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Legal Information

Disclaimer

The Credit Union takes reasonable measures to ensure the quality of the data and other information on this Web site. However, we provide no warranty, expressed or implied for the information available through this site. The use of the software is at the reader's own risk and the reader will not hold the parties involved in creating, producing or delivering this site liable for any loss, injury, claim, liability, or damage of any kind resulting in any way from:
  • Any errors in or omissions from the information;
  • The unavailability or delay of any information;
  • The use of the information or any conclusions derived from it, regardless of whether any assistance was received from any employee of the Credit Union; and
  • The content of the site, including anything caused by any viruses, bugs, or malfunctions.
This site provides relevant links to information outside the Credit Union as an additional resource for our users. However, we provide no warranty for the information, products, or services offered by any entity that is hyperlinked from this Web site.

This publication could include technical inaccuracies or typographical errors. The Credit Union is not liable for any direct or indirect technical or system issues or consequences arising out of your access to, or use of, third party technologies or programs linked to from the Credit Union's web site. Changes may be periodically made to this information.

Warranties

References to corporations, their services and products, are provided "as is" without warranty of any kind, either expressed or implied. In no event shall the Credit Union be liable for any special, incidental, indirect or consequential damages of any kind, or any damages whatsoever resulting from loss of use, data or profits, whether or not advised of the possibility of damage, and on any theory of liability, arising out of or in connection with the use or performance of this information.

Descriptions of, or references to, products, services or publications within the Credit Union's web site do not imply endorsement of those products, services or publications. The Credit Union makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. The Credit Union specifically disclaims all warranties, expressed, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

Online Service E-Sign Disclosure and Content

We may provide you with any Communications in electronic format, and that we may discontinue sending paper communications to you, unless and until you withdraw your consent as described below. Your consent to receive electronic communications and transactions includes, but is not limited to all disclosures and communications associated with the Account or the product or service available through the Online Service for your Account(s). We may send you a secure message or alert (if enrolled) to notify you of changes to the terms and conditions related to your Account(s) or the Online Service. This can include changes in privacy policy. This can also include other notices (including notices regarding your Account(s)) that we are permitted to provide electronically. This will also include any account statement or other communication that you have elected to receive electronically through enrollment in such service.

Communications that we provide to you in electronic form will be provided through our online service. You can withdraw your consent to receive account statements and other documents that you have enrolled to receive electronically by changing your preferences online. Other notices may continue to be delivered electronically as permitted.

All Communications in either electronic or paper format from us to you will be considered to be the equivalent of a written document. You should print or download for your records a copy of any information or notice that is important to you. We reserve the right, in our sole discretion, to terminate or change the terms and conditions on which we provide electronic Communications. If a change is made we will provide notification of such change.

A personal computer with internet access and a browser that is able to display webpages is required for to access Communications electronically. If you want to save and/or print your Communications, you will need a PDF viewer, sufficient storage, and a device capable of printing PDF documents.

Scheduled Unavailability

Online account access is unavailable from approximately 2:00 am to 5:00 am (Eastern) for scheduled processing. Longer or shorter times may occur.

Business Day

The Credit Union is open for business Monday - Friday excluding holidays.

Transaction Posting Times

Transfers made online will be immediately reflected in the "Current Balance" and "Available Balance" of the account screens for the respective deposit accounts. However, transfers will not actually be posted at that time. Accordingly, the actual transfers will not be reflected in the transaction history for the respective accounts until after posting at the end of the business day.

The Credit Union's business end of day (EOD) is 5:30 pm (Eastern), Monday through Friday, with the exception of holidays. Transactions occurring after this time will be included in the next business day (e.g., a transaction made at 6:00 pm (Eastern) on Monday the 5th, will be included in the business day of Tuesday the 6th; a transaction made on Friday the 9th at 8:00pm (Eastern) will be included in the business day of Monday the 12th). The Credit Union maintains the clock used to determine the time that a transaction has been requested.

Payments made to Visa accounts may take up to two business days to be posted to (or reflected on) your account; however, they will be credited effective the business day on which they were actually made. Additionally, all authorized but unposted ATM, VISA Check, POS, teller counter, automatic transfers, Internet transfers and touch-tone telephone transactions are reflected in the Current Balance. However, they are not reflected in the history for the respective account until after posting for that business day.

Time Frames for Processing Member Service Requests

Member Service requests for such items as check or statement copy requests and check reorders will be processed in as timely a manner as possible.

Member Service requests for Withdrawals by Check will be processed or responded to on the same business day received (by 5:30pm Eastern).

Member Service requests for Stop Payments will be processed or responded to on the same business day received (by 5:30pm Eastern).

Time Frame for Responding to Messages via Online Account Access

Your Message to the Credit Union is important and will be processed in as timely a manner as possible. However, responses may take several days depending upon the nature of your message and other incoming messages received.

Password Confidentiality

You are the key to safeguarding the confidentiality of your accounts. Your touch-tone telephone service PIN is used as a temporary password for enrolling in online account access. When you enroll in our online account access service, you will be asked to choose a new User ID and Password specifically for use with online account access only. Create a User ID and Password that you can easily remember, but would also be difficult for another person to guess. For example, it is not recommended that you use personal data such as phone number, social security number or date of birth for User ID or Password.

You can change your User ID and/or password as frequently as you desire while signed on to our online account access service. If you forget your Password, you may call the Contact Center at (888)732-8562 or (919)857-2150, to have your password reset.

Never share your online account access sign on information with anyone.

NO REPRESENTATIVE OF THE CREDIT UNION WILL EVER ASK FOR YOUR ONLINE ACCOUNT ACCESS PASSWORD. However, we may ask you for account related or other security questions to authenticate you during a phone call on an online session request.

Security of Online Account Access and the Internet

When you are using our online account access, you are using a secure site. The Credit Union is committed to online technology and has taken steps to ensure that accessing your accounts via the Internet is safe and secure, by implementing state-of-the-art security standards.

Additionally, we allow you to create your unique online User ID and Password. Your password is used to authenticate your identity each time you sign on, prior to viewing your information. The data passed from our internal server to your personal computer is encrypted to ensure confidentiality. Encryption prevents the data from being intercepted and/or viewed by an unauthorized third party.

During online account access enrollment, you will be asked to provide answers to multiple Security Questions. The answers you provide may be used to validate your identity when using the Credit Union's online account access service.

The Credit Union also utilizes firewalls that have been thoroughly tested by an independent consulting firm to ensure that we have taken every reasonable precaution to prevent unauthorized access. Additionally, each user session is established for a specific length of time. When the maximum time allotment has passed, the session automatically times out. This reduces the window of opportunity for an unauthorized user to access your account information should you leave your computer without first signing off.

During the design and development of the system, every effort was made to ensure that the system is as secure as possible.

The Credit Union is confident that your account access online is safe and that your account information remains confidential, as long as you utilize safe computing standards.

Your Responsibility to Prevent Unauthorized Access to Your Accounts

The Credit Union is confident that all of the necessary security precautions have been taken to ensure the security of our online account access and your account information. However, it is also your responsibility to play an active role in protecting the security of your accounts. Ways to protect yourself and your accounts:
  • Never share your online account access sign on information with anyone.
  • We recommend changing your Password on a regular basis.
  • Change your Password immediately if you believe it may have been compromised.
  • Never leave your computer during an active online session.
  • Sign off immediately upon finishing your online session.
  • Clear your browser's cache/temporary internet files after leaving our site.
  • Use a browser with 128-bit, U.S. security level encryption.
  • Maintain suitable firewall, anti-virus and anti-malware software and keep it up to date.
  • Do not use public workstations to access your online accounts.

Variance of the Online Account Access Screens

The appearance of information displayed on the online account access screens, as well as some functionality, may vary on different computers. Variance of the appearance and function depends on factors including, but not limited to; monitor size, browser, browser version, etc.

Clearing Your Cache/Temporary Internet Files

After signing off of online account access, it is advisable to clear your browser's cache (also called temporary internet files). Clearing these files helps to prevent someone else from accessing this information stored on your computer. For instructions on how to clear your cache/files, refer to the instructions provided in your browser's online help.

CREDIT UNION ONLINE ACCOUNT ACCESS DISCLOSURE STATEMENT

You may obtain a printed copy for your records by submitting a written request to:

Credit Union Online Services
PO Box 26807
Raleigh, NC 27611-6807


Please include your name and mailing address in your request.

Types of Available Transfers and Limits on Transfers

Online Account Access Features
  • Obtain balances and other account details
  • Conduct transfers between accounts
  • Request withdrawals of funds
  • Review account activity including, at minimum, the past 90 days
  • Download selected transactions from accounts to personal financial management software including Quicken®.

Transfer Limitations

There is no limit on the number of transfers from your checking account, whether they are made in person, by ATM, by mail, by electronic transfer or to make payments on Credit Union loans.

Federal regulations limit electronic transfers from your share account to a maximum of six transfers per calendar month if the transfer is to another of your Credit Union share accounts or to a third party by means of a preauthorized, automatic, telephonic (Touch-Tone telephone system or oral), or online account access instruction.

The functions and limitations of the online account access service may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership. The Electronic Fund Transfer Act and Regulation E require disclosure of the following information relating to Electronic Fund Transfer:

Unauthorized Transfer Liability Disclosure

By applying for online account access, you agree to accept responsibility for protecting the integrity of your Password, in order to prevent unauthorized transactions and/or account access. You also agree that the Credit Union may revoke online account access if unauthorized account access and/or transactions occur as an apparent result of your negligence in safeguarding the Password. Further, you agree that, if the Credit Union is notified that you have included the Credit Union in the filing of a petition of bankruptcy, the Credit Union may revoke or refuse to grant you Internet access to your account.

Notify us AT ONCE if you believe your account has been accessed without your authority. The best way to minimize your possible loss is to telephone, although you may advise us in person, in writing, or via the Internet service. If you do not notify us, you could lose all the money in your account (plus your maximum line of credit amount). If you tell us within two (2) business days after learning of 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 funds transfer you did not make or authorize to be made, advise us at once. If you do not tell us within 60 days after the first statement which reflected the unauthorized transfer was mailed to you, you may not get back any money you lost after the 60 days, provided 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.

Address and Telephone Numbers

If you believe unauthorized access occurred on your account, that your online account access Password has been stolen, or that someone has transferred or may transfer money from your account by accessing your account without your permission, contact the Contact Center immediately at (888)732-8562 or (919)857-2150.

or write:

Credit Union Online Services
PO Box 26807
Raleigh, NC 27611-6807


Business Days

Our business days are Monday through Friday, excluding holidays.

Periodic Statement Documentation

Monthly statements are issued for all accounts, these can be paper or electronic based on your e-statement enrollment preference. Additionally, members can view transaction activity online. The amount of data that is available is determined by the Credit Union and may change from time to time.

Transaction Fee Documentation

The Credit Union does not charge for electronic funds transactions initiated via the Internet or the right to access your account via our online account access. The Credit Union reserves the right to charge for online account access services. You will be given at least 21 days advance notice before the Credit Union implements any changes or fees for any online account access-related service.

Liability for Failure to Make Transfers

If the Credit Union does 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, the following exceptions may apply:
  • If, through no fault of ours, enough funds are not available to complete the transfer, either in your account or through Overdraft Protection.
  • If the funds in your account are subject to legal process, such as garnishment or attachment, or if the account is subject to a pledge or security agreement.
  • If despite reasonable precautions that we have taken, circumstances beyond our control (such as fire, power failure, flood or failure of paying agency to deliver direct deposit payment data) prevent the transfer.

Account Information Disclosure

We will disclose information to third parties about your account or the transactions you make:
  • If we return checks on your account drawn on insufficient funds or if we are unable to complete an electronic transfer because of insufficient funds.
  • When it is necessary for completing transfers.
  • In order to verify the existence or conditions of your account for a third party, such as a credit bureau or merchant.
  • In order to comply with government agency or court orders.
  • If you give us your written permission.
  • Please see the Privacy Policy at the bottom of our online access pages for additional information.

In Case of Errors or Questions about Your Electronic Transfers

If you believe your statement or account history is wrong or if you need more information about a transaction listed on the statement or account history, we must receive notification within 60 days after the FIRST statement on which the problem or error appeared is generated.

Contact us by telephone at (888)732-8562 or (919)857-2150.

or write:

Credit Union Online Services
PO Box 26807
Raleigh, NC 27611-6807


The following information will be required:
  • Full name, as listed on your account
  • Account number
  • Detailed description of the error or transaction
  • Detailed explanation of why you believe the item in question is an error or why more information is needed.
  • Dollar amount of the suspected error
If notification is verbal, we may require that your complaint or question be submitted in writing within ten (10) business days. You will be contacted with the results of our initial research within ten (10) business days of your notification. Errors will be promptly corrected.

Should additional time be needed for us to complete our research, you will be notified of such and up to 45 days should be allowed. A "provisional credit" of the amount that is believed to be in error will be issued to your account within ten (10) business days. The provisional credit will remain in the account during the 45 day research period. A provisional credit may not be issued if requested written notice is not received within the ten (10) business day allowance.

If the result concludes an error has not occurred, the credit will be then be reversed and debited from the account. In addition, a written explanation will be mailed to you within three (3) business days after the completion of our research. You may request copies of the documents used in our research.

Related Links

*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.