Member.Net Home Banking Terms-of-Use Agreement
Member.Net Home Banking Terms-of-Use Agreement
KUMC Credit Union
12510 W 62nd Terr., Suite 104, Shawnee KS 66216
Phone: 913-588-5376
12510 W 62nd Terr., Suite 104, Shawnee KS 66216
Phone: 913-588-5376
This document 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 KUMC Credit Union 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 Member.Net Home Banking service, you must have your account number and a 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 Member.Net home banking 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 KUMC Credit Union at once at 913-588-5375. You cannot use E-mail to initiate transactions, changed 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, visit KUMC Credit Union office or call us at 913-588-5376.
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 KUMC Credit Union at once at 913-588-5375. You cannot use E-mail to initiate transactions, changed 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, visit KUMC Credit Union office or call us at 913-588-5376.
E-Statement/E-Notices
All transactions generated by you through our home banking service and any home banking fees will appear on your monthly or quarterly E-statement. By agreeing to these terms, you agree to receive electronic statements and E-notices delivered to your online banking. You are electing to receive a notice by email that your E-statement or E-notice is available. Your E-statement or E-notice will be available through your Online Banking account.
E-statements/E-notices can be printed or saved to a file on your computer for easy storage. You must have the ability to view, print, and retain documents in PDF format to sign up for electronic statement/E-notice delivery. You may request paper E-statements or E-notices at any time, a fee may apply. You may withdraw your consent to receive E-statements/E-notices electronically by logging on to online banking and deselecting any accounts for which you no longer wish to receive electronic statements/E-notices.
E-statements/E-notices can be printed or saved to a file on your computer for easy storage. You must have the ability to view, print, and retain documents in PDF format to sign up for electronic statement/E-notice delivery. You may request paper E-statements or E-notices at any time, a fee may apply. You may withdraw your consent to receive E-statements/E-notices electronically by logging on to online banking and deselecting any accounts for which you no longer wish to receive electronic statements/E-notices.
Remote Deposite Capture
Your use of this service constitutes your acceptance of this agreement. This agreement is subject to change at any time. The remote deposit capture service allows you to make deposits to your accounts from your camera-enabled mobile device capable of capturing check images and information and electronically delivering the items and associated deposit information to KUMC Credit Union or our designated processor. The device must capture an image of the front and back of each check to be deposited in accordance with the procedures; must read and capture the magnetic ink character recognition ("MICR") line on each check; and must read and capture all such other data and information as is required by this Agreement or Federal Reserve regulations for the processing of these checks for payment.
KUMC Credit Union offers the benefits and convenience of this services to you free and reserves the right to charge fees for the services in the future. KUMC Credit Union reserves the right to establish and assign deposit limits for the service (including limits on the dollar amount and/or number of checks that you may transmit through the service each day) and to modify such limits from time to time at KUMC Credit Union’s sole discretion, and you agree to comply with all such limits. Checks uploaded through the service must contain a restrictive endorsement “For RDC only with KUMC CU”. Items must be submitted by 3:30pm on a regular business banking day for the deposit to be credited to your account (if approved) on the following business day. Please refer to our Funds Availability Form for additional information.
KUMC Credit Union offers the benefits and convenience of this services to you free and reserves the right to charge fees for the services in the future. KUMC Credit Union reserves the right to establish and assign deposit limits for the service (including limits on the dollar amount and/or number of checks that you may transmit through the service each day) and to modify such limits from time to time at KUMC Credit Union’s sole discretion, and you agree to comply with all such limits. Checks uploaded through the service must contain a restrictive endorsement “For RDC only with KUMC CU”. Items must be submitted by 3:30pm on a regular business banking day for the deposit to be credited to your account (if approved) on the following business day. Please refer to our Funds Availability Form for additional information.
Privacy
Our Member.Net home banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to ensure the privacy of your information when sending data between our home banking server and your PC.
The server logs all home banking logins. For authorized members who use home banking, we collect and store certain information such as how often you visit the home banking homepage, dates and times of visits and which pages are being used. We use this information for internal analysis 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 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.
The server logs all home banking logins. For authorized members who use home banking, we collect and store certain information such as how often you visit the home banking homepage, dates and times of visits and which pages are being used. We use this information for internal analysis 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 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.
Operating Systems and Security
Our Member.Net home banking site is designed to operate using World Wide Web technologies and protocols, which are adaptable to a wide range of systems. Our home banking uses SSL encryption and requires a browser with a current (unexpired) COMODO ECC Domain Validation Certificate. Some older browsers may not be able to use the site without first updating the browser. Our server uses 256-bit encryption.
We use cookies to help us administer the home banking homepage. 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. 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 homepage: 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 that 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 of the browser when you are finished with your session. This is especially important if you are using a public or shared computer.
We use cookies to help us administer the home banking homepage. 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. 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 homepage: 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 that 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 of the browser when you are finished with your session. This is especially important if you are using a public or shared computer.
Available Services and Limitations
Transfers: You may transfer funds between your share, share draft, or loan accounts as the account agreements may allow. Transfers will be effective immediately after the transaction has taken place. You can transfer from one account number to a different account number, only if you have completed the required forms and all account owners for both accounts have signed it.
Account Balances: You may view balances of your share, draft, and loan accounts. 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 share, share draft, or loan account. You will be able to view up to the last 90 days of transaction history on any of our share, share draft, or loan accounts. All the transactions in your history are always up to date with the history on KUMC Credit Union's server.
Password Changes: If you are a Member.Net Home Banking user, you may change your password at any time from within your home banking homepage. 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 Member.net 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.
Account Balances: You may view balances of your share, draft, and loan accounts. 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 share, share draft, or loan account. You will be able to view up to the last 90 days of transaction history on any of our share, share draft, or loan accounts. All the transactions in your history are always up to date with the history on KUMC Credit Union's server.
Password Changes: If you are a Member.Net Home Banking user, you may change your password at any time from within your home banking homepage. 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 Member.net 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 Days
Our business days are Monday through Friday. Holidays are not included.
Errors and Questions
In case of error or questions about your electronic transfers, call us at 913-588-5375 or write us at 12510 W 62nd Terr., Suite 104, Shawnee KS 66216 as soon as you can. You may also email us at [email protected] (strictly for errors or questions). You will have sixty (60) days to notify us 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 verbally, we may require 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 then (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. All transactions are legally binding, and any disagreements will be handled according to the laws of the state of KS.
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 verbally, we may require 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 then (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. All transactions are legally binding, and any disagreements will be handled according to the laws of the state of KS.
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; or, if the home banking equipment or software was not working properly and you knew about the maintenance period 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 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 of fitness for a particular purpose or warranties of merchantability.
We shall not be responsible for any other loss, damage, or injury whether caused by the equipment, software, and/or 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 of fitness for a particular purpose or warranties of merchantability.
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 your Member.Net home banking homepage. Calling is the best way to notify us immediately 913-588-5375. You risk losing all the money in your account. If you tell us within two (2) business days, you can lose no more than $50.00 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, you could lose additional funds. If we were told and we can prove we could've stopped the theft, you could lose as much as $500.00 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 were told in time and we can prove that we could have stopped the theft from taking place. Possible exceptions may be granted, to 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 913-588-5375 or write to: KUMC Credit Union, 12510 W 62nd Terr., Suite 104, Shawnee KS 66216.