INTRODUCTION

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.
If you are calling from the Tampa area the number is 813-643-5572 Ext 100 or if calling outside the Tampa area the number is 1-888-621-6957 ext 100.

Electronic mail can be sent at any time to nblattner@fwccu.com

You can also contact us in writing at: Florida West Coast Credit Union
1225 Millennium Parkway
Brandon, Fl 33511

DEFINITIONS

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.
“You”, “your” and “yours” mean the person or persons using the service hereafter called the member. “We”, “us,” “FWCCU,” or “Credit Union” refers to Florida West Coast Credit Union, the holder of your accounts.

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.


REQUIRED EQUIPMENT

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

  • Click on the log in to home banking ONLINE 24 logo and enter your account number and your PIN number.
  • Your member password is not case sensitive. You can log in using upper or lower case letters.
  • Your internet banking session is set to a ten minute default. If you have not interacted for a period of 10 minutes your session will close automatically.

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:

    • Transfer funds between account suffixes to include making loan payments.
    • Obtain account balances.
    • Review your account history.
    • View interest and dividend information on your accounts.
    • Reorder checks online.
    • Request check withdrawals.
    • Transfer funds between different account numbers***

***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:

    1. Your ability to transfer funds between certain accounts is limited by federal law and governed by the “Important Account Information for our Members” agreement. You should refer to this agreement for all legal restrictions and charges applicable. Transfers made using Online 24 count against the permissible numbers of transfers described in the “Important Account Information for Members” agreement.
    2. Transactional history on your account will be available for approximately 3 months from the date of inquiry.
    3. When you perform a transaction, it will happen in real time. Your balance will change immediately however your transaction history will not update until the following business day if the transaction is done after 5:00 P.M. eastern standard time on a business day. Your transaction history will also not update on a weekend, holiday or a day that the Credit Union is not open for business.


ONLINE 24 INTERNET BANKING TRANSFERS

You may access ONLINE 24 to make transfers from:

Share draft/checking to share/savings
        You may make no more that six (6) transfers per month.
Share/savings to share draft/checking
        You may make no more than six (6) transfers per month.
Share draft/checking to share draft/checking
        You may make no more than six (6) transfers per month.
Share/savings to share/savings
        You may make no more than six (6) transfers per month.
Line of credit to share draft/checking
        You may make no more than six (6) transfers per month.
Line of credit to share/savings
        You may make no more than six (6) transfers per month.

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:

    • If your PIN number is lost or stolen.
    • If someone has attempted to use ONLINE 24 without your permission.
    • If your share accounts or your loan accounts have been accessed without your permission.
    • If someone has transferred money without your permission.

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:

    1. If, through, no fault of ours, you do not have enough money in your account to make the transaction.
    2. If you have an overdraft line and the transfer would go over your credit limit.
    3. If the computer terminal was not working properly or the Credit Union’s Online 24 system was not working and you knew this when you started the transaction.
    4. If circumstances beyond our control prevent the transfer despite reasonable precautions that we have taken.
    5. If your loan is past due at the time that an advance is requested.
    6. There may be other exceptions stated in our agreement with you.

CONFIDENTIALITY (DISCLOSURE OF INFORMATION TO THIRD PARTIES)

We will disclose information to third parties about your account or the transfers you make:

    1. When it is necessary to complete the transfers.
    2. In order to verify the existence and conditions of your account for a third party, such as a Credit Bureau or merchant.
    3. In order to comply with a government agency or court order.
    4. If you give us written permission.

CHARGES

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.
If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

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:

    1. Your name and account number,
    2. A description of the error or the transfer that you are unsure about, and explain as clearly as you can, why you think an error has occurred or why you need additional information.
    3. Tell us the dollar amount of the suspected error.

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.

DISPUTES

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.

ASSIGNMENT

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.


NO SIGNATURE REQUIRED

When using ONLINE 24 to conduct transactions, you agree that the Credit Union may debit your account to complete the transactions.


ALTERATIONS AND AMENDMENTS TO ONLINE 24 INTERNET BANKING

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.

ADDRESS CHANGES

You agree to notify Florida West Coast Credit Union, in writing of any address changes on your account.

GOVERNING LAW

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.

FEDERAL DISCLOSURE

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.

SECURITY

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.
Because keeping your account safe is of paramont importance to us, we have built safety measures into our internet banking service which reflect how important security is to us.

Enter your Member Number and PIN, then click on the Submit button.

Member Number:
PIN:
I agree to electronic delivery of disclosures. I have read and agree to the terms and conditions of the Internet Disclosure and Agreement.