and Home Banking Agreement &
that the use of my access code will acknowledge acceptance of the following
terms and conditions.
- I will not disclose
my personal access code to anyone not authorized to sign on the account.
- It is my understanding
that my control number may be used for transfers between my accounts, information
regarding my accounts and for such other transactions as may become available,
of which this agreement is made a part by reference.
- If I default in my accounts
I owe under this Agreement, I agree to pay any and all attorney fees and collection
costs incurred by the Credit Union.
- I waive all present
or future claims against the Credit Union and release the Credit Union from
all responsibility for loss or damage not caused by the Credit Union's negligence
which I might incur through unauthorized transactions of any kind from my
account(s) through the custody and use of the access number.
- I understand the Credit
Union reserves the right to discontinue access to MAINLINE/Home Banking without
notice and will not be liable for failure to honor any MAINLINE/Home Banking
- The total dollar amount
of transactions via MAINLINE/Home Banking are subject to limits set by the
Credit Union, and sufficient verified funds must be available to satisfy my
- Amendments to this Agreement
may be provided to me, in accordance with applicable laws, without restatement
of the terms, conditions and requirements as the Credit Union may establish
from time to time.
Fund Transfers Disclosure
- There is no charge to
you for this service. The Credit Union reserves the right to impose service
charges at a future date after giving you notice of such service charges.
- Information concerning
your share or loan account will be given to third parties only: a) in order
to comply with the order of a government agency or court, or b) if you give
us your written permission, c) where it is necessary to complete the automatic
transfer to your account.
- You will receive a statement
of your account at least once every quarter. Share draft (checking) statements
are mailed monthly.
- If we do not complete
a transfer to your account in time for 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, a) if circumstances
beyond our control (such as fire or flood) prevent the transfer despite reasonable
precautions we have taken, or b) if the part sending us the deposit either
fails to generate the deposit or fails to generate the correct amount on time,
or c) if, through now fault of ours, you do not have enough money in your
account to make the transfer. There may be other exceptions stated in our
agreement with you.
In case of errors or questions
about your electronic transfer, telephone us at (859) 264-4200 or write us at
2557 Sir Barton Way, Lexington, KY 40509 as soon as you can if you think your
statement is wrong or if you need more information about a transfer listed on
the statement. We must hear from you no later than 90 days after we send the
first statement on which the problem or error appeared.
- Tell us your name and,
if known to you, your account number.
- Describe the error or
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 orally,
we may require you to send us your complaint or question in writing within 10
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 days to investigate your complaint or questions. 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 the money during the time it takes to complete
our investigation. If we ask you to put your complaint in writing and we do
not receive it in 10 business days, we may not re-credit your account.
If we decide that there
is no error, we will send you a written explanation within 3 business days,
after we finish our investigation. You may ask for copies of the documents we
used in our investigation.