e-Teller Access Agreement
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I. Introduction
II. Accessing Your Spirit of Alaska Federal Credit Union (SoAFCU) Accounts through E-teller
A. Requirements
B. Electronic Mail (E-mail)
C. Fees
D. New Services
E. Benefits of Using E-teller
III. Terms and Conditions
A. Your Online Password
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions
IV. Bill Pay-e Plus Payment Services
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on E-teller Transactions
D. Other General Terms
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your SoAFCU Accounts
I.
Introduction
This Online Access Agreement ("Access Agreement") for accessing
your Spirit of Alaska Federal Credit Union (SoAFCU) accounts through E-teller
explains the terms and conditions governing the Online banking services
and bill pay offered through E-teller. By using the E-teller services,
you agree to the terms and conditions of this Access Agreement. This Online
Access Agreement will be governed by and interpreted in accordance with
Federal law and regulation, and to the extent there is no applicable Federal
law or regulation, by the laws of the State of Alaska. The terms "we,"
"us," "our," "SoAFCU," and "Credit Union"
refer to Spirit of Alaska Federal Credit Union (SoAFCU). "You"
refers to each signer on an account. The term "business days"
means Monday through Friday, excluding Saturday, Sunday and Federal holidays.
E-teller
can be used to access SoAFCU accounts. Each of your accounts at SoAFCU is
also governed by the applicable account disclosure statement ("Deposit
Agreement and Disclosure").
II. Accessing Your SoAFCU Accounts through
E-teller
A.
Requirements
To access your accounts through E-teller, you must have a SoAFCU account
and an Online password.
B.
Electronic Mail (E-mail)
Sending electronic mail (E-mail) through E-teller is a way to communicate
with the Credit Union. E-mail is provided for you to ask questions about
your account(s) and provide general feedback. Our E-mail service can only be used within E-teller and cannot be used to communicate with outside email addresses. E-mail is accessible after
you sign on with your password to a session of E-teller. To ensure the
security of your account information, we recommend that you use E-mail
when asking specific questions about your account(s).
You cannot use E-mail to initiate transactions on your account(s). For
banking transactions, please use the appropriate functions within E-teller
or call (907) 459-5900.
C.
Fees
There are no monthly or transaction fees for accessing your account(s)
through E-teller. See Section IV for a description of Bill Pay-e Plus
fees.
Please note that fees may be assessed by your Online service provider.
D.
New Services
SoAFCU may, from time to time, introduce new Online services. We will notify
you of any new services. By using these services when they become available,
you agree to be bound by the rules communicated to you concerning these
services.
E.
Benefits of Using E-teller
With E-teller, you can manage your personal or small business accounts
from your home or office on your personal computer. You can use E-teller
to:
- View account balances and review transaction history.
- Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).
- Pay bills to any merchant, institution or individual.
- Communicate directly with SoAFCU through E-mail.
III.
Terms and Conditions
The first time you access your SoAFCU accounts through E-teller you agree
to be bound by all the terms and conditions of this Agreement and acknowledges
your receipt and understanding of this disclosure.
A.
Your Online Password
You will be given an Online Password that will give you access to your
SoAFCU accounts for E-teller access. This password can be changed within
E-teller using the options button. We recommend that you change your password
regularly. SoAFCU will act on instructions received under your password.
For security purposes, it is recommended that you memorize this Online
password and do not write it down. You are responsible for keeping your
password, account numbers and other account data confidential.
B.
Payment Account
Although there are no fees for accessing your accounts through E-teller,
you may be asked to designate a payment account for selected services
such as Bill Pay-e Plus. You agree to pay promptly all fees and charges for
services provided under this Agreement, and authorize us to charge the
account that you have designated as the payment account or any other account
for the fees.
If you close the payment account, you must notify SoAFCU and identify a new payment account for the selected services. Additionally, if you close all SoAFCU accounts, you must notify SoAFCU Member Services to cancel the E-teller services.
Your Online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, E-teller services may be reinstated, once sufficient funds are available in your accounts to cover any fees and other pending transfers or debits. In order to reinstate your services, you must call SoAFCU Member Services at (907) 459-5900.
If you do not access your SoAFCU accounts through E-teller for any (6) month period, SoAFCU reserves the right to disconnect your service without notice. Please note that your bill payment information will be lost if you are disconnected.
You agree
to be responsible for any telephone charges incurred by accessing your
SoAFCU accounts through E-teller.
If you wish to cancel any of the E-teller services offered through E-teller,
please contact SoAFCU Member Services at (907) 459-5900 or send us cancellation
instructions in writing to SoAFCU, 1417 Gillam Way, Fairbanks, AK 99701.
C.
Our Liability
Except as specifically provided in this Agreement or where the law requires
a different standard, you agree that neither we nor the service providers
shall be responsible for any loss, property damage or bodily injury, whether
caused by the equipment, software, SoAFCU, OR by Internet browser providers
such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft
Explorer browser), OR by Internet access providers OR by Online service
providers OR by an agent or subcontractor of any of the foregoing. Nor
shall 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, use or maintenance of the equipment, software,
the Online Financial Services, or Internet browser or access software.
D.
Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds
transfers (ATM withdrawals, pre-authorized transactions, E-teller transfers
and bill payments, etc.) that you have requested for a given business
day, then:
- Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
- The electronic funds transfers initiated through E-teller may result in an overdraft of your account and may, at SoAFCU's discretion, be canceled.
In addition, you will be charged the same overdraft charges that apply to your account.
E.
Hours of Accessibility
You can access your SoAFCU accounts through E-teller seven days a week,
24 hours a day. However, at certain times, some or all of E-teller may
not be available due to system maintenance. You will be notified Online
when this occurs.
A transfer initiated through E-teller before 6:00 PM, Alaska time, on a business day is posted to your account the same day. All transfers completed after 6:00 PM, Alaska time, on a business day or on a Saturday, Sunday or banking holiday, will be posted on the next business day.
Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.
F.
Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain balance
and transaction history on all eligible accounts. Current balance and
activity information is available as of the close of the previous business
day.
Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Deposit Agreement and Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.
IV.
Bill Pay-e Plus Service
A. Using the Service
The Bill Pay-e Plus payment service allows you to schedule
bill payments using Bill Pay-e Plus directly through E-teller. (Please
click here for full Bill Pay-e Plus terms and conditions.) You can schedule, at your option, for the payment of your current, future
and recurring bills from any of your SoAFCU checking accounts. There is
no limit to the number of payments that may be authorized. You may pay
any merchant or individual through the use of Bill Pay-e Plus.
By furnishing us with the names of payees/merchants, you authorize us to follow the payment instructions to these payee/merchants that you provide us through Bill Pay-e Plus. When we receive a payment instruction (for the current or a future date), we will remit funds to the payee on your behalf from the funds in your selected checking account. When SoAFCU receives a payment instruction, you authorize it to charge your checking account and remit funds on your behalf so that the funds arrive as close to the business day designated by you as reasonably possible. While it is anticipated that most transactions will be completed on the exact day designated, it is understood that due to circumstances beyond the control of SoAFCU, particularly delays in handling and posting payments by slow-responding companies or financial institutions, some transactions may take a day or even a few days longer.
SoAFCU will use its best efforts to process all your payments properly. However, SoAFCU shall incur no liability if it is unable to complete any payments initiated by you through Bill Pay-e Plus payment services because of the existence of any one or more of the following circumstances:
- Your account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection account.
- The SoAFCU processing center is not working properly and you know or have been advised by the service about the malfunction before you execute the transaction.
- You have not provided SoAFCU with the correct names or account information for those persons or entities to whomever you wish to direct payment.
- Circumstances beyond the control of SoAFCU, such as, but not limited to, fire, flood, or interference from an outside force that would prevent the proper execution of the transaction. SoAFCU has taken reasonable precautions to avoid those circumstances.
You have the right to stop or change any scheduled payment as stated in your Bill Pay-e Plus agreement. (Please click here for full Bill Pay-e Plus terms and conditions.)
SoAFCU reserves the right to terminate your use of Bill Pay-e Plus bill payment service in whole or part, at any time without prior notice.
If, for any reason, you should ever wish to cancel Bill Pay-e Plus bill payment services, we strongly suggest that you cancel all future bill payments at the same time that you cancel your service, either by deleting those payments yourself using Bill Pay-e Plus or calling iPay Customer Care Center at (800) 321-7048. This will ensure that future payments and transfers made by you will not be duplicated.
B.
Bill Pay-e Plus Fees
All members with a qualifying checking account may
apply for the Bill Pay-e Plus service. The monthly fee for Bill Pay-e Plus E-teller payment services is $6.95 per month. This fee covers unlimited
bill payments to anyone you wish to pay in the U.S. Fees will be charged
to your payment account, whether or not bill payments are made out of
that account, or any other account linked to E-teller payment services.
Additionally, you agree to pay any special charges in effect as announced
by the Credit Union from time to time. These charges are in addition to
the fees and service charges specified in your applicable checking, savings,
overdraft protection account agreements (for example, uncollected or overdraft
charges on your checking account). If the payment account has insufficient
funds to cover fees we will deduct the fee from any other checking account
linked to E-teller (in any order we may choose), or the Credit Union may,
at their discretion, make the payment using your
Courtesy Pay overdraft protection if applicable. If the fee cannot
be paid, we may cancel your Bill Pay-e Plus service. After
cancellation, your Bill Pay-e Plus service may be reinstated by contacting
SoAFCU Member Services once sufficient funds are available in your payment
account to cover the bill payment fees and any other pending transfers
or debits.
V.
General Terms
A. Changes to Charges, Fees
or Other Terms
We reserve the right to change the charges, fees or other terms described
in this Agreement. However, when changes are made to any fees or charges,
we will notify you Online, or send a notice to you at the address shown
on our records, or send you an electronic mail message (E-mail). The notice
will be posted or sent at least thirty (30) days in advance of the effective
date of any additional fees for Online transactions, or of any stricter
limits on the type, amount or frequency of transactions or any increase
in your responsibility for unauthorized transactions, unless an immediate
change is necessary to maintain the security of the system. If such a
change is made, and it can be disclosed without jeopardizing the security
of the system, we will provide you with electronic or written notice within
thirty (30) days after the change. As always, you may choose to accept
or decline changes by continuing or discontinuing the accounts or services
to which these changes relate. Changes to fees applicable to specific
accounts are governed by the applicable Deposit Agreement and Disclosure.
B. Disclosure of Account
Information
You understand that in addition to information furnished pursuant to legal
process, some information about your accounts may automatically be disclosed
to others. For example, the tax laws require disclosure to the government
of the amount of the interest you earn, and some transactions, such as
certain large currency and foreign transactions, must be reported to the
government. The Credit Union may also provide information about your account(s)
to persons or companies the Credit Union believes would use the information
for reasonable purposes, such as when a prospective creditor seeks to
verify information you may have given in a credit application or a merchant
calls to verify a check you have written. In addition, the Credit Union
routinely informs a credit bureau when accounts are closed by the Credit
Union because they were not handled properly. The Credit Union may also
seek information about you from others, such as a credit bureau, in connection
with the opening or maintaining of your account. You authorize these transfers
of information.
C. Questions or Error Correction
on E-teller Transactions
In case of questions or errors about E-teller funds transfers through
E-teller involving your account, here is what you should do:
- Contact SoAFCU by electronic mail (E-mail) at info@spiritofak.com.
- Fax SoAFCU at 907-459-5990.
- Telephone SoAFCU at (907) 459-5900 or toll free 800-478-1949.
- Write SoAFCU at 1417 Gillam Way, Fairbanks, AK 99701, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record.
- We must hear from you no later than sixty (60) days after we have sent the first statement on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.
- Tell us your name and account number.
- Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.
- Tell us the dollar amount of the suspected error.
- For a web bill payment, contact the iPay Customer Care Center at (800) 321-4048.
- Here's
what we will do:
We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international 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 will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.
If we do not complete a transfer to or from your SoAFCU account on 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:
- If, through no fault of ours, you do not have enough money in your account to make a transfer.
- If a legal order directs us to prohibit withdrawals from the account.
- If your account is closed or if it has been frozen.
- If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
- If you, or anyone you allow, commits any fraud or violates any law or regulation.
- If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.
- If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.
- If you have not properly followed the instructions for using E-teller.
- If circumstances beyond our control (such as fire, flood or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.
D.
Other General Terms
Other Agreements - In addition to this Agreement you agree to be
bound by and will comply with the requirements of the applicable Deposit
Agreement and Disclosure, the Credit Union's rules and regulations, the
rules and regulations of any funds transfer system to which the Credit
Union belongs, and applicable State and Federal laws and regulations.
We agree to be bound by them also.
SoAFCU Reserves the Right to terminate this Agreement - The Credit
Union reserves the right to terminate this Agreement and your access to
E-teller, in whole or in part, at any time without prior notice.
VI.
Protecting Your Account
A. Preventing Misuse of Your Account
Your role is extremely important in the prevention of any wrongful use
of your account. You must promptly examine your statement upon receipt.
If you find that your records and ours disagree, you must immediately
call SoAFCU Member Services at (907) 459-5900.
Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.
Taking Care of Your Online Password - The password that is used to gain access to E-teller should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online 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 Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify SoAFCU Member Services at once at (907) 459-5900.
B.
Unauthorized Transactions in Your SoAFCU Accounts
Notify us immediately if you believe another person has improperly obtained
your Online password. Also notify us if someone has transferred or may
transfer money from your account without your permission, or if you suspect
any fraudulent activity on your account. Only reveal your account number
to a legitimate entity for a purpose you authorize (such as your insurance
company for automatic payments). To notify us, call SoAFCU Member Services
at (907) 459-5900, or write SoAFCU, 1417 Gillam Way, Fairbanks, AK 99701.
If your Online password has been compromised and you tell us within two
(2) business days after you learn of the loss or theft, you can lose no
more than $50 if someone used your Online password without your permission
to access a SoAFCU deposit account. If you do NOT tell us within two (2)
business days after you learn of the loss or theft, and we could have
stopped someone from taking money without your permission had you told
us, you could lose as much as $500.
Also, if your statement shows withdrawals, transfers or purchases that
you did not make or authorize, please notify us immediately. If you do
not notify us within sixty (60) days after the statement was sent to you, and we could have stopped someone from taking money if
you had told us in time, you may not get back any money lost after the
sixty (60) days. If extenuating circumstances, such as a long trip or
hospital stay, kept you from telling us, the time periods in this section
will be extended.
By accepting the terms of this agreement, you consent to accessing your periodic statements electronically via the E-Teller website. You understand, prior to giving your consent that:
- Your consent applies to disclosures and notices regarding your deposit/share accounts or loans and lines of credit, including your periodic statements;
- Unless you consent, you have the right to receive all required disclosures in paper or non-electronic form;
- Even after consent, if you want to receive a paper copy of any disclosure in addition to the electronic disclosure you can obtain one free of charge by calling us;
- You can withdraw your consent at any time by calling us, but such a withdrawal of consent will result in possible assessment of fees; and
- You must promptly provide us with the information (such as an email address) needed to communicate with you electronically and update us as to any changes in such information by contacting us at;
Spirit of Alaska Federal Credit Union
1417 Gillam Way
Fairbanks, AK 99701
Business Days: Monday through Saturday, Excluding Federal Holidays
Phone: 907-459-5900
Systems and Software
We shall not be responsible to you for any loss or damages suffered by you as a result of the failure of systems and software used by you to interface with our systems.
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