Our Electronic Funds Transfer Terms

“Our Electronic Funds Transfer Terms” explains your and our rights and responsibilities concerning electronic fund transfer (EFT) deb-its from and credits to the accounts you have with us. EFTs are electronically initiated transfers of money involving an account with us and multiple access options, including Digital Banking, direct deposits, automated teller machines (ATMs), Interactive Teller Ma-chines (ITMs) and Visa Debit Card (Card). 

 

1.  EFT Services

a. Automated Teller Machines
You may use your Card and personal identification number (PIN) at Automated Teller Machines (ATMs) of our Credit Union, Plus, Accel, Cirrus, CO-OP and Visa Networks, and such other machines or facilities as we may designate. At the present time, you may use your Card to:

Withdraw cash from the checking or savings account with us.
- Make deposits to the checking or savings account with us.
- Transfer funds between the checking and savings accounts with us.
- Make payments on your loan accounts with us from the checking or savings accounts with us.
- Obtain balance information on the checking and savings accounts with us.

b. Direct Deposit
On the instruction of (i) your employer, (ii) the Treasury Department, or (iii) other financial institutions, we will accept direct deposits by EFT of your paycheck or of federal recurring payments, such as Social Security.

c. Preauthorized Debits
You may make direct withdrawals by EFT from the checking or regular savings account you have with us to a particular person or company, at least periodically, which you have arranged with that person or company, provided you have enough funds in the account with us to cover the payment.

d. Digital Banking
If we approve your application for Digital Banking, you may use a personal computer to access the accounts. For this service, you will need a personal computer with internet access. The address for Digital Banking is inroadscu.org. You must select a login ID and security code. You must use your login ID and security code with us to access the accounts. You are responsible for the installation, maintenance, and operation of your computer and software. We will not be responsible for any errors or failures involving any telephone service, internet service provider, your software installation or your computer. At the present time, you may use Digital Banking to:

- Transfer funds between the checking, savings, and loan accounts with us.
- Obtain account information regarding your checking, savings, or loan account including current balance, transaction history, dividends, loan due dates and payoff amounts.
- Make loan payments from any checking or savings account to a loan account with us.
- Transfer funds to other members you have authorized.
- Make payments to merchants (payees) using bill payment.
- Download account information for use with financial management software.
- Communicate with us using the secure email feature.

Transactions involving the accounts you have with us are addressed by the MSA, whereas transactions involving a loan are addressed by the applicable loan agreement(s).

e. Bill Pay
You may use the Bill Pay service to initiate two (2) different types of payment transactions:

- “Future” transactions are payments you designate to be paid at a future date up to three hundred sixty-four (364) days in advance of the Scheduled Initiation Date. “Future” transactions may be canceled or changed through the Bill Pay service up until 12:00 midnight before your Scheduled Initiation Date.
- “Recurring” transactions are payments you designate to reoccur on a specified regular basis (i.e. monthly). You may designate the start and end dates for payments. “Recurring” transactions will be deducted from your account on the Scheduled Initiation Date and will be paid by us on the next business day. Therefore, you must have sufficient funds available on the Scheduled Initiation Date. “Recurring” transactions may be canceled or changed through the Bill Pay service up until 12:00 midnight before your Scheduled Initiation Date.

1) Fees. The Online Bill Payment Service is subject to certain fees and charges as set forth in the Credit Union’s Rate and Fee Schedule, which is incorporated into this Agreement. All fees and charges will be deducted from the member’s checking account.

2) Authorized Payees. You may not make payments to federal, state or local governments or other categories of payees we designate from time to time. We will process bill payment requests only to those payees the Credit Union has designated in its User Instructions and such payees as you authorize and for whom the Credit Union has the proper payee code number.

3) Processing Payments. When you transmit a Bill Pay instruction to us, you authorize us to transfer funds to make the Bill Pay transaction from your checking account. The Credit Union will not process any Bill Pay transfer if we know the required transaction information is incomplete. In any event, the Credit Union will not be liable for any transaction that contains incorrect information that the Credit Union was not responsible for entering or knowing. If there are insufficient funds in your account to make the Bill Pay request, we may either refuse to make the payment or make the payment and transfer funds from any overdraft protection account you have established. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous.

The amount of your requested bill payment will be deducted from your account on the Scheduled Initiation Date and will be processed by us on that date or the next business day should the processing date fall on a weekend or holiday. Therefore, you must have sufficient funds available to cover your payment on the Scheduled Initiation Date.

Bill Payments are delivered to the payee either electronically, which may take up to two (2) business days from the Scheduled Initiation Date, or by check to those payees not set up to accept electronic payments, which may take up to ten (10) business days from the Scheduled Initiation Date. It is your responsibility to schedule your bill payments in such a manner that your obligations will be paid on time. You should enter and transmit your bill payment instructions at least six (6) business days before a bill is due. If you do not allow sufficient time, you assume full responsibility for any late payments or finance charges that may be imposed as a result of your failure to transmit a timely bill payment authorization. In no event will we automatically resubmit a payment for you after funds become available.

4) Canceling or Changing Bill Payments. Payments designated as “Today” transactions cannot be stopped, canceled or changed once your Bill Pay session has ended. You may cancel or stop payment on Future and Recurring bill payment instructions under certain circumstances by following the instructions provided.

If you discover an error in or want to change a payment instruction (i.e. payment date or payment amount) for a bill payment that you have already scheduled for transmission through the Bill Pay service.

Your cancellation request must be entered and transmitted through the Bill Pay service before the date you have scheduled for payment. If your request is not timely entered, you will be responsible for the payment. If you wish to place an oral stop payment on a recurring bill payment transaction, not using the Bill Pay service, the Credit Union must receive your oral stop payment request at least three (3) business days before the payment is scheduled to be made. You may call the Credit Union at the telephone number set forth in Section 4 to request a stop payment. If you call, the Credit Union may require you to confirm your stop payment request in writing within fourteen (14) days after the call.

f. Digital Banking App
Digital Banking App is a personal financial information management service that allows you to access account information, make payments to merchants who have previously consented to accept payments through Digital Banking and make such other transactions as described in the Digital Banking Agreement using compatible and supported mobile phones and wireless devices (“Wireless Device”). You agree and understand that the Digital Banking App service may not be accessible or may have limited utility over some mobile telephone networks, such as while roaming. The services that you may access through Digital Banking App are the same account and service transactions available through Digital Banking. When you register for Digital Banking App, the designated accounts and bill payment payees linked to the account through Digital Banking will be accessible through Digital Banking App.

For all mobile check deposits, you must endorse the original paper check with your signature and write: “FOR MOBILE DEPOSIT ONLY AT INROADS CREDIT UNION” in the endorsement area. If you fail to provide this endorsement, we may refuse the deposit and return it to you. You agree to indemnify our Credit Union from any liability or loss to our Credit Union arising from the payment of the original paper check without such required endorsement.

g. Visa Debit Card Purchases
You may use your Visa Debit Card to purchase goods and services any place Visa is honored by participating merchants and merchants accepting the Card and PIN at point of sale (POS) terminals. Funds to cover your Card purchases will be deducted from the checking account. If the balance in the account is not sufficient to pay the transaction amount, we may treat the transaction as an overdraft request pursuant to any overdraft protection plan, or we may terminate all services under the MSA.

Some merchants may permit you to initiate debit and bill payment transactions with your card using either the Visa network or another network shown on your card. We will honor your debit transactions processed by any of these networks.

Depending on our authorization protocols and network availability, transactions processed over other networks may or may not require you to use your PIN to validate a transaction. Generally, you enter your card number or swipe your card and provide or enter a PIN. You may instead be asked to sign a receipt or payment authorization. Provisions applicable only to Visa transactions (such as Visa’s zero liability protections) will not apply to non-Visa debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will apply.

h. A2A Service
The A2A service enables you to request a transfer of funds: (1) from your Credit Union account that is eligible to be used with and is enrolled in the service (“Eligible Credit Union Account”) to your account at another financial institution enrolled in the service (“Verified Account”) or (2) from a Verified Account to your Eligible Credit Union Account. The Credit Union generally uses the ACH Network to execute A2A transfer requests, but other methods of transfer may also be used. A2A transactions are subject to the special A2A terms and conditions set forth elsewhere in this Agreement.

i. Electronic Check Transaction
You may authorize a merchant or other payee to make a one-time electronic payment from the checking account using information from your check to pay for purchases, pay bills or pay other obligations (“Electronic Check Transactions”). You agree that your authorization for an electronic check transaction occurs when you initiate such a transaction after receiving any required notice regarding the merchant’s right to process the transaction or payment, including any written sign provided by the merchant at the time of your transaction. All terms governing electronic funds transfer services will apply to Electronic Check Transactions, except the $50 and $500 limits of liability for unauthorized transactions in Section 4 (Member Liability) of this disclosure. You remain responsible for notifying us of any unauthorized electronic check transaction shown on your statement.

 

2. Service Limitations

a. Automated Teller Machines
1) Withdrawals. You may make up to five (5) cash withdrawals from ATMs each day. You may withdraw up to $500 per transaction and up to $2500 per day (if there are sufficient funds in the account). For purposes of determining whether you have reached the daily limit, a day ends at 11:59 pm.

b. Digital Banking
1) Transfers. You may make funds transfers to the accounts with us, or other accounts you authorize, as often as you like. You may transfer or withdraw up to the available balance in the account or available credit line at the time of the transfer, except as limited under other agreements. We reserve the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance or otherwise require us to increase our required reserve on the account.

2) Account Information. Account balance and transaction history information may be limited to recent account information. The availability of funds for transfer or withdrawal may be limited, due to the processing time for ATM transactions. See “Funds Availability of Deposits.”

3) Email and Stop Payment Requests. We may not immediately receive email communications that you send and we will not act based on email requests until we actually receive your message and have a reasonable opportunity to act. Any stop payment request you transmit electronically is deemed to be a verbal request and will expire in fourteen (14) days unless confirmed in writing as addressed in the MSA. Contact us immediately regarding an unauthorized transaction or stop payment request.

c. A2A and P2P Transactions
For A2A and P2P transfers, limits will be set at the time you use the service and will be disclosed to you prior to your use of the service.

d. Digital Banking App
You are fully responsible for understanding how to use Digital Banking App before you actually do so, and you must use Digital Banking App in accordance with any use or operational instructions posted on our web site. You are also responsible for your use of your Wireless Device and the Digital Banking App software provided to you. If you authorize the use of biometric login (for example, fingerprint or retinal scan) for Digital Banking App, the service may be accessed using any biometric login recognized by your wireless device, even if it is not your own. If you have permitted another person to use their own biometrics to authorize activity on your wireless device, their biometrics will also gain access to Digital Banking App if you have authorized biometric login. We will not be liable to you for any losses caused by your failure to properly use Digital Banking App, the Software or your Wireless Device. You may experience technical or other difficulties related to Digital Banking App that may result in loss of data, personalization settings or other Digital Banking App interruptions. We assume no responsibility for the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Digital Banking App. We assume no responsibility for the operation, security, or functionality of any Wireless Device or mobile network that you utilize to access Digital Banking App. Financial information shown on Digital Banking App reflects the most recent account information available through Digital Banking App, and may not be current. You agree that we are not liable for delays in updating account information accessed through Digital Banking App. We are not responsible for any actions you take based on information accessed through the Digital Banking App that is not current. If you need the most current account information, you agree to contact us directly.

e. Visa Debit Card
There is no limit on the number of Visa Debit Card purchase transactions you may make during a statement period. Visa purchases are limited to the balance available in an account. We reserve the right to refuse any transaction that would draw upon insufficient funds or require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. You are solely responsible for any disputes you may have with merchandise or services received using the Visa Debit Card. We are not responsible for any damages, liability or settlement resolution as a result of the misrepresentation of quality, price, or warranty of goods or services by a merchant. The use of a Card and Account with us are subject to the following conditions:

1) Ownership of Cards. Any Card or other device that we supply to you is our property and must be immediately returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the Card, according to instructions. The Card may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer the Card or Account to another person.

2) Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to the account with us in lieu of a cash refund. You may not use the Card for any illegal or unlawful transaction. We may refuse to authorize any transaction that we believe may be illegal or unlawful.

3) Visa Account Updater Service. The account you have with us is automatically enrolled in the Visa Account Updater Service (VAU). The service is provided as a benefit in order to facilitate uninterrupted processing of recurring charges you have authorized. Under the VAU service, if you have authorized a participating merchant to bill your Card for recurring payments, your new Card number and expiration date will automatically be sent to that merchant if we change your Card number (i.e. when replacing a lost or stolen Card). Card numbers are only supplied to merchants who participate in the VAU service. Because not all merchants participate in the VAU service, you should still notify each merchant when your Card number changes in order to permit recurring payments to continue to be charged to the account.

4) Currency Conversion; International Transaction Fee. Purchases and withdrawals made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions, as established by Visa International, Inc., is a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged an International Transaction Fee as set forth in “Our Rates & Service Charges” for any card transaction at a location in a foreign country or with a merchant located in a foreign country even if you initiate the transaction from within the United States.

f. Illegal Use - Internet Gambling
You agree that all transactions that you initiate by use of an electronic funds transfer including a Visa® Check Card must be legal in the jurisdiction where you live and/or where the transaction occurred. Internet gambling may be illegal in the jurisdiction in which you are located, including the United States. Your electronic funds transfers may only be conducted for legal transactions. Display of a payment card logo by an online merchant does not mean that internet gambling transactions are lawful in all jurisdictions in which you may be located. We may restrict online gambling transactions by use of an electronic funds transfer or Cash/Debit Card.

 

3. Security of Personal Identification Number

The Personal Identification Number (PIN) is established for your security purposes. The PIN is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make your PIN available to anyone not authorized to sign on the accounts with us. If you authorize anyone to have or use your PIN, that authority will continue until you specifically revoke such authority by notifying us. You understand that person may use online banking, online services or debit card to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your PIN and you agree that the use of your PIN will have the same effect as your signature in authorizing transactions.

If you authorize anyone to use your PIN in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying us and changing your PIN immediately. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your PIN is changed. If you fail to maintain or change the security of these PINs and we suffer a loss, we may terminate your electronic fund transfer and account services immediately.

 

4. Member Liability

You are responsible for all transfers you authorize using your EFT services as explained in this disclosure, which is part of the MSA. If you permit other persons to use an EFT service, Card or PIN, you are responsible for any transactions they authorize or conduct on any of the accounts you have with us. However, tell us at once if you believe anyone has used the account, Card or PIN and accessed the accounts with us without your authority, or if you believe an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For Visa Debit Card purchase transactions, if you notify us of your lost or stolen card, you will not be liable for any losses, provided you were not negligent or fraudulent in handling the Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will apply. For all other EFT transactions except Electronic Check Transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone accessed the account with us without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of the account or EFT service, and we can prove that we could have stopped someone from accessing the account without your permission if you had told us, you could lose as much as $500. In no event will you be liable for more than $50 for unauthorized withdrawals from a line of credit account.

Also, if your statement shows EFTs that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or accessible to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe that someone has used the Card or PIN without your permission or you have lost your Card, call: 503-397-2376 or toll-free at 800-275-6434, or write to us at: P.O. Box 537, St. Helens, OR 97051.

 

5. Business Days

Our business days are Monday through Friday. Holidays are not included.

 

6. Charges for EFT Services

There are certain charges for EFT services, as described in “Our Rates & Service Charges.” We reserve the right to impose service charges at a future date after we give you notice of such changes as required by law. If you request a transfer or check withdrawal from your personal line of credit account, such transactions may be subject to charges under the terms and conditions of your loan agreement. If you use an ATM that is not operated by us, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge will be debited from the account with us if you elect to complete the transaction.

 

7. Right to Receive Documentation

a. Periodic Statements
All EFT transactions will be recorded on your periodic statement. You will receive a statement at least once every quarter. If you have an EFT transaction, you will receive a statement monthly.

b. Preauthorized Credits
If you have a direct deposit made to the account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can use Digital Banking or you can call us at 503-397-2376 or toll-free at 800-275-6434 to find out whether or not the deposit has been made.

c. Terminal Receipt
You may get a receipt at the time you make any transaction of more than $15 using an ATM, POS terminal or Visa Debit Card.

 

8. Account Information Disclosure

We will maintain the confidentiality and privacy of your information in accordance with our Privacy Notice. We will disclose information to third parties about the account or the transfers you make in the following circumstances:

- As necessary to complete transfers.
- To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant.
- To comply with government agency or court orders.
- If you give us your written permission.

 

9. Our Liability for Failure to Make Transactions

If we do not complete a transfer to or from an account with us on time or in the correct amount according to the MSA, we will be liable for your actual transaction loss or damage. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers are responsible for any loss, property damage, or bodily injury, whether caused by the equipment, software, Credit Union, internet browsers, internet access providers, online service providers or by an agent or subcontractor for any of the foregoing. Nor will we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the online access service and may have referred to such communication as “secured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. We will not be liable for the following:

- If, through no fault of ours, you do not have adequate funds in an account to complete a transaction, the account is terminated or the transaction amount would exceed your credit limit on your line of credit.
- If you used the wrong identification code or you have not properly followed any applicable computer, Internet or Credit Union instructions for making transfers.
- If your computer fails or malfunctions or if our online access system was not properly working and such a problem should have been apparent when you attempted such a transaction.
- If the ATM where you are making the transfer does not operate properly, does not have enough cash or you use a Card improperly.
- If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent the transaction.
- If the account with us is frozen because of a delinquent loan or is subject to a legal process or other claim.
- If the error was caused by a system beyond our control such as your Internet Service Provider, any computer virus, or problems related to software not provided by us.
- If you have not given us complete, correct, and current instructions so we can make a transfer.
- If the error was caused by any applicable ATM or payment system network. The ATM machine may retain a Card in certain instances, in which event you may contact us about its replacement.

We may establish other exceptions in addition to those listed above.

 

10. Termination of EFT Services

You agree that we may terminate your use of any EFT services if you, or any authorized user of an account or PIN, breach any term of the MSA, or if we have reason to believe that there has been an unauthorized use of a Card, account or identification code.

You or any other party to the account can terminate your use of any EFT services by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. However, termination of EFT services will not affect the rights and responsibilities of the parties under the MSA for transactions initiated before termination.

 

11. Preauthorized Electronic Fund Transfers

a. Stop Payment Rights
If you have arranged in advance to allow a third party to make regular EFTs from the account(s) with us for money you owe them, you may stop payment of these preauthorized transfers from the account. You must notify us verbally or in writing at any time up to three (3) business days before the scheduled date of a preauthorized transfer. A stop payment order on an EFT will continue until the entry is returned or until you cancel the stop payment order.

b. Notice of Varying Amounts
If regular payments may vary in amount, the person you are going to pay is required to tell you ten (10) days before each payment when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the account would fall outside certain limits that you set.

c. Liability for Failures on Preauthorized Transfers
If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. 

 

12. Notices

We reserve the right to change the terms of our EFT services. We will mail or make accessible a notice to you at least twenty-one (21) days before the effective date of any change, as required by law. Use of any EFT service is subject to existing regulations governing the account with us and any future changes to those regulations.

 

13. Special A2A Terms

You agree to use the Service for legal purposes and not in violation of any laws, including but not limited to, laws and regulation designed to prevent money laundering and laws prohibiting internet gambling. If any of the accounts you have with us has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both and use the account with this service. If you do not give such consent, you should not use that account and we will terminate your use of service if we are notified of such situation.

a. Authorization to Transfer Funds
You represent to the Credit Union that you own each Eligible Credit Union Account and Verified Account and have full right and authority to all the funds on deposit therein. In addition, you authorize us to execute and charge your Eligible Credit Union Account(s) for any A2A transfer request to a Verified Account and from a Verified Account to your Eligible Credit Union Account, including any related fee, subject to any applicable limit as to dollar amount, time delays to complete transfers when your A2A transfer requests are made in accordance with the procedures established by us. You agree that we have no obligation to execute any request for a transfer using A2A transfer that is not initiated in accordance with such procedures.

You understand that acceptance and processing of an A2A transfer request is subject to the terms and conditions stated in this Agreement, as amended from time to time. This authorization shall remain in full force and effect until you have informed the Credit Union and we have had a reasonable opportunity to act on it. You agree that the Credit Union is relying upon the information you provide in originating an A2A transfer on your behalf. Any errors in the information, including incorrect or inconsistent account names and numbers or the ABA number or name of the financial institution holding your Verified Account are your responsibility. You agree that if A2A transfer instructions identify a verified Account by name and account number, the relevant financial institution may execute those instructions by reference to the account number only, even if such number does not correspond to the name. You understand that financial institutions holding your Verified Accounts may not investigate discrepancies between names and numbers and the Credit Union has no responsibility to investigate discrepancies between names and account numbers. Not all types of accounts are available for funds transfer service. For example, retirement, business and corporate accounts are not eligible. Also, you must check with your financial institution to verify their ability to participate in external funds transfer service. Also, there may be limitations related to each transaction such as total amount, number of transactions allowed, or total transaction amounts defined by your financial institution. All funds transfers are also subject to the rules and regulations governing the relevant Verified Accounts. You agree not to request any A2A transfers from or to Verified Accounts that are not allowed under the rules or regulations applicable to such accounts.

b. Account Set-up and Verification
The Credit Union will initiate a funds transfer request for you when you access your Eligible Credit Union Account(s) through our Bill Pay service using the established login credentials. The Credit Union’s procedures are designed to authenticate your identity before accepting a request for an A2A transfer but not to detect errors in the content of your instructions. You authorize us to verify your account at another financial institution (“Third Party Account”) through the use of a trial transfer, in which three low value transactions will be made between the accounts. Once the verification process is successful, each Third-Party Account will become a Verified Account.

You agree to verify online the amounts of such deposits and/or withdrawals. Upon your request, we will make electronic transfers from your designated and active Eligible and Verified Accounts via the Automated Clearing House (ACH) system in the amount you specify. You agree that such requests made with this service constitute your written authorization for such transfers. You understand that your financial institution may limit the number of transactions that you authorize using your savings or money market account.

c. Transfer Requirements and Conditions
Your request for a transfer will be executed on the current Business
Day so long as it is initiated by the cutoff time of 1:00 p.m. If your request for a Standard transfer is received by the Credit Union on
a day that is not a business day or on a business day after the established cut-off hour, we will not process your request until the next business day.

We may change your transfer limits at any time. Any decrease will
be subject to notice, as required by law, but you agree that we may
reduce your limits without prior notice upon occurrence of a Disqualifying Event, including: (i) any of the accounts you have with us are not current or are not in good standing, (ii) you have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Credit Union account during the current or three prior calendar months, or (iii) you have had any prior transfer to or from a non-Credit Union account canceled, revoked, or uncompleted due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason.

d. Modifying or Canceling Pending Transfers
Pending transfer instructions can be canceled or modified until the
status changes to “In Process”. Transfer instructions cannot be canceled or modified after the cut-off time on the transfer date. If
you close an Eligible or Verified Account, you are responsible to remove it from the service to avoid any transaction failure and charges related to a failed transaction. There may be additional
fees to you for failed transactions.

e. Rejection of an A2A transfer Request
We reserve the right to reject your funds transfer request. We may
reject a request if the dollar value of one or more of your transfer requests exceed the daily or monthly transfer limit if you have insufficient available funds in your Eligible Credit Union Account for
the amount of the A2A transfer, if your request is incomplete or unclear, if the Credit Union identifies a security risk related to a requested transfer or if the Credit Union is unable to fulfill your request
for any other reason. You understand that if the Credit Union rejects a request for an A2A transfer for one or more of the reasons set forth above, you will be informed of the rejection during your online session or by e-mail as soon thereafter as the Credit Union has determined to reject the request.

f. Cancellations, Amendments or Recalls
You may cancel or amend a funds transfer request only if we receive
your request prior to the execution of the funds transfer request
and at a time that provides us with a reasonable opportunity to act upon that request. We shall not be liable to you for any loss resulting from the failure of the beneficiary financial institution to agree to a recall or amendment of your funds transfer request. You further agree that we shall not be responsible for any delay, or failure to execute your funds transfer request due to circumstances beyond our reasonable control - including, without limitation, any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of your funds transfer request to the bank or execution of such request by the bank, whether caused by strikes, power failures, equipment malfunctions, or acts or omissions of any intermediary bank or beneficiary bank.

 

14. Special P2P Terms

P2P payments is a service that allows users to send money via Online Banking or Mobile Banking to others using a cell phone number or an Email address through a third party service provider. Sending money does not require you to have an account with the service provider, which is independent of the Credit Union. You are responsible for compliance with terms and conditions imposed by the service provider. We are not responsible for actions of the service provider except as expressly set forth in this agreement.

a. Eligibility for P2P Payments
You authorize the Credit Union, directly or through authorized third
parties, to make any inquiries necessary to validate your identity. This may include asking you for additional information, requiring you to take steps to confirm ownership of your Email address or financial services, ordering a credit report, or verifying your information against third party or internal databases or through other sources. We may in our sole discretion disallow the use of P2P payments at any time.

b. Making Transfers
When an Online Banking P2P Payment is made, the funds are immediately transferred from the Eligible Credit Union Account you
have with us for transfer and are credited to our service provider to
provide funds to the recipient. You agree that such requests serve as your authorization to us and to our service provider to make the transfers. Once you have provided your authorization for the transfer, you may not be able cancel the transfer.

c. Refused and Refunded Transactions
When you send money, the recipient is not required to accept it. You agree that you will not hold the Credit Union or our service provider liable for any damages resulting from a recipient’s decision not to accept a payment made through the service. If a payment is unclaimed, denied or refunded for any reason, we will return the money to your Account after 30 days from the date you initiated payment.

 

15. Statement Errors

In case of errors or questions about EFTs, telephone us at 503-397-2376 or toll-free at 800-275-6434 and send us a written notice at P.O. Box 537, St. Helens, OR 97051. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. In your notice:
- Tell us your name and account number.
- Describe the transfer you are unsure about, 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 suspected error.

If you tell us verbally, we may 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 after we hear from you and will correct any error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question (ninety (90) days for POS (point of sale) transaction errors, new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will recredit the account within ten (10) business days (five (5) business days for Visa Debit Card transactions) for the amount you think is in error, so that you will have the 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 ten (10) business days, we may not recredit the account. If we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members’ rights to privacy) used in our conclusion that the error did not occur.

 

16. ATM and ITM Safety Notice

The following information is a list of safety precautions regarding the use of Automated Teller Machine (ATM), Interactive Teller Machine (ITM) and night deposit facilities.

- Be aware of your surroundings, particularly at night.
- Consider having someone accompany you when the ATM, ITM or night deposit facility is used after dark.
- If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
- Refrain from displaying your cash at the ATM, ITM or night deposit facility. As soon as your transaction is complete, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
- If you notice anything suspicious at the ATM, ITM or night deposit facility, consider using another ATM, ITM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your card or deposit envelope, and leave.
- If you are followed after making a transaction, go to the nearest public area where people are located.
- Do not write your Personal Identification Number or code on your card.
- Report all crimes to law enforcement officials immediately.