Please read the following
disclosure for Great Lakes First Federal Credit Union's Internet Banking.
Once complete, please click the button at the bottom to accept the terms
and conditions of this disclosure to continue to the Home Banking login.
Great
Lakes First Federal Credit Union , Internet
Banking
END USER AGREEMENT
INTRODUCTION
Great Lakes First Federal Credit Union, Symitar Internet Teller is provided as a service of Great Lakes First Federal Credit Union and permits access to member account information and, upon request, allows account transactions to be conducted. You are subject to the rules and regulations governing the general use of those accounts. When you use Internet Teller or authorize others to use it, you agree to the terms and conditions of this agreement. Your use of Internet Teller may also be affected by the agreements you already have with us. If you use these services or borrow from an existing line of credit you have with us, you will be reaffirming the terms previously disclosed to you.
For more information about your accounts with GLFFCU, refer to our "membership agreement and disclosures" which has been previously provided to you. If you have misplaced that agreement, please call the credit union and we will provide you with another.
INTERNET BANKING SERVICES
What you will need: You will need a computer, an Internet account and compliant browser software to use Internet Teller. The installation, maintenance, and operation of those items are your responsibility. We are not responsible for any errors or failures of your computer equipment or Internet connection software. Internet Teller can be used 24 hours a day, seven days a week unless system maintenance or malfunctions make it unavailable. The Internet address for Internet Teller is https://www.shareteccu.com/greatlake. At the present time, you may use Internet Teller to:
Transfer funds; review account balances and transaction history; change password, and review loan information.
From time to time, we will announce additional services, which are available through Internet Teller. 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.
Great Lakes First Federal Credit Union and any other entities involved in the design, development or operation of Internet Teller are not responsible for loss, expense, injury, cost or damage resulting from any access obtained to account information or any transaction conducted on any account.
INTERNET BANKING SERVICE LIMITATIONS
Internet Teller Limitations: The following limitations on Internet Teller apply:
Transfers: You may make funds transfers to your other accounts as often as you like. You may transfer or withdraw up to the available balance in your account, except as limited under this agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, or lower an account below a required balance. The credit union may set other limits on the amount of any transaction and you will be notified of those limits.
Account Information: The account balance and transaction history information may be limited to recent account information involving your accounts. Also, per Regulation CC and the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions and our Funds Availability Policy.
E-mail: You may use the e-mail to send messages to us. E-mail may not, however, be used to initiate a transfer on your account or a stop payment request. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at (906) 786-4623.
SECURITY OF ACCESS CODE
Initial Access: Contact the Credit Union for information on how to receive your initial password. You will use the initial password the very first time you log on to Internet Teller. After successfully accessing Internet Teller you will be prompted to change your password. We suggest for security purposes that you use at least a six digit alphanumeric password, utilizing both Capital letters and small letters. You may change your password at anytime by selecting the appropriate function from the menu within Internet Teller.
Security: The personal identification number or PIN that you select is for your security purposes. The PIN is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make your PIN available to anyone not authorized by you to sign on your accounts. If you authorize anyone to have or use your PIN, you understand that person may use Internet Teller to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your PIN and you agree that the use of your PIN will have the same effect as your signature authorizing transactions.
Authorization: If you authorize anyone to use your PIN in any manner, that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your PIN immediately. You are responsible for any transactions made by such person until you notify us that transactions and PIN by that person are no longer authorized and your PIN is changed. If you fail to maintain or change security of the PIN and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.
Member Liability: You are responsible for all transfers you authorize using Internet Teller under this agreement. If you permit other persons to use your PIN, 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 PIN and accessed your accounts without your authority. Telephoning is the best way of keeping your possible losses down. For Internet Teller transaction, if you tell us within two (2) business days, you can lose no more than $50 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 PIN, and if we can prove that we could have stopped someone from using your account or PIN without your permission, if you had told us, you could lose as much as $500. Also if your statement shows Internet Teller 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 hospital stay) kept you from telling us, we may extend the time periods. If you believe your PIN has been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activating on your account, notify the Credit Union immediately. We can be reached at (906) 786-4623, (906) 428-2363 or write us: 2110 Third Avenue North, Escanaba, MI 49829.
Fees & Charges: There are currently no fees for accessing your accounts through Internet Teller. We reserve the right to impose/change the fee amount, if necessary, after providing 30 days notice to all users. We do not have any control over fees implemented by your Internet provider.
Business Day: Our business days are Monday through Friday except Federal holidays.
Transaction Documentation: All transactions processed through Internet Teller will be recorded on your periodic statement. If there is activity on the account you will receive a monthly statement. In the event that that there is no activity on the account, a quarterly statement may be sent.
Account Information Disclosure: We will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated on our website at: www.glffcu.com. However, we may disclose information to third parties about your Internet Banking transfers you make in the following limited circumstances.
As necessary to complete transfers; To verify the existence of sufficient funds to cover specific transactions upon the authorization request of a third party merchant; To comply with government agency or court orders; or if you give your express permission.
Limitation of Liability for Internet Teller: If we do no 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. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss, property damage or loss, whether caused by the equipment, software, Credit Union, or by Internet browser providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use or maintenance of the equipment, software, Internet Teller services or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Internet Teller and may have referred to such communication as secure, we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:
If, through no fault of ours, you do not have enough money in your account to make the transfer or your account is inactive.
If you used the wrong PIN or you have not properly followed any applicable computer, or Credit Union user instructions for making transactions.
If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction.
If circumstances beyond your control (such as fire, flood, telecommunication outages or strikes or equipment or power failure), prevent the transaction from being processed.
If the funds in your account are subject to an administrative hold, legal process or other claim.
If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.
If an error was caused by a system beyond the Credit Union's control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by the Credit Union.
If there are other exceptions as established by the Credit Union.
Indemnification: Except to the extent that we are liable under the terms of this agreement or an agreement that otherwise governs your account, if you are an owner of an account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an account or the performance of an online service. This indemnification is provided without regard to whether our claim for indemnification is due to the use of Internet Teller by you or your authorized representative.
Termination of Internet Teller: You agree that we may terminate this agreement and Internet Teller, if you, or any authorized user of Internet Teller or PIN 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 PIN or if you conduct or attempt to conduct any fraudulent, illegal or unlawful transaction, or if we reasonably believe your account conduct poses an undue risk of illegality or unlawfulness. 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 transaction(s) initiated before termination.
Notices: The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will notify you at least twenty-one (21) days before the effective date of any change as required by law. This means we will mail you notice. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.
Statement Errors: In case of errors or questions about Internet Teller transactions, contact us by: telephone at (906) 786-4623 or write us at: 2110 Third Avenue North, Escanaba, MI 49829 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 appears.
Tell us your name and account number.
Describe the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will tell you the results of our investigation within ten (10) 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 account), we will tell you the results of our investigation within twenty (20) 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 we decide after our investigation that an error did not occur, we will deliver or mail to you an explanation of our findings within three (3) business days after the conclusion of our investigation. If you request, we will provide you copies of documents (to the extent possible without violating other members rights to privacy) relied upon to conclude that the error did not occur.
Enforcement: 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. This agreement shall be governed by and construed under the laws of the state of Michigan as applied to contracts entered into solely between residents of and to be performed entirely in such state. In the event either party brings legal action to enforce the agreement or collect any overdrawn funds on accounts accessed under this agreement, the prevailing party shall be entitled, subject to Michigan law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions if applicable. Should any one or more provisions of this agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this agreement.
Cookies: Any information that we collect is stored using a cookie that is placed on your computer. We do NOT use this cookie to collect or store personally identifiable information about you. However, the cookie is used to track information about how you interact with our website. It also allows our website to be customized to meet your interests.
Children's Online Privacy: The law requires parental consent to collect or use information from a child under 13. If you are a child under 13, please show this to your parents and do not use the online services of this institution without verifiable parental consent pursuant to the Children's Online Privacy Protection Act.
YOUR ABILITY TO WITHDRAW FUNDS
This policy statement applies to "transaction"accounts. Transaction accounts, in general, are accounts that permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your accounts might also be under this policy.
Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use he funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If you make a deposit at an ATM before 5:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 5:00 P.M. on a day we are not open, we will consider that the deposit was made on the next business day we are open.
If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it.
If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.
LONGER DELAYS MAY APPLY
Case-by-case delays In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check you deposit, funds may not be available until the fifth business day after the day of deposit. The first $100 of your deposits, however, may be available on the first business day.
If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
Safeguard exceptions In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:
We believe a check you deposit will not be paid.
You deposit checks totaling more than $5,000 on any one day.
You redeposit a check that has been returned unpaid.
You have overdrawn your account repeatedly in the last six months.
There is an emergency, such as failure of computer or communications equipment
We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
ELECTRONIC FUND TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES
Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference.
Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when the merchant posts a sign informing you of their policy. In all cases, the transaction will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to:
Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your share draft, share savings, or club account(s).
Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft or share savings account(s).
Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box.
Electronic returned check or draft charge. Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds.
Audio Teller Telephone Transfers - types of transfers -You may access your account by telephone at (906) 786-1105, (906) 786-1129 or (888) 786-4623 using your personal identification number, a touch tone phone, and your account numbers to:
Get information about:
Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your ATM card or MasterMoney Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM card or MasterMoney Debit Card and/or code to $50.00 per day or some other amount acceptable to us.
ATM Transfers - types of transfers, dollar limitations, and charges -You may access your account(s) by ATM using your ATM card and personal identification number or your MasterMoney Debit Card and personal identification number, to:
Some of these services may not be available at all terminals.
Types of ATM/Point-of-Sale Transactions - You may access your share draft account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.
ATM/Point-of-Sale Transactions - dollar limitations - Using your ATM card:
Types of MasterMoney Debit Card Transactions - You may access your share draft account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept.
MasterMoney Debit Card Transactions - dollar limitations - Using your debit card:
Minimum account balance -
Currency Conversion - If you effect a transaction with your MasterMoney Debit Card in a currency other than US Dollars, MasterCard International Incorporated will convert the charge into a US dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. Currently, the conversion rate used by MasterCard International to determine the transaction amount in US dollars for such transactions is generally either a government mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, plus 1%. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.
Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.
Internet Teller Computer Transfers - types of transfers - You may access your account(s) by computer at https://www.shareteccu.com/greatlakes and using your password and your account numbers to:
FEES
Except as indicated elsewhere, we do not charge for these electronic fund transfers.
ATM Operator/Network Fees When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)