This Agreement is the contract that covers your and our rights and responsibilities concerning CUe-Branch Internet Banking Services offered to you. The words "you" and "yours" mean those who complete the CUe-Branch application on line. The words "we", "us", and "our" mean Sixth Avenue Baptist Federal Credit Union (SABFCU) located at 1101 Martin Luther King, Jr. Dr. S.W., Birmingham AL, phone number 205-322-6654.
By completing the CUe-Branch online registration, you agree to the terms and conditions governing your and our rights and responsibilities concerning the CUe-Branch electronic funds transfer service. Electronic funds transfers (EFT) are electronically initiated transactions involving your deposit and loan accounts at the Credit Union through your personal computer.
You must be a member in good standing and agree to the terms and conditions of Sixth Avenue Baptist Federal Credit Union's CUe-Branch Agreement and Disclosure.
To use CUe-Branch, you need a computer with a modem, Internet access and a web browser that supports 128-bit encryption (such as Google Chrome; or Safari). CUe-Branch is best viewed with Google Chrome or Safari. If your computer is a Mac and you are having problems accessing your account using Safari, it is suggested that you download Google Chrome's latest version and attempt access.
SABFCU is committed to providing the most secure Internet service. When you interact with SABFCU on this secure site, all the information is encrypted or encoded. Encryption is a procedure for turning plain text or other information into an unrecognizable pattern of data. 128-bit encryption is the strongest form of Web browser encryption commonly available for use on the Internet, and you must use a browser that supports 128-bit encryption to access your accounts.
You are responsible for the set-up and maintenance of your computer and modem. We are not responsible for any errors or failures from any malfunction of your computer or any virus or other problems related to the use of the Internet Banking Services.
If you have a Voice Response confirmed PIN, you may register online by going to our website www.sixthavebaptistfcu.org, click on CUe-Branch and follow the instructions. If you do not meet the requirements, or do not have a Voice Response confirmed PIN, your access will be canceled. You may contact a member services representative at 205-322-6654 for further assistance.
Upon approval, you may use your personal computer to access your accounts. You must use your CUe-Branch user name and password to access your accounts.
CUe-Branch services are generally available 24 hours a day, 7 days a week, 365 days a year except for those times that the system is unavailable due to back-up procedures or maintenance. We are not liable under this Agreement for failure to provide access due to a system failure or due to other unforeseen acts.
We may modify, suspend, or terminate access to the CUe-Branch Internet Banking Services at any time and for any reason without notice.
You can use CUe-Branch to access all accounts that are linked to your social security number. At your request, you may remove access to any account or sub-account that has your social security number.
At the present time, you may use the following CUe-Branch services:
Your user name and password will be your CUe-Branch home signature and you can use it to access all accounts that are linked to your social security number. Members that are joint owners on other accounts will also have access to those accounts. At your request, you may remove access to any account or sub-account that has your social security number.
You are responsible for safekeeping of your user name and password. You agree not to disclose or otherwise make your user name and password available to anyone not authorized to sign on your accounts. If you fail to maintain the security of your user name and password and Sixth Avenue Baptist Federal Credit Union suffers a loss, we may terminate your CUe-Branch account services immediately. Revealing your user name and password will grant access to those accounts by unauthorized individuals.
To ensure the security of your CUe-Branch account, we will return you to the Log On screen if no activity has occurred within ten (10) minutes.
You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use your user name and password, you are responsible for any transactions they authorize or conduct on any of your accounts. However, tell us at once if you believe anyone has used your user name and password or accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For CUe-Branch transactions, if you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accessed your account without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or user name and password, and we can prove that we could have stopped someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00).
Also, if your statement shows CUe-Branch 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 be liable for the full amount of the loss if we can prove that we could have stopped someone from making the unauthorized transactions. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.
If you believe that someone has used your user name and password or has transferred or may transfer money from your account without your permission, call us at 205-322-6654.
Immediately change your password if you think it has been compromised.
Our business days are Monday through Friday, excluding holidays.
Currently there are no fees to use CUe-Branch. All standard fees (NSF, Stop Payment, etc.) set forth in our fees and charges schedule apply. SABFCU reserves the right to charge for CUe-Branch account access or transactions in the future. You will be given at least 30 days advance notice before SABFCU implements any changes to fees or adds any new fees for CUe-Branch service.
All of your CUe-Branch transactions will appear on your regular account statement. The Credit Union will not provide separate documentation of this activity. You may print the confirmation of each transaction from your computer screen for your records.
We will disclose information to third parties about your account or the transfers you make:
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:
You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your CUe-Branch services or password, breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or password.
You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.
CUe-Branch services may be terminated to those members that cause a loss to the Credit Union.
The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.
This Agreement shall be governed by and construed in accordance with all applicable federal laws and all applicable substantive laws of the State of Alabama where you opened your account and the By-laws of the Credit Union as they now exist or may hereafter be amended. You understand that we must comply with these laws, regulations, and rules. You agree that if there is any inconsistency between the terms of the Agreement and any applicable law, regulation, or rule, the terms of this Agreement will prevail to the extent any such law, regulation, or rule may be modified by agreement between us.
You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you.
In case of errors or questions regarding your CUe-Branch transactions, call us at 205-322-6654 or write to us at Sixth Avenue Baptist Federal Credit Union, 1101 Martin Luther King, Jr. Dr. S.W., Birmingham, AL 35211 as soon as you can. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared.
We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct the error promptly. For errors related to transactions occurring within thirty (30) days after the first deposit to the account (new accounts), we will tell you the results of our investigation within twenty (20) business days. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your complaint or question (ninety (90) calendar days for new account transaction errors, or errors involving transactions initiated outside the United States). If we decide to do this, we will re-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 our investigation. 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 re-credit your account. If it is determined 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.
By enrolling in CUe-Branch, you are automatically enrolled in electronic account statements from Sixth Avenue Baptist Federal Credit Union (hereafter referred to as SABFCU). This service is available to you at no cost, and will allow you to view your current and past account statements for all of your accounts on a secure website. As part of the registration process, please read the following Consent and Authorization and indicate your acceptance at the bottom.
In this Consent and Authorization, the words “I,” “Me,” and “My” mean each person who electronically signs below. The words “Account Number” mean the account number that I entered to access this Consent and Authorization. The word “Account” means any and all accounts held at SABFCU under the Account Number, including but not limited to accounts held under a suffix number, such as share, checking, savings, retirement, money market, certificate and loan accounts.
I understand that pursuant to My account and/or loan agreements with SABFCU, I may be entitled to receive periodic account statements in connection with My Account, such as savings account statements, and loan statements. By indicating My acceptance of these terms and conditions, I authorize SABFCU to discontinue sending Me such Account Statements via postal mail service for My Account and to instead deliver such Account Statements to Me electronically (“E-Statements”). I understand and agree that SABFCU will send Me an e-mail on an ongoing basis to My primary e-mail address, as indicated in CUe-Branch, notifying Me that My E-Statements are ready to be viewed on the WCU website. I understand and agree that I will no longer receive paper copies of My Account Statements.
I further understand and agree that: