BELL FEDERAL CREDIT UNION INTERNET ACCOUNT ACCESS DISCLOSURE STATEMENT
RETAIN FOR YOUR RECORDS
The following information defines and describes the types of Electronic Funds Transfers which are available to members with our BFCU e*teller Account Access. It also contains your rights and responsibilities concerning these transactions, including your rights under the Electronic Funds Transfers Act. Please read this document carefully. You may want to print it or save it for future reference.
1. INTERNET ACCOUNT ACCESS.
You can use our BFCU e*teller Account Access to:
a.Obtain balances and other account details on your share and loan accounts.
b.Make transfers between your share accounts and from your share account(s)to pay your consumer and Home Equity loans. Visa payments are ineligible at this time.
c.Withdraw funds from your share account(s), by check, to be mailed to you at your address of record on the next available business day.
d.Obtain loan advances from your Ready Reserve line-of-credit, by check,to be mailed to you at your address of record on the next available business day, or transfer to your share account(s).
e.Review up to two months transaction history on your accounts.
f.Obtain tax information on your shares and loans.
g.Change your BFCU e*teller Account Access password.
2. LIMITATIONS ON TRANSFERS.
a.Federal regulations limit pre-authorized transfers from your regular share account to no more than six per account per month. This includes transfers by phone, fax, wire and cable, overdraft transfers to checking, and Internet instruction.
b.The functions and limitations of BFCU e*teller Account Access may be updated, without notice, at the option of Bell FCU in order to provide improved service to the membership.
3. LIABILITY.
By applying for BFCU e*teller Account Access, you agree to accept responsibility for protecting the integrity of your account number and Password, in order to prevent unauthorized transactions and/or account access. You also agree that BFCU may revoke your e*teller Account Access if unauthorized account access and/or transactions occur as the apparent result of your negligence in safeguarding the Password. Granting access to your account via the Internet to any other person (non-owner) will make you financially liable for all unauthorized access, losses or misuse of the account, until reported to BFCU.
Inform BFCU at once, if you believe your account number and password, or any record thereof, has been lost or stolen, or if your account has been accessed without your authority. Telephoning is the best way of keeping your possible losses down, but you may also notify us via the Internet or by writing to the address below. You could lose all the money in your accounts, but if you tell us within two (2) business days of the loss, theft or unauthorized access, you can lose no more than $50 if someone accesses your account without your permission. If you do NOT tell us within two (2) business days after you learn of the unauthorized access, and we can prove we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as $500.
If your statement shows any electronic fund transfer you did not make or authorize to be made, tell us at once. If you do not inform us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 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 (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
4. ADDRESS AND TELEPHONE NUMBERS.
If you believe unauthorized access occurred on your account or your account number or Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, call BFCU Monday through Friday between the hours of 9:00 a.m. and 4:30 p.m. Central Standard Time at 800-370-9555 or 605-338-2533; send email to marge@bellfederalcu.org; or write to us at Sioux Falls Bell Federal Credit Union, Attn: Electronic Services,3809 S Kiwanis Circle, Sioux Falls, SD 57105.
5. BUSINESS DAYS.
For purposes of these disclosures, BFCU's business days are Monday through Friday, excluding holidays.
6. DOCMENTATION OF TRANSFERS.
Your periodic statement will specifically identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any case, you will get a statement at least quarterly. Additionally, through BFCU e*teller Account Access, you can view all of your transaction activity at any time.
7. CHARGES.
There is no charge for BFCU e*teller Account Access.
8. SECURITY.
When you enter the e*teller area of the Web site, encryption is automatically enabled. This is called a secure site. To verify if an Internet session is secure, check the key icon at the left corner of Netscape's browser screen. If the key appears intact on a blue background, then encryption is activated. If the key icon appears as a broken key, then encryption is not in use and the current session is not secure. Microsoft Explorer displays a locked padlock in the lower right corner of the screen to indicate a secured site. To view the details of the digital certificate, double-click on the Netscape key icon or the Internet Explorer lock icon.
9. E-MAIL SECURITY.
You’re-mail system is not a secured environment! Please do not send private account information such as amounts or share/loan account numbers or passwords via e-mail. When clicking on an e-mail link, your e-mail application is automatically started for you in an unsecured environment. Please use the Contact us link to send general comments, questions and feedback only. If you have specific questions or problems about your account, we recommend that you contact us by telephone at: 605/338-2533 or 1-800-370-9555
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