| S.P.O.T.
Account Information Disclosure |
1) Schools
Plus Online Teller Services
In order
to use "S.P.O.T." you must be a member of Schools
Plus Community Credit Union in good standing. The following
transactions may be performed by the member through "S.P.O.T."
A) Review
balances and transaction history on accounts.
B) You may transfer funds between your Schools Plus CCU
share, draft (checking) and/or loan accounts.
C) Review year to date transactions.
NOTE: TRANSFERS done on "S.P.O.T." DO NOT immediately
credit or charge your account(s). Transfers will be effective
the next business day after the date of such transaction.
2) How
To Access Your Accounts:
To access your accounts through our Internet Home Banking
service, you must have your account number and an Internet
Home Banking Password. This information is requested when
you enter our home banking pages. The password that is used
to gain access to your information should be kept confidential,
just as you would keep other PIN numbers and security codes
confidential. For your protection we recommend that you
change your home banking access password regularly. It is
recommended that you memorize this 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 password may have been lost or stolen,
or that someone has transferred or may transfer money between
your accounts without your permission, notify the credit
union at once at 541-276-4876 or 541-567-8077. You cannot
use E-mail to initiate transactions, change information
or inquire on your account(s). We will not respond to these
types of requests via E-mail since we cannot be certain
we are corresponding with you. Please use the appropriate
functions within our Internet Home banking service, call
541-276-4876 or 541-567-8077 or visit the credit union for
these functions. Please contact the Credit Union @ 541-276-4876
or 541-567-8077 for your initial password.
3) Operating
Systems
A) Our
Internet site is designed to operate using World Wide Web
technologies and protocols, which are adaptable to a wide
range of systems.
B) Our
Internet home banking site is designed to operate using
the World Wide Web technologies and protocols, which are
adaptable to a wide range of systems. The home banking section
use SSL encryption and requires a browser with the ability
to use SSL encrypted connections. Some older browsers may
not be able to connect to the site without first updating
the browser. Our server uses 128-bit domestic encryption,
and 40-bit international encryption, depending on the users
browser. After the time out period, you will need to log
in again. Remember, most browsers will let you use a BACK
button to view previously visited documents, even if your
viewing authority has expired. For this reason, the only
way to keep others from viewing your account balance is
to logout from the Internet Home Banking service. An idle
connection will time out, and automatically log you out.
Time Out is set for: 5 minutes.
Upgrade
For Internet Explorer to get 128 bit Encryption
Upgrade
to Netscape with 128 bit Encryption
C) "S.P.O.T."
is not a real-time system. You will experience a delay between
the time transactions are posted to your account and the
time they are viewable through "S.P.O.T." Every
effort will be made to update the Web Site twice daily during
business days, by 10:00 a.m. and 8:00 p.m. respectively.
No scheduled updates will be made during the weekends and
holidays.
4) Password/Personal
Identification Number (PIN)
A) Access
to a member account will be by means of a member's PIN.
Users agree not to make their PIN available to any other
person. If you believe that your PIN has been lost or stolen,
or find that someone has transferred or may transfer funds
from your account without your permission, call call the
Credit Union @ 541-276-4876 or 541-567-8077 between 8:30
a.m. and 5:30 p.m. Monday through Friday, or write us at
705 SW Emigrant, Pendleton, OR 97801. You may also visit any
of our offices.
B) You
may change your password (PIN) at any time when you are
using "S.P.O.T." We recommend you change your
PIN periodically and do so immediately if you believe someone
has gained access to this information.
5) Charges
Schools
Plus Community Credit Union does not intend to charge for
this service. We do, however, reserve the right to do so
in the future and will provide 30 days advance notice to
all members and to all users through the system.
6) Statements
All transactions
generated by you through "S.P.O.T." and any fees
will appear on your monthly or quarterly statement.
7) Our
Liability
A) If we
do not complete a transfer to or from your 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:
1) If,
through no fault of ours, you do not have enough money in
your account to make the transfer;
2) If "S.P.O.T." equipment or software was not
working properly and you knew about the breakdown when you
started the transfer;
3) If circumstances beyond our control (such as fire or
flood) prevent the transfer despite reasonable precautions
that we have taken.
B) We shall not be responsible for any other loss, damage
or injury whether caused by the equipment, software and/or
"S.P.O.T." service, nor shall we be responsible
for any direct, indirect, special or consequential damages
arising in any way out of the installation, use or maintenance
of your equipment, software and/or "S.P.O.T."
except where the law requires a different standard. We do
not make any warranties concerning the equipment, the software
or any part thereof, including, without limitations, any
warranties of fitness for a particular purpose or warranties
of merchant liability.
8) Errors
and Questions
A) In case
of errors or questions about your electronic transfers,
telephone the Credit Union @ 541-276-4876 or 541-567-8077,
or write us at 705 SW Emigrant, Pendleton, OR 97801 as soon
as possible. We must hear from you within sixty (60) days
after you learn of the error. You will need to tell us:
1) Your
name and account number.
2) Why you believe there is an error and the dollar amount
involved (be specific).
3) When the error took place.
B) If you tell us orally, we may require that you send us
your complaint or question in writing within ten (10) business
days. We will reply and tell you the results of our investigation
within ten (10) business days and correct any error promptly.
If we need more time, we may take up to forty-five (45)
days to investigate the complaint, but you will have the
use of the funds after the ten (10) business days. If we
ask you to put your question or complaint in writing and
we do not receive it within ten (10) business days, we may
not credit your account during the investigation.
C) If we
decide that there was no error, we will send you a written
explanation within three (3) business days after we finish
our investigation. You may ask for copies of the documents
that we used in our investigation.
D) If you
need more information about our error resolution procedures,
call the Credit Union @ 541-276-4876 or 541-567-8077.
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