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I understand 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 transactions.
- The total dollar amount of transactions via Mainline/Home @ccess are subject to limits set by the Credit Union, and sufficient verified funds must be available to satisfy my transaction instructions.
- 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.
Electronic 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
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.
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.
Instructions What is Home @ccess?
This free service allows you to access your account through your PC in a secured environment. You may view you account balances, see what checks have cleared, advance your loan, order a copy of a check and many other things. If you use Quicken or Microsoft Money, you may download your account information into either of these programs.
How do I use Home @ccess?
If you currently use Mainline, you are ready to go. Just visit our website, click the Home @ccess icon, and enter your account number and Mainline access code. You will see your account balances on the screen. Simply click on any of the underlined areas to access your accounts. You can even send us messages. If you have never used Mainline, you will need to call 859-257-UKCU (8528) or 800-234-UKCU (8528). The system will ask for your account number, then it will ask you to enter an access code. After you enter the code, it will ask for your social security number for verification. In 1—2 business days your home banking access will be activated and your access code set to match your Mainline code. Just follow the above directions and you will have access to your accounts online.
How secure is Home @ccess?
We are currently using a firewall in addition to 128-bit encryption to protect member transaction information. When first accessing our site you will get a "Secure Certificate" message. You must accept this certificate to be allowed access to the site. The certificate uses 128-bit encryption. Most individuals use a Standard version of Netscape or Internet Explorer which only offers 40-bit encryption and this is the reason you might receive a message that does not recognize our complete security system. In order to take full advantage of the security offered you will need to update the browser you are using. Update information will be available on our website.
Netscape download address—channels.netscape.com/ns/browsers/
Internet Explorer download address—www.microsoft.com/windows/ie/
If you have any questions, visit our Online Services FAQ page. If you have comments, or suggestions, please contact us at 859-264-4200 or 800-234-UKCU (8528) or send an email to ukfcu@uky.edu*.
*Please Note: E-mail is not a secure means of communication, and confidential information should not be conveyed. |
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