USA PATRIOT ACT DISCLOSURE:
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.
The Web Site offered to you by Weber State Credit Union, and your use therein, is conditioned on your acceptance without modification of the terms, conditions, and
notices contained herein. Your use of the Weber State Credit Union Web Site constitutes your agreement to all such terms, conditions, and
Weber State Credit Union reserves the right to change the terms, conditions, and notices under which the Weber State Credit Union Site/Services
are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Weber
State Credit Union Site/Services constitutes your agreement to all such terms, conditions, and notices.
Personal and Non-Commercial Use Limitation
Unless otherwise specified, the Weber State Credit Union Site is for your personal and non-commercial use. You may not modify, copy, distribute,
transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products
or services obtained from the Weber State Credit Union site.
Links to Third Party Sites
The Weber State Credit Union Site/Services may contain links to third party Web sites (“Linked Sites”). The Linked Sites are not under the
control of Weber State Credit Union and Weber State Credit Union is not responsible for the contents of any Linked Site, including (without
limitation) any link contained in a Linked Site, or any changes or updates to a Linked Site. Weber State Credit Union is not responsible for webcasting
or any other form of transmission received from any Linked Site nor is Weber State Credit Union responsible if the Linked Site is not
working appropriately. Weber State Credit Union is providing these links to you only as a convenience, and the inclusion of any link does not
imply endorsement by Weber State Credit Union of the site or any association with its operators. You are responsible for viewing and abiding
the Weber State Credit Union Site/Services or participation in promotions, including the delivery of and the payment for goods and services,
and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the
advertiser or other third party. Weber State Credit Union shall not be responsible or liable for any part of any such dealings or promotions.
No Unlawful or Prohibited Use
As a condition of your use of the Weber State Credit Union Site/Services, you will not use the Weber State Credit Union Site/Services for any
purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Weber State Credit Union Site/Services in
any manner which could damage, disable, overburden, or impair any Weber State Credit Union Site/Service(s) (or the network(s) connected
to any Weber State Credit Union Site/Service(s)) or interfere with any other party’s use and enjoyment of any Weber State Credit Union Site/
Service(s). You may not attempt to gain unauthorized access to any Weber State Credit Union Site/Service, other accounts, computer systems
or networks connected to any Weber State Credit Union Site/Service, through hacking, password mining or any other means. You may not
obtain or attempt to obtain any materials or information through any means not intentionally made available through the Weber State Credit
Service Contact: email@example.com
Weber State Credit Union reserves the right, at its sole discretion, to terminate your access to the Weber State Credit Union Site/Services and
the related services or any portion thereof at any time, without notice.
Weber State Credit Union may also terminate or suspend your access to Weber State Credit Union Site/Service(s) for inactivity, which is defined
as failing to log into a particular service for an extended period of time, as determined by Weber State Credit Union. Upon termination of
the Weber State Credit Union Site/Service, your right to use the Weber State Credit Union Site/Service immediately ceases. Weber State Credit
Union shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.
Online Account Access Disclosure
This segment explains the terms and conditions for using our Internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Weber State Credit Union is also governed by the applicable account disclosure/agreement and Truth In Savings disclosure you received when you opened your account. Click here to download a complete copy of our Terms & Conditions sheet.
How To Access Your Accounts
To access your accounts through our Internet Home Banking service, you must have your username/ 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 Weber State Credit Union at once at (801) 399-9728.
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 (801) 399-9728 or visit the credit union for these functions.
To get an initial password for the Internet Home Banking service, visit the credit union office or call us at (801)399-9728
There are no monthly fees and/or transaction fees for accessing your account(s) through our Internet Home Banking service. We do not intend to charge in the future for the service but reserve the right to do so after providing 30 days advance notice to all users at the home banking login page.
Your internet service provider (ISP) probably charges you a fee to access the internet via its server. We have no control over ISP related fees.
Available Services and Limitations
The following functions may be performed by members through the service:
Transfers. You may transfer funds between your Share or Loan Accounts as the account agreements may allow. Transfers from any share account except Share Draft (Checking) are limited to six (6) per calendar month in any combination of online, pre-authorized and telephone transfers. If a member exceeds six (6) share account transfers in a month, each transfer is subject to a $1.00 Regulation D transfer fee. Transfers done through the service DO NOT immediately charge or credit your account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
You may view your share and loan account balances. Because the main credit union computer system is not connected to the internet, it is possible that some transactions that affect these balances, and have been processed by the credit union, are not yet included in the balance at the time you view it. In addition, there may be drafts written against your balance, or other electronic items such as debit card transactions, that have not yet been presented to the credit union for payment.
You may view the transaction history for any loan or share account. Because the main credit union computer system is not connected to the internet, it is possible that some transactions are not yet included in the history at the time you view it even though they may have been processed by the credit union. The main credit union computer system is always the official record of account history. The Internet Home Banking service may be updated several times per day for your convenience in viewing account activity.
If you are an Internet Home Banking user, you may change your password at any time from within the home banking section. For your protection we recommend that you change your home banking password regularly.
You may reorder checks and/or view and order new check styles available through the credit union. We will not process check order requests if you do not have a checking account at the credit union.
You may search for drafts that have cleared your account. You may also list clearings by date cleared or by check number. The oldest check available will vary but dates will go back, at a minimum, to your last regular statement date.
You may view and print an image of a share draft you have written that has cleared your account. It is possible, for a variety of reasons, that the image you request cannot be displayed within our home banking site. If this happens, you should contact us to get the copy.
From time to time, we will announce additional services which are available through our Internet Home Banking. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access at any time.
Our business days are Monday through Friday, 9:00 AM - 6:00 PM. Holidays are not included.
Operating Systems and Security
Our Internet Home Banking site is designed to operate using World Wide Web technologies and protocols which are adaptable to a wide range of systems. The Home Banking section uses SSL encryption. Some older browsers may not be able to connect to the site. Our server uses 128 bit encryption.
The cookie we set will 'time out' your access authority to our Home Banking section. Until it times out, you can come back to our Home Banking without logging in. 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 exit the browser when you are finished with your session. This is especially important if you are using a public or shared computer.
Our Home Banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to ensure the privacy of your information when sending data between our home banking server and your PC.
All Home Banking logins are logged by the server. For authenticated members who use Home Banking, we collect and store certain information such as how often you visit the home banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law.
We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit.
Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within the home banking section. To avoid the possibility of losing all the money in your account, tell us within two (2) business days. Telephoning us at 801-399-9728 is the best way to notify us. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If a good reason kept you from telling us, we will extend the time periods.
If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:
Weber State Credit Union
4140 Harrison Blvd.
Ogden, Utah 84403
All transactions generated by you through our home banking service and any home banking fees will appear on your monthly or quarterly statement.
Our Liability : If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure 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 the transfer;
-If the home banking equipment or software was not working properly and you knew about the breakdown when you started the transfer;
-If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.
We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the home banking 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 service, 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 merchantability.
Errors and Questions
In case of errors or questions about your electronic transfers, telephone us at (801) 399-9728 or write us at 4140 Harrison Blvd. Ogden, Utah 84403 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us your name, account number, where and when the error occurred, and the dollar amount of the error.
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 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 in question after the ten (10) business days. 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 credit your account during the investigation.
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.
If you need more information about our error resolution procedures, call us at the telephone number shown above.
For assistance or questions relating to any of the products,
accounts or services we offer, please call 801-399-9728.