Welcome to Florida West Coast Credit Union’s new internet banking service named ONLINE 24. You now have the power to manage your account from work, home, or anywhere that you can log on to the internet. It is available to you 24 hours a day free of charge. You can access all of your financial information and correspond with your Credit Union by email through Online 24.
FLORIDA WEST COAST CREDIT UNION INTERNET DISCLOSURE AND AGREEMENT FOR ONLINE 24
This Agreement governs the use of Florida West Coast Credit Union’s internet banking service, hereafter referred to as ONLINE 24. By using Online 24 to conduct transactions, you agree to the terms of this Agreement.
INTERNET BANKING (ONLINE 24) MEMBER SERVICE INFORMATION
Florida West Coast Credit
Union Member Service is available from 9:00 AM to 5:00 PM Monday through Friday
and Saturday from 9:00 AM through 12:00 PM.
Electronic mail can be sent at any time to email@example.com
As used in this Agreement,
“account” and “accounts” mean the Florida West Coast Credit
Union account in which you are either the owner or joint owner. “Loan account”
and “loan accounts” mean any loan that you have with Florida West
Coast Credit Union.
DEPOSIT AND CREDIT AGREEMENTS
The terms and conditions stated in your existing account and loan agreement shall have precedence over any conflict that you may have in using ONLINE 24.
In order to use ONLINE 24, you will need a computer with a web browser (either Netscape Navigator 4.04 or higher or Microsoft Internet Explorer 3.02 or higher,) a member account number and a Call 24 PIN number. The first time that you access ONLINE 24 you will use the confidential PIN number which you use when you access Florida West Coast Credit Union’s Telephone Response system. You will then be required to choose a new PIN number. The new PIN number that you choose will become your PIN number for home banking (ONLINE 24) and for telephone banking (CALL 24). You should choose a unique PIN number and be very careful to keep this number confidential.
You are responsible for the installation, maintenance and operation of your computer, browser and any software associated with the use of your computer. Florida West Coast Credit Union is not responsible for any failures from any malfunction of your computer, the browser, or the software. FWCCU is also not responsible for any computer virus or related problems that may be associated with the use of an online system.
HOW TO LOG IN
HOW TO USE ONLINE 24
To use ONLINE 24, you must have at least one Florida West Coast Credit Union share (savings) account and a CALL 24 PIN number. Through ONLINE 24 you can access any of your FWCCU share or loan accounts. FWCCU reserves the right to deny access to a deposit account or loan account or to deny transactions under certain circumstances. If you are unable to log into ONLINE 24, please contact the Credit Union.
You may use ONLINE 24 to perform the following transactions:
***In order to transfer funds between two different account numbers, you must contact the Credit Union to set this up. You must be an owner on all the accounts that you want to set up for transfer.
The features mentioned above are subject to the terms noted below:
You may access ONLINE 24 to make transfers from:
PERSONAL IDENTIFICATION NUMBER AND SECURITY
Your Call 24 personal identification number (PIN) is required to access your Florida West Coast Credit Union’s ONLINE 24 internet banking service. You will access ONLINE 24 with the same PIN number that you use to access Florida West Coast Credit Union’s telephone banking system. You agree not to give this number to any unauthorized individual. Florida West Coast Credit Union does not maintain a record of your PIN. If you lose or forget your PIN, contact the Credit Union immediately so that you may select a new confidential PIN. Also, contact the Credit Union immediately if the following conditions occur:
FINANCIAL INSTITUTIONS LIABLITY
LIABILITY FOR FAILURE TO MAKE TRANSFERS
If we fail to make a transfer to or from one of your accounts in 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:
CONFIDENTIALITY (DISCLOSURE OF INFORMATION TO THIRD PARTIES)
We will disclose information to third parties about your account or the transfers you make:
You will be charged fees in accordance to those disclosed on our Fee schedule available in paper at your local branch.
LIABILITY FOR UNAUTHORIZED TRANSFERS
Tell us at once if you believe that your account information and/or PIN have been lost or stolen. Contacting the Credit Union immediately by telephone is the best way of keeping possible losses down. You could lose all the funds on deposit in your account plus your maximum overdraft line of credit. If you tell us within two (2) business days, you are liable for no more than $50.00 if someone used your account information and/or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your account information and/or PIN, and we can prove that we could have stopped someone from using your account and/or PIN without your permission, if you had told us, you could lose as much as $500.00.
Also, if your statement
shows transfers that you did not make on ONLINE 24, tell us at once. If you do
not tell us within sixty (60) days after your statement was mailed to you, you
may not get back any of the money that you lost after the 60 days if we can prove
that we could have stopped someone from taking the money if we had been advised
in a timely manner.
ERRORS AND QUESTIONS
Telephone the Credit Union at (813) 643-5572 or 1-888-621-6957 or write us at Florida West Coast Credit Union, 1225 Millennium Parkway, Brandon, Fl 33511 as soon as you think your statement or receipt is wrong or if you need more information about a transaction appearing on your statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry needs to include the following:
If you tell us verbally, 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 or twenty (20) business days if the transaction involved a new account opened within the last thirty (30) days. If we determine that we need additional time we may take up to forty-five (45) days. 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.
In the event of a dispute regarding ONLINE 24, you and Florida West Coast Credit Union agree to resolve the dispute by looking at the Agreement. You agree that this Agreement is the complete and exclusive statement of the Agreement between you and Florida West Coast Credit Union.
You may not assign this Agreement to any other party. Florida West Coast Credit Union may assign this Agreement to any present or future, directly or indirectly, affiliated company.
When using ONLINE 24 to conduct transactions, you agree that the Credit Union may debit your account to complete the transactions.
The terms of this Agreement, applicable fees, and service charges may be altered or amended by Florida West Coast Credit Union from time to time. If this would happen, FWCCU would send a notice to you at your address of record or an online notice through ONLINE 24. Any continuation of usage of ONLINE 24 after Florida West Coast Credit Union sends you a notice of change will constitute your agreement to such change or changes. Further, FWCCU may revise or update the ONLINE 24 program, services rendering prior versions obsolete.
You agree to notify Florida West Coast Credit Union, in writing of any address changes on your account.
This agreement shall be governed by the laws of the jurisdiction in which the Credit Union is located and the applicable Federal and State laws and regulations.
You agree to accept this disclosure online rather than a paper disclosure. We recommend you print the entire agreement and disclosure for your records. If you are unable to print this, please call FWCCU and request that a paper disclosure be mailed to you.
When you perform a transaction
through ONLINE 24, you will be utilizing the safest and most secure devices available
in the marketplace. All your internet transactions are encrypted with Secure Sockets
Layer (SSL) ensuring that transmissions between your computer and the Credit Unions
server are complete, unaltered, and safe from intrusion.