Member.Net Home Banking Terms-of-Use Agreement

Midwest Family FCU
2832 Willowcreek Rd, Portage IN 46368
Phone: (219) 763-5640
Midwest Family FCU



The following information defines and describes the types of Electronic Funds Transfers which are available to members with the service. It also contains your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfers Act. Please read this document carefully. You may want to print it or save it for future reference.

1. Internet Account Access

Our Internet email address is [email protected]
You can use the account access to:
Obtain balances and other account details on your share and loan accounts.
Make transfers between your share accounts or another member's (regular share, share checking and Money Management accounts) and personal line-of-credit (open-end loan).
Obtain loan advances from your line-of-credit to your Checking Account or any Savings Account.
Review transaction activity on your accounts, excluding Visa.
Print transaction history.
Access your monthly and quarterly account statement online

2. Limitations on Transfers.

Federal regulations limit pre-authorized transfers from your regular savings account to no more than six per account per month. This includes transfers by phone, fax, wire and cable, overdraft transfers to checking, and Internet instruction.
The functions and limitations of the account access service may be updated, without notice, at the option of Midwest Family FCU (hereafter represented as MWFFCU), in order to provide improved service to the membership.

3. Liability.

By applying for Internet account access, you agree to accept the responsibility for protecting the integrity of your MIN and Password, in order to prevent unauthorized transactions and/or account access. You also agree that MWFFCU may revoke your Internet account access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the MIN and Password. Granting access to your account via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to MWFFCU.
Tell MWFFCU at once, if you believe your account number, MIN, password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning is the best way of keeping your possible losses down, but you may also notify us via the Internet or by writing to the address below. You could lose all the money in your accounts, but if you tell us within two (2) business days of the loss, theft or unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.
If your statement shows any electronic fund transfer you did not make or authorize to be made, 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 a hospital stay) kept you from telling us, we may extend the time periods.

4. Address and Telephone Numbers.

If you believe unauthorized access occurred on your account or your MIN or Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call MWFFCU between the hours of:

Monday - Thursday

8:00 AM and 5:00 PM CST


8:00 AM and 6:00 PM CST


9:00 AM and 1:00 PM CST

The Credit Union's telephone number(s): 219-763-5640

OR: Send email to [email protected] or write to us at:

Midwest Family FCU

Member Service

P.O. Box 48

Portage, IN 46368

5. Business Days.

For purposes of this disclosure, MWFFCU's business days are Monday Thru Saturday, excluding holidays.

6. Documentation of Transfers.

Your periodic statement will specifically identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly. This statement can optionally be access electronically online.

Additionally, through the Internet access service, you can view all of your transaction activity at any time.

7. Charges.

There may be a small monthly fee for Perfect-Teller access if you opt to continue to receive a paper copy of your statement mailed to your address. Electronic statements can be accessed online.

8. Stop Payments. transactions are "real time" and cannot be canceled except by performing corresponding reverse transactions.

9. Information to Third Parties.

We will disclose information to third parties about your account or the transactions you make in the following circumstances:

If we return checks drawn on your account for insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds.

Where it is necessary for completing transactions.

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

In order to comply with government agency or court order.

If you give us your written permission.

10. In Case of Errors or Questions about your Electronic Transfers.

If you think your statement is wrong or if you need more information about a transaction listed on the statement, contact MWFFCU immediately. We must hear from you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared.

Tell us your name and account number.

Describe the error or the transaction you are unsure about, including the transaction confirmation number if possible, and explain as clearly as you can why you believe it is an error or why you need more information.

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

If you tell us verbally, we may require that you send us your complaint or question in writing within 10 business days. 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 calendar days to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. 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 re-credit your account.

If we decide 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 we used in our investigation.

11. Scheduled Availability. will normally be available 24-hours a day, seven days a week, with the exception of a small window of daily back up time.

12. Password Confidentiality.

You are the key to safeguarding the confidentiality of your accounts. You are issued a Password, which you may change anytime you log on to You should select a Password that you can easily remember, but that no one else would likely guess; for example, do not select your address, telephone number or date of birth for your Password. You can change your Password as often as you desire, by selecting the change Password option on the menu. Your Password can be up to 8 characters in length and must contain at least 1 capital letters, 1 lower case letter and 1 number. If you forget your Password, you must contact MWFFCU right away.

Never share your Password with anyone, even family members. If you are the only one who knows your Password, you have protected your accounts against unauthorized access.

Remember, no representative of MWFFCU will ever ask you for your password.

13. Security of

When you log on to, you are accessing a secure site. MWFFCU is committed to online technology and has taken steps to ensure that accessing your account via the Internet is safe and secure.

Additionally, we allow you to select a Password of your choosing that will be easy for you to remember and keep "secret". This Password is used to authenticate you each time you log on to, prior to allowing you to begin viewing your information. The confidentiality of your accounts are maintained as the data is passed from our host computer to your personal computer in an encrypted format, where the program then decodes the information for you to view. This prevents the data from being intercepted and/or viewed by an unauthorized third party.

Each user session is set up for a specific period of time. If this amount of time passes with no activity from you, your session times out. If your session times out and you are not finished using, you will need to log in again. This reduces the "window of opportunity" for an unauthorized user to access your account information if you walk away from your computer without logging off. Every effort was made to ensure that this system is as secure as possible.

14. Your Responsibility to Prevent Unauthorized Access to Your Accounts.

MWFFCU is confident that we have taken the necessary security precautions to ensure that our Internet account access service is secure and that your account information remains confidential. However, it is also your responsibility to play an active role in protecting the security of your accounts by doing the following:

Never share your Password with anyone, even family one, even family members. If you are the only one who knows your Password, you have protected your accounts against unauthorized access.

We recommend that you change your Password on a regular basis; but you should always change your Password and contact the credit union immediately if you think that your Password may have been compromised.

Do not walk away from your computer in the middle of an active session. If you are logged on, and walk away, anyone can have immediate access to your account(s). Always remember to log off when you are finished with your session.

By using the software, you agree to be bound by this agreement.
I have read the above disclosure and agree to follow the recommended policies and procedures.