.
Time Out is set for: 5 minutes.
Privacy:
Our home banking database is a private system operated
for the exclusive use of our members. We use
SSL encryption to insure the privacy of your information
when sending data between our home banking server and your
PC.
The server logs all home banking authenticated logins.
We use this information for internal review and product evaluations
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 including, but not limited to: 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 the Alliance Niagara FCU 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:
(716) 614-6445
Or write:
Alliance Niagara FCU
PO Box 258 Sanborn, NY 14132
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 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 (716) 614-6445 or write us at the
above address as soon as you can. We must hear from you no
later than sixty (60) days after your 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 will 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. When
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.
Alliance Niagara FCU
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