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Home Banking Disclosure

he following information describes the types of electronic funds transfers which are available to members through Online Banking/Internet Access and your rights and responsibilities concerning those transactions, including your rights under the Electronic Funds Transfer Act. You may want to print or save this document for future reference. Please read this document carefully. Some of the information may not pertain to you.

Electronic Funds Transfer
An Electronic Funds Transfer (EFT) is any transaction involving funds initiated through an electronic terminal, telephone line, computer or magnetic tape authorizing the credit union to debit or credit your account.

Types Of Electronic Fund Transfers Available
With your Password and access to the World Wide Web you may make the following transactions at any time 24 hours per day: balance inquiries, account and loan history inquiries, check clearing inquiries, transfer from one of your accounts to another one of your accounts (under the same member number), loan payments to your loans.

Other available services through Online Banking include
The ability to download history files to be used to import files in Quicken or MS Money. If available, you may request to be enrolled in Online Bill Pay Service.

Limits on Withdrawals or Transfers
Limitations on the frequency and dollar amounts of transactions made to and from your account(s) are:

Withdrawals and transfers from an account are limited to the available funds in the account.

Regulation D, at the discretion of the credit union, requires that no more than six (6) preauthorized automatic, audio response, telephone, or internet transfers may be made from your savings accounts during any one month. No more than three of these may be made by check, check card, computer, or similar order to a third party.

Online Banking does not permit withdrawals or transfers to or from Individual Retirement Accounts, Certificate Accounts, or Escrow accounts.

Mortgage loan payments must be equal to or greater than the scheduled payment amount.

Consumer Liability For Unauthorized Transfers
CONTACT US AT ONCE if you believe your access device (password) has been lost or stolen. Telephoning is the best way to control your loss. Notice of unauthorized use must be confirmed in writing. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your access device without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your access device, and we can prove we could have stopped someone from using your access device 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 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 kept you from telling us, we may extend the time periods.

TELEPHONE NUMBER AND ADDRESS TO BE NOTIFIED IN THE EVENT OF A LOSS OR AN UNAUTHORIZED TRANSFER, ERRORS OR QUESTIONS ABOUT YOUR EFT TRANSACTIONS:
919 E. Cayuga Street
Philadelphia, PA 19124
Phone: (215)-743-2922
Fax: (215)-743-5828

We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following:

1. Your name and account number;
2. Description of the error you are unsure about, and why you believe it is an error or why you need more information;
3. The dollar amount of the suspected error.

If you tell us verbally, we will require that you send us your complaint in writing within ten (10) business days or we may not credit your account. We will tell you the results of our investigation within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation. If the alleged error pertains to a point of sale or a transaction initiated outside of the United States or Puerto Rico, the forty-five (45) calendar days become 90 calendar days. If the alleged error occurs within the first 30 days of the opening and depositing to a new account the 10 business days become 20 and the 45 calendar days become 90.

If we decide there was 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 that we used in the investigation.

Business Days
Our business days are Monday-Friday. Holidays are not included. If the end of a calendar month falls on a Saturday or Sunday, the Credit Union will “close its books” for that MONTH after the last business day but before the actual last day of the MONTH. Deposits, withdrawals or transfers made using your ATM card, Etc. Check Card, Online Banking, or Audio Response after the books are closed will be treated for dividend calculation purposes as if they occurred the first day of the next month and will be reported on the statement applicable to the next month; but they will be shown on that statement as having occurred on the actual calendar day you made the transaction. Cash advances made under your Credit Union issued Credit Card Retail Installment Credit Agreement, by the Audio Response, ATM card, Etc. Debit Card, and loan payments made by using your ATM card, Etc. Debit Card, Online Banking, or Audio Response after the books are closed will be treated for interest calculation and transaction reporting purposes as if they occurred on the actual calendar day you received the advance or made the loan payment; but they will appear on the statement applicable the next month.

Charges
There are no monthly charges to maintain your Online Banking Access with an Transit Workers FCU checking account. There may be a monthly service fee for using our optional Bill Pay service, if available. If you elect to enroll in Bill Pay, these fees will appear on your monthly statement; see separate fee schedule. *

Preauthorized Payment
The Credit Union will charge your account if it must dishonor a preauthorized transfer from your account due to insufficient funds or if a stop payment order is received. See fee schedule. *

Disclosure Of Account Information To Third Parties
Information about your account is confidential. We will not disclose such information to third parties except where necessary to complete a transfer, to report or confirm the condition of your account for a credit bureau, or in order to comply with a government agency, or court order or if you give us your written permission.

Terms of Use

The Transit Workers FCU Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of Transit Workers FCU Web Site constitutes your agreement to all such terms, conditions, and notices.

Modification of these terms of use
Transit Workers FCU reserves the right to change the terms, conditions, and notices under which Transit Workers FCU Site/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of Transit Workers FCU Site/Services constitutes your agreement to all such terms, conditions, and notices.

Personal and non-commercial use limitation
Unless otherwise specified, Transit Workers FCU 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 Transit Workers FCU site.

Links to third party sites
Transit Workers FCU Site/Services may contain links to third party Web sites (“Linked Sites”). The Linked Sites are not under the control of Transit Workers FCU and Transit Workers FCU 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. Transit Workers FCU is not responsible for web casting or any other form of transmission received from any Linked Site nor is Transit Workers FCU responsible if the Linked Site is not working appropriately. Transit Workers FCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Transit Workers FCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within Transit Workers FCU 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. Transit Workers FCU 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 Transit Workers FCU Site/Services, you will not use Transit Workers FCU Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use Transit Workers FCU Site/Services in any manner, which could damage, disable, overburden, or impair any Transit Workers FCU Site/Service(s) (or the network(s) connected to any Transit Workers FCU Site/Service(s)) or interfere with any other party’s use and enjoyment of any Transit Workers FCU Site/Service(s). You may not attempt to gain unauthorized access to any Transit Workers FCU Site/Service, other accounts, computer systems or networks connected to any Transit Workers FCU 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 Transit Workers FCU Sites/Services.

Materials provided to Transit Workers FCU
Transit Workers FCU does not claim ownership of the materials you provide to Transit Workers FCU (including feedback and suggestions) or post, upload, input or submit to any Transit Workers FCU Site/Service or its associated services for review by the general public (each a “Submission” and collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Transit Workers FCU, its affiliated companies and necessary sublicenses permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission. No compensation will be paid with respect to the use of your Submission, as provided herein. Transit Workers FCU is under no obligation to post or use any Submission you may provide and Transit Workers FCU may remove any Submission at any time in its sole discretion. By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

Software & content available through Transit Workers FCU web site
All content and software (if any) that is made available to view and/or download in connection with Transit Workers FCU Site/Services is owned by and is the copyrighted work of Transit Workers FCU and/or its suppliers and is protected by copyright laws and international treaty provisions. Your use of the Software is governed by the terms of the end user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). You may not install or use any Software that is accompanied by or includes a License Agreement unless you first agree to the License Agreement terms. For any Software not accompanied by a license agreement, Transit Workers FCU hereby grants to you, the user, a revocable personal, non-transferable license to use the Software for viewing and otherwise using the particular Transit Workers FCU Site/Service in accordance with these Terms of Use, and for no other purpose provided that you keep intact all copyright and other proprietary notices. Any reproduction or redistribution of the content and/or Software is expressly prohibited by law, and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE CONTENT OR SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. You acknowledge that the Software, and any accompanying documentation and/or technical information, is subject to applicable export control laws and regulations of the USA. You agree not to export or re-export the Software, directly or indirectly, to any countries that are subject to USA export restrictions.

LIABILITY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE TWFCU SITE/SERVICES MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE TWFCU SITE/SERVICES AND TO THE INFORMATION THEREIN. TWFCU AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE TWFCU SITE/SERVICES AT ANY TIME. ADVICE RECEIVED VIA THE TWFCU SITE/SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION. TWFCU AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, LACK OF VIRUSES OR OTHER HARMFUL COMPONENTS AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED WITHIN THE TWFCU SITE/SERVICES FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. TWFCU AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, WORKMANLIKE EFFORT, TITLE AND NON-INFRINGEMENT. YOU SPECIFICALLY AGREE THAT TWFCU SHALL NOT BE RESPONSIBLE FOR UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA, ANY MATERIAL OR DATA SENT OR RECEIVED OR NOT SENT OR RECEIVED, OR ANY TRANSACTIONS ENTERED INTO THROUGH AN TWFCU SITE/SERVICE. YOU SPECIFICALLY AGREE THAT TWFCU IS NOT RESPONSIBLE OR LIABLE FOR ANY THREATENING, DEFAMATORY, OBSCENE, OFFENSIVE OR ILLEGAL CONTENT OR CONDUCT OF ANY OTHER PARTY OR ANY INFRINGEMENT OF ANOTHER’S RIGHTS, INCLUDING INTELLECTUAL PROPERTY RIGHTS. YOU SPECIFICALLY AGREE THAT TWFCU IS NOT RESPONSIBLE FOR ANY CONTENT SENT USING AND/OR INCLUDED IN AN TWFCU SITE/SERVICE BY ANY THIRD PARTY. IN NO EVENT SHALL TWFCU AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE TWFCU SITE/SERVICES, WITH THE DELAY OR INABILITY TO USE THE TWFCU SITES/SERVICES OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE TWFCU SITE/SERVICES, OR OTHERWISE ARISING OUT OF THE USE OF THE TWFCU SITE/SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF TWFCU OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE TWFCU SITES/SERVICES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE TWFCU SITE/SERVICES.

Termination/Access Restriction
Transit Workers FCU reserves the right, in its sole discretion, to terminate your access to Transit Workers FCU Site/Services and the related services or any portion thereof at any time, without notice. Transit Workers FCU may also terminate or suspend your access to Transit Workers FCU 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 Transit Workers FCU. The amount of time that Transit Workers FCU currently considers as an “extended” period of time may be viewed in the FAQ relating to the particular service. Upon termination of Transit Workers FCU Site/Service, your right to use Transit Workers FCU Site/Service immediately ceases. Transit Workers FCU shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Language
It is the express will of the parties that this agreement and all related documents have been drawn up in English. C’est la volont é expresse des parties que la présente convention ainsi que les documents qui s’y rattachent soient rédigés en anglais.

General
The laws of the State of Pennsylvania, U.S.A, govern this agreement. You hereby irrevocably consent to the exclusive jurisdiction and venue of courts in Pennsylvania, U.S.A. in all disputes arising out of or relating to the use of Transit Workers FCU Site/Services. Use of Transit Workers FCU Site/Services is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Transit Workers FCU as a result of this agreement or use of Transit Workers FCU Site/Services. You agree to indemnify and hold Transit Workers FCU, its parents, subsidiaries, affiliates, officers and employees, harmless from any claim, demand, or damage, including reasonable attorneys’ fees, asserted by any third party due to or arising out of your use of or conduct on Transit Workers FCU Site/Services. Transit Workers FCU reserves the right to disclose any personal information about you or your use of Transit Workers FCU Site/Services, including its contents, without your prior permission if Transit Workers FCU has a good faith belief that such action is necessary to: (1) conform to legal requirements or comply with legal process; (2) protect and defend the rights or property of Transit Workers FCU or its affiliated companies; (3) enforce the terms or use; or (4) act to protect the interests of its members or others. Transit Workers FCU’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Transit Workers FCU’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of Transit Workers FCU Site/Services or information provided to or gathered by Transit Workers FCU with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed supers eded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and Transit Workers FCU with respect to Transit Workers FCU Site/Services and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Transit Workers FCU with respect to Transit Workers FCU Site/Services. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.

Privacy Policy

Transit Workers Federal Credit Union is a member owned financial institution providing you with competitive financial products and services that will enable you to meet your financial goals. We are equally committed to safeguarding your confidential information and protecting your privacy. This privacy policy informs you of what we do to protect your information and also some steps you can take to protect your personal and financial information.

Information We Collect
We collect a variety of nonpublic personal information about you from the following sources:

1. Information we receive from you on applications or other forms
2. Information about your transactions with us or others
3. Information we receive from a consumer reporting agency
4. E-mail and electronic information sources
5. Information we receive from marketing surveys to provide new benefits and services

Disclosure To Parties that Provide Services
The Credit Union uses a variety of third party vendors to assist in offering competitive products and services to our members. We may disclose all of the information we collect to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements.

How We Protect Your Personal and Financial Privacy
This Credit Union will partner only with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We will not continue a relationship with any third party vendor who violates this policy. We may disclose nonpublic personal information about you to the following types of third party vendors:

• Financial service providers, such as companies providing mortgage or insurance services.
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft and other printers, plastic card processors and government agencies.

Although we may be permitted by law to disclose certain information about our members, the Credit Union will not disclose that information if we determine it does not contribute to your financial interests. We will disclose information with your consent or if required by law.* (See Special Notices) If you decide to terminate your membership or you become an inactive member, we will continue to adhere to the privacy policies and practices as described in this notice. Per Regulation V, also known as the FACT ACT, the Credit Union may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that meet or exceed federal regulations to guard your nonpublic personal information.

Special Notices
In accordance with Section 326 of the USA Patriot Act*, you authorize us to verify and record information that identifies each person who opens an account. You further authorize us to check your account, credit, and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for any account or services you request.

We do not collect personal identifying information about visitors to our site, except as described below. Our servers collect standard non-identifying information about our visitors to the site, such as date and time visited, IP address, city, state, and country. This information is used to compile standard statistics on site usage. The Credit Union may use your e-mail address to send you important information relating to your account, to communicate with you to handle your request, and to inform you about other Credit Union products and services. Information you have provided to us will not be sold or transferred to other parties.

Disclosure Of Information Practices With Regard To Children
As Required By The Children’s Online Privacy Protection Act Personal information such as the name, address, e-mail address, telephone number, social security number, persistent identifier, or combination of various identifying elements, of children under the age of thirteen is not collected by Transit Workers Federal Credit Union. If a child elects to send e-mail or other electronic request to the Credit Union, we may respond to that e-mail or request. However, the e-mail address of the child will be deleted and no personal information will be collected, stored or disclosed.

What You Can Do To Help
We are committed to protecting the privacy of our members. You can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the Credit Union and asks for your account number, you should be aware that official credit union staff would have access to your information. They will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
• Let us know if you have questions. Please do not hesitate to call the Credit Union, we are here to serve you!

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