NEW USER REGISTRATION

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 ELECTRONIC FUNDS TRANSFERS

  1. General. The following terms and conditions cover your and our rights and responsibilities concerning electronic fund transfer (EFT) services offered to you by Credit Union. In this Agreement, the words “you” and “yours” mean those who sign the application as applicants, joint account owners or any authorized users. The word “account” means any one or more deposit accounts you have with the Credit Union. By signing the account card or signing or using a VISA Debit Card, ATM Card or Tele-Max (audio response) Service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments. Electronic funds transfers (“EFTs”) are electronically initiated transfers of money through direct deposits, automated teller machines (“ATMs”) Tele-Max (audio response) transactions, and VISA Debit Card purchases involving your deposit accounts at the Credit Union.
     
  2. Services.
    1. VISA Debit Card.
      You may use your card and Personal Identification Number (“PIN”) in ATMs of the Credit Union, The CO-OP Network, Alaska Option, STAR, PLUS, VISA point-of-sale terminals and such other machines we may designate. At the present time, you may use your card to make the following transactions on your accounts:
      1. Make withdrawals of cash from primary savings or checking accounts;
      2. Make deposits to your primary savings and checking accounts at deposit-taking ATMs;
      3. Transfer funds between your primary savings and checking accounts; and
      4. Obtain balance information on your primary savings and checking accounts.
      Funds to cover your card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may treat the transaction as an overdraft request pursuant to the overdraft protection plan or may terminate all services under the Agreement.
       
    2. Non-VISA Debit Transactions.
      Some merchants may permit you to initiate debit and bill payment transactions with your card using either the VISA network or another network shown on your card, such as The CO-OP Network, Alaska Option, STAR, and PLUS networks. The Credit Union will honor your debit transactions processed by any of these networks.

      Transactions processed over the VISA network do not require you to use your PIN to validate the transaction. Generally, you will sign a receipt, provide your card number (e.g. internet, mail, or telephone transactions), or swipe your card at a terminal. Also, there are certain protections and rights such as the zero liability protections in the section Member Liability, applicable only to VISA processed transactions.

      Transactions processed over other networks may not require you to use your PIN in order to validate a transaction. Generally, you enter your card number or swipe your card and provide or enter a PIN. However, some merchants may not require you to provide a PIN, and allow you to choose whether the transaction is processed by VISA or another network. Provisions applicable only to VISA transactions (such as VISA’s zero liability protections) will not apply to non-VISA debit transactions and the liability rules for other EFTs in the section titled “Member Liability” will apply.
       
    3. Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or of Federal recurring payments, such as Social Security.
    4. Tele-Max (Audio Response) and E-Max (Online Banking) Access. Once we have approved access to your accounts through the Tele-Max (audio response) service, or E-Max access, you will choose a code of 6-16 characters including one upper case, one lower case and at least one number. At the present time you may use the Tele-Max (audio response) service, and E-Max to perform the following transactions:
      1. Obtain balance information from your savings, checking, or certificate/IRA accounts and loan accounts, including VISA.
      2. Transfer funds between these same accounts (except certificates/IRAs) and accounts of other members that you authorize.
      3. Make loan payments to any of your loan accounts, including VISA.
      4. Withdraw funds from savings or checking accounts by check, made payable to you and mailed to you at your mailing address.
      5. Access your Timeline and Visa Accounts (loan advance withdrawals will be subject to the Agreement governing the account).
      6. Verify certain account information, including if a particular check has cleared your checking account, the date of your last payroll deposit, loan payment and loan payoff amounts.
      7. Make bill payment transfers through the E-Pay bill payment service within E-Max.
      8. Obtain transaction history on your checking, savings and loan accounts (up to the last 95 transactions).
      9. Obtain tax information on dividends earned, interest paid, or IRA contributions from your accounts.
      10. Submit stop payment orders on checks drawn on your account through E-Max.
      11. Aggregate information from all online financial accounts, and electronically transfer funds between your WECU® accounts and any of your accounts at other financial institutions through the Money HQ service within E-Max.
      12. Designate the application of funds in your accounts from your paycheck deposits received by ACH.
      13. Request cashier’s checks be issued from funds withdrawn from your checking or savings account.
         
  3. Service Limitations.
    1. ATM Machines.
      1. Withdrawals. You may make up to fifty (50) cash withdrawals in one day at WECU® and non-WECU® ATMs. This limitation is inclusive of debit purchase transactions you make with your card. The amount of any transaction is limited to $500 each day if you have available funds in your account. Any charges applicable to cash withdrawals are set forth on the Rate, Fee and Service Charge Schedule.
      2. Deposits. The servicing and processing schedule time of automated teller machines may result in a delay between the time a deposit is made and when it will be available for withdrawal. You should refer to the Credit Union’s funds availability schedule.
    2. Visa Debit Card. You may make up to fifty (50) debit purchases in any one day at participating merchants and POS terminals. This limitation is inclusive of ATM transactions you make with your card. The amount of any transaction is limited to $1,500 each day if you have available funds in your account. You may not use the Debit Card or account for any illegal or unlawful transaction, and we may decline to authorize any transaction we believe may be illegal or unlawful. You agree that we have no liability for your use of the debit card or account for any illegal or unlawful transaction.
    3. Tele-Max (Audio Response). Your accounts can be accessed using audio response via a touch-tone telephone only. Not all push-button phones are touch-tone. Converters may be purchased for pulse and rotary dial phones. Tele-Max is available for your convenience seven (7) days per week. This service may be interrupted for a short time each day for data processing. While there is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day, there are certain limitations on transfers from a savings or daily income account. Transfers from a savings or a daily income account to a check account will be limited to six (6) in any one month. No transfer or withdrawal may exceed the available funds in your account. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. Check transactions may not exceed the amount in your account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There is no limit on the number of transaction requests you may make during a single phone call.
    4. E-Max (Online Banking). The following limitations on E-Max transactions may apply:
      1. Transfers. You may make funds transfers to your other accounts as often as you like. However, transfers from your savings or money market accounts will be limited to a total of six (6) in any one month. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, 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, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks payable to you as a primary member and will be mailed to your postal address of record. The Credit Union may set other limits on the amount of any transaction and you will be notified of those limits.
      2. Account Information. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, 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.
    5. E-Pay (Electronic Bill Payments). When you apply for the E-Pay bill payment service you must designate a single Checking account as the account from which payments that you authorize will be deducted. You may not pay bills from any other account. You will be given the ability to set up merchants, institutions or individuals that you would like to pay. You are not permitted to designate payees outside the U.S., tax entities, collection agencies, and court ordered payments such as alimony, child support, speeding tickets, etc. We reserve the right to not allow the designation of a particular merchant or institution.

      You or any persons who you have authorized to use your E-Max service, sign-on password and access code can perform bill payment transactions, including paying any designated merchant, institution or individual in accordance with this agreement a fixed recurring amount or a variable amount “on demand,” from your designated Checking Account and obtaining information (payee information, payment status information, etc.) about your E-Pay account status.
      1. E-Pay Transactions. You authorize us to process E-Pay bill payments from your designated checking account. You may use the E-Pay service to initiate three different types of payment transactions:
        1. “Today.” If you designate a payment or transfer as a “Today” transaction, the scheduled initiation date will be the next business day. However, sufficient funds must be available on the day and at the time you request the “Today” transaction. “Today” Bill Payments and Transfers may not be canceled for any reason once you have ended an E-Pay session, as funds are immediately deducted from your designated account.
        2. “Future.” If you designate a Bill Payment or Transfer as a “Future” transaction, you may request the transaction to be made on a future date that you may designate up to 364 days in advance of the Scheduled Initiation Date. The processing date will be the effective date you entered, or the next business day should the effective date fall on a weekend or holiday. Sufficient funds must be made available by midnight of the night before the processing date, but will be deducted from your designated account on the Scheduled Initiation Date. “Future” transactions may be canceled or changed until 12:00 midnight of the night before the Scheduled Initiation Date.
        3. “Recurring.” If you designate a Bill Payment or Transfer as a “Recurring” transaction you may request, and the Credit Union will use, a Scheduled Initiation Date that reoccurs on a specified regular basis (i.e., weekly, bi-weekly, monthly, etc.) you will designate a “start” and “end” date. Sufficient funds must be available by midnight of the night before the Schedule Initiation Date, but will be deducted from your designated account on the Scheduled Initiation Date. “Recurring transactions may be cancelled or changed until 12:00 midnight of the night before the Scheduled Initiation Date.
      2. Authorized Payments. When you transmit an E-Pay instruction to us, you authorize us to transfer funds to make the E-Pay transaction from your Checking account. We will process E-Pay transfer requests only to those payees the Credit Union has designated in its User Instructions and such payees as you authorize and for whom the Credit Union has the proper payee code number. The Credit Union will not process any E-Pay transfer if we know the required transaction information is incomplete. In any event, the Credit Union will not be liable for any transaction that contains incorrect information that the Credit Union was not responsible for entering or knowing. If there are insufficient funds in your account to make the E-Pay request, we may either refuse to make the payment or make the payment and transfer funds from any overdraft protection account you have established. The Credit Union reserves the right to refuse to process payment instructions that reasonably appear to the Credit Union to be fraudulent or erroneous.
      3. Processing Payments. Bill Payments you make through E-Pay will be deducted from your  designated funding account. You may utilize E-Pay to make Bill Payments to a maximum of up to 45 payees. Any payee you wish to pay through E-Pay must be payable in U.S. Dollars and located in the United States. Each payee name must appear on the payee list you create with us and the account you are paying with must be in your name. You may not use E-Pay to make payments to a federal, state or local governmental or tax unit, or to other categories of payee that you establish from time to time.

        Funds must be taken out of your designated funding account on the Scheduled Initiation Date entered by you. In many cases, your Bill Payments are electronically delivered to the payee within two business days of the Scheduled Initiation Date. However, some payees are not set up to accept electronic payment. In these cases, a check will be sent, which may take five business days to process and deliver to the payee. The E-Pay service will provide an indication of how many days to allow for each payee you designate.

        You must allow sufficient time (2 or 5 business days, as indicated) for E-Pay to receive your request and process the Bill Payments so that the funds can be delivered to the payee before the payment due date, or for mortgage payments, on or before the due date (the due date shown on your invoice or provided in your agreement with the payee, not taking into account any grace period provided by the payee). If you do not allow sufficient time, you will assume full responsibility for all late fees, finance charges, or any other actions taken by the payee, or was received late, we will assume responsibility.

        If your E-Pay bills are inactive for sixty (60) days, your bills will be deleted.
      4. Transfers.
        1. (a) Transfers between Accounts at Other Financial Institutions. Transfers between your Credit Union account and account(s) held at other financial institutions are accomplished through an automated clearing house (ACH) debit against the account funds are being transferred from and an ACH credit to the account(s) funds that are being transferred to. In order to be accessible by E-Pay, accounts maintained at the other financial institutions (foreign accounts) must be either a checking or savings account and must be your accounts. You must provide the name of the financial institution, the account number, and a transit-routing number. Funds from these transfers will be available for withdrawal in accordance with the funds availability policy of the institution(s) holding the account that received the funds. Generally, the account holding institution will receive the funds no later than four business days following the Scheduled Initiation Date. For “Today” Transfers made during a session, you must schedule the transaction as a “Today” Transfer before 3:00 pm on a Credit Union business day for the Scheduled Initiation Date to be that day. Otherwise, “Today” Transfers scheduled after 3:00 pm, or on a weekend or holiday will have a Scheduled Initiation Date of, and thus will be initiated on, the following Credit Union business day. To transfer funds between two financial institutions other than the Credit Union, you must transfer funds from one institution into a designated funding account at the Credit Union and then transfer funds from your Credit Union designated funding account to the second institution.
        2. Transfers between Credit Union Accounts. You may designate multiple accounts at the Credit Union between which you may transfer funds electronically through E-Pay. All these accounts must be in your name. Although you receive immediate provisional credit upon completion of your E-Pay session for “Today” transfers made during that session, you must make transfers before 9:00 a.m. on a banking day for those funds to be posted on an account that day and made available for non-E-Pay transactions. Transfers designated as “Today” transactions made after 9:00 a.m., or on a weekend or holiday, will be available for the payment of non-E-Pay transactions on the following banking day. “Today” transfers cannot be canceled. Transfers designated as “Future” or “Recurring” transactions will be processed by 9:00 a.m. of the Scheduled Initiation Date for provisional credit (i.e., for E-Pay Bill Payments, and cash withdrawals at ATMs or banking centers), and will post and be available by the next banking day for payment of non-E-Pay transactions. If the Scheduled Initiation Date falls on a weekend or holiday, the transfer will occur on the next banking day. Future-dated transfers may be changed or cancelled until 12:00 midnight of the night before the processing date.
      5. Limitations on E-Pay Services. There is a dollar limit of $5,000 (or the available balance in your designated funding account on any payment or transaction. All Bill Payments and Transfers initiated through E-Pay are subject to there being sufficient funds available in the affected account to cover the transfer on the Scheduled Initiation Date or earlier.
      6. Canceling or Changing Payments. Payments designated as “Today” transactions cannot be stopped, canceled, or changed once your E-Pay session is terminated. Except as stated below, in order to request a stop payment or change an E-Pay transaction designated as “Future” or “Recurring,” you must use E-Pay and follow the instructions provided to you. You must cancel the payment or transfer using E-Pay by 12:00 midnight of the day before the scheduled processing day.

        You understand we will only accept a verbal or written notice to stop an E-Pay transaction if it related to a payment designated as “Recurring” and only if the notice is received at the address and phone number listed in Section 7 of this Agreement no later than three business days before the scheduled date of the payment or transfer. If you call, we may also require you to request in writing and get it to us within fourteen days after you call. The notice must detail whether the cancellation applies to only one of the recurring transactions, or all transactions in the recurring stream. You understand that your written notice will only be accepted at the address and phone number listed in Section 7 of this Agreement.
      7. Payment Guarantee. If a properly scheduled payment is not received and posted on time by the payee, we will attempt to remove any late fees or assessed finance charges. (Finance charges are calculated based on your payment amount rather than your entire balance.) If the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to add a note of explanation to your account to ensure that the situation does not negatively impact your credit rating. The Payment Guarantee applies to late fees and/or finance charges associated with the late posting of a payment, provided that the payment was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be schedule so that the payment is sent on or before the due date, excluding grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Send On” date no later than July 1st.) Note: the information supplied by you must be correct (payee name and address, your name and account number as it appears on the payee’s records). The following payees are allowed but not covered under this Payment Guarantee:
        1. Payments to payees with Armed Forces postal codes (AP, AE)
        2. Payments to settle securities transactions
        3. Payments to payoff special or delayed financing for purchases
        4. Payments that failed due to insufficient funds or other reasons
        5. Payments to credit counseling agencies who pay creditors on your behalf

        Payments to the following prohibited payees are not permitted through this service, and are not covered under this Payment Guarantee.

        1. Payments to payees outside of the United States
        2. Court-ordered payments such as alimony, child support, speeding tickets, etc.
        3. Tax entities
        4. Collection agencies.
      8. Expedited Payment Guarantee: If a Properly Scheduled Expedited Payment (defined below) is not received and posted by the payee as of the scheduled payment date, you will not be responsible for any Penalties (defined below) that arise due to the failure of such payment to post on the scheduled date and we will refund you the service fee associated with such payment We will first attempt to have any such Penalties removed, and if the payee is unwilling or unable to remove them, we will pay the fees and finance charges directly to the payee. In addition, we will attempt to have your payee account noted appropriately to ensure that the situation does not negatively impact your credit rating. “Penalties” are defined as late fees or finance charges that are assessed on the Properly Scheduled Expedited Payment amount that did not post on the scheduled payment date, not those based on your total outstanding balance. A “Properly Scheduled Expedited Payment” is defined as a payment that:
        1. was made from an account that has sufficient funds for the payment and any fees associated with the payment;
        2. was scheduled to be delivered on or before the due date of your bill, excluding any grace periods. (The one exception to this guideline is that mortgage payments may be scheduled so that the payment is sent on or before the due date including grace periods. For example, a mortgage payment due on July 1st, with a 15-day grace period, must have a “Deliver By” date no later than July 15th.);
        3. the service indicates is deliverable on or prior to the applicable due date;
        4. was not made for any of the following types of transactions:
          1. Payments that failed due to insufficient funds or other reasons
          2. Payments to settle securities transactions
          3. Payments to payoff special or delayed financing for purchases
          4. Payments to credit counseling agencies who pay creditors on your behalf
          5. Payments to payees outside of the United States
          6. Court-ordered payments such as alimony, child support, speeding tickets, etc.
          7. Tax entities
          8. Collection agencies
        5. the information supplied by you is correct (payee name and address, your name and account number as it appears on the payee's records);
        6. does not cause you to exceed any applicable risk management limits
        7. was scheduled when the system was available; and
        8. the payment complies with the payee's policies.
    6. Electronic Check Transactions. You authorize us to honor any electronic check conversion transaction and re-presented check fee debit transactions you authorize (“electronic check transactions”). You agree that your authorization for an electronic check transaction occurs when you initiate such a transaction after receiving any notice regarding the merchant’s right to process the transaction, including any written sign provided by the merchant at the time of your transaction. All terms governing electronic funds transfer services will apply to electronic check transactions, except the $50 and $500 limits of liability for unauthorized transactions in the “Member Liability” section. You remain responsible for notifying us of any unauthorized check transaction shown on your statement.
       
  4. Secondary Users. You may authorize secondary users to have online access to your accounts with authority to view account information, make account transactions, and establish sub accounts. You are fully responsible for any actions of any secondary user you authorize. You agree the authority of the secondary user shall continue until you revoke it in writing and we have had an opportunity to act upon it.
     
  5. External Transfers. The External Transfer service enables you to request a transfer of funds: (1) from your Credit Union deposit account that is eligible to be used with and is enrolled in the service (“Eligible Credit Union Account”) to your account at another financial institution enrolled in the service (“Verified Account”) or (2) from a Verified Account to your Eligible Credit Union Account. The Credit Union generally uses the ACH Network to execute External Transfer requests, but other methods of transfer may also be used.
    1. Service Eligibility.  You must be at least eighteen (18) years old, a resident of the United States, and have an e-mail address. You authorize us to verify your identity by obtaining information about your credit history from a consumer credit reporting agency to be used in accordance with the Fair Credit Reporting Act and other applicable laws. You agree to use the Service for legal purposes and not in violation of any laws, including but not limited to, laws and regulation designed to prevent Money Laundering. If any of your FT Accounts has a joint account holder, you represent and warrant that the joint account holder has consented for you to represent both and use the account with this Service. If you do not give such consent, you should not use that account and we will terminate your use of Service if we are notified of such situation.
    2. Authorization to Transfer Funds. You represent to the Credit Union that you own each Eligible Credit Union Account, Verified Account and have full right and authority to all the funds on deposit therein. In addition, you authorize the Credit Union to execute and charge your Eligible Credit Union Account(s) for any External Transfer request to a Verified Account and from a Verified Account to your Eligible Credit Union Account, including any related fee, subject to any applicable limit as to dollar amount, time delays to complete transfers when your External Transfer requests are made in accordance with the procedures established by the Credit Union. You agree that the Credit Union has no obligation to execute any request for a transfer using External Transfer that is not initiated in accordance with such procedures. You understand that acceptance and processing of an External Transfer request is subject to the terms and conditions stated in this Agreement, as amended from time to time. This authorization shall remain in full force and effect until you have informed the Credit Union and the Credit Union has had a reasonable opportunity to act on it. You agree that the Credit Union is relying upon the information you provide in originating an External Transfer on your behalf. Any errors in the information, including incorrect or inconsistent account names and numbers or the ABA number or name of the financial institution holding your Verified Account are your responsibility. You agree that if External Transfer instructions identify a Verified Account by name and account number, the relevant financial institution may execute those instructions by reference to the account number only, even if such number does not correspond to the name. You understand that financial institutions holding your Verified Accounts may not investigate discrepancies between names and numbers and the Credit Union has no responsibility to investigate discrepancies between names and account numbers. Not all types of accounts are available for funds transfer service. For example, retirement, business or corporate accounts. Also you must check with your financial institution to verify their ability to participate in external funds transfer service. Also, there may be limitations related to each transaction such as total amount, number of transactions allowed, or total transaction amounts defined by your financial institution. All funds transfers are also subject to the rules and regulations governing the relevant Verified Accounts. You agree not to request any External Transfers from or to Verified Accounts that are not allowed under the rules or regulations applicable to such accounts.
    3. Account Set-up & Verification. The Credit Union will initiate a funds transfer request for you when you access your Eligible Credit Union Account(s) through the Online Banking service using the established login credentials. You agree that the Credit Union has established commercially-reasonable security procedures for the External Transfer service. The Credit Union’s procedures are designed to authenticate your identity before accepting a request for an External Transfer but not to detect errors in the content of your instructions.  You authorize the Credit Union to verify your account at another financial institution (“Third Party Account”) through the use of a trial transfer, in which three low value payments will be credited to the account. Once the verification process is successful, each Third Party Account will become a Verified Account. You agree to verify online the amounts of such deposits and/or withdrawals. Upon your request, we will make electronic transfers from your designated and active Eligible and Verified Accounts via the Automated Clearing House (ACH) system in the amount you specify. You agree that such requests made with this Service constitute your written authorization for such transfers. You understand that your bank may limit the number of transactions that you authorize using your savings or money market account.
    4. Transfer Limitations & Requirements.
      1. Transfer Cut-Off. Your request for a Standard transfer will be executed on the current Business Day so long as it is initiated by the cutoff time of 3:00 p.m. PT. If your request for a Standard transfer is received by the Credit Union on a day that is not a Business Day or on a Business Day after the established cut-off hour, we will not process your request until the next Business Day. Any standard transfer made after the cut-off time will be initiated the next business day.
      2. Transfer Limits. There is a daily limit on External Transfers of $2,500 and a Monthly limit of $5,000. For purposes of the "monthly" transfer limits, a month means the thirty (30) calendar days immediately prior to the date on which an External Transfer request is executed (i.e., originated) by the Credit Union.  These daily and monthly dollar limits apply to the total of all transfers for all accounts linked to the user profile. Any transfer initiated on a day that is not a business day counts toward the applicable limit for the next business day. A transfer remains In Process until fully processed and it will appear as "In Process" on your Transfer Funds tab within Online Banking. We may change your transfer limits at any time. Any decrease will be subject to notice, as required by law, but you agree that we may reduce your limits without prior notice upon occurrence of a Disqualifying Event, including:  (i) any of your Credit Union accounts are not current or are not in good standing, (ii) you have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Credit Union account during the current or three prior calendar months, or (iii) you have had any prior transfer to or from a non-Credit Union account canceled, revoked, or uncompleted due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason
      3. Modifying or Cancelling Transfers. Pending transfer instructions can be cancelled or modified until the status changes to "In Process". Transfer Instructions cannot be cancelled or modified after cut-off time on the transfer date. If you close any of your Eligible or Verified Accounts, you are responsible to remove it from the Service to avoid any transaction failure and charges related to a failed transaction. There may be additional fees to you for failed transactions.
      4. Rejection of an External Transfer Request. The Credit Union reserves the right to reject your funds transfer request. The Credit Union may reject a request if the dollar value of one or more of your transfer requests exceed the daily or monthly transfer limit if you have insufficient available funds in your Eligible Credit Union Account for the amount of the External Transfer, if your request is incomplete or unclear, if the Credit Union identifies a security risk related to a requested transfer or if the Credit Union is unable to fulfill your request for any other reason. You understand that if the Credit Union rejects a request for an External Transfer for one or more of the reasons set forth above, you will be informed of the rejection during your online session or by e-mail as soon thereafter as the Credit Union has determined to reject the request.
      5. Cancellations, Amendments or Recalls. You may cancel or amend a funds transfer request only if the Credit Union receives your request prior to the execution of the funds transfer request and at a time that provides the Credit Union with a reasonable opportunity to act upon that request. The Credit Union shall not be liable to you for any loss resulting from the failure of the beneficiary bank to agree to a recall or amendment of your funds transfer request. You further agree that the Credit Union shall not be responsible for any delay, or failure to execute your funds transfer request due to circumstances beyond the Credit Union’s reasonable control - including, without limitation, any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of your funds transfer request to the bank or execution of such request by the bank, whether caused by strikes, power failures, equipment malfunctions, or acts or omissions of any intermediary bank or beneficiary bank.
      6. Status E-mail. We will periodically send messages to your primary e-mail address during the external funds transfer process. These messages will provide information pertaining to the trial deposit process, confirm account linkages, and contain status updates for transfers in progress. Primary e-mail address is defined in Online Banking and you are responsible for updating the address should it change.  E-mail messages regarding the funds transfer process do not contain any non-public personal information and cannot be suppressed.
         
  6. Mobile Banking Services.
    1. Use of Services.  Mobile Banking is a personal financial information management service that allows you to access account information and make financial transactions as offered using compatible and supported mobile phones and/or other compatible and supported wireless devices (including phones, “Wireless Devices”).  We reserve the right to modify the scope of the Mobile Banking services at any time.  We reserve the right to refuse to make any transaction you request through Mobile Banking.  You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile telephone networks, such as while roaming.  The most up-to-date list of services which you may be able to access through Mobile Banking is posted on the Mobile Access enrollment website at www.wecu.com. When you register for Mobile Banking, designated accounts and payees (or billers) linked to your account through Online Banking will be accessible through the Mobile Banking service.

      At the present time, you may use the Mobile Banking Service to:
      • View account balance, transaction history, and tax information for any of your accounts.
      • View specific items and check images, ATM locations
      • Transfer funds between your Savings, Checking, or Loan accounts
      • Make Bill Payments, view or edit pending payments and payment history using the E-Pay Bill Payment Service
         
      Mobile Banking will not work unless you use it properly.  You accept responsibility for making sure that you understand how to use Mobile Banking before you actually do so, and you use Mobile Banking in accordance with the online instructions posted on our website.  You also accept responsibility for making sure that you know how to properly use your wireless device and the Mobile Banking software (“Software”) required to use the Service. The Software is provided by a service provider not affiliated with the Credit Union and you are solely responsible for entering a license agreement to use the software.  We will not be liable to you for any losses caused by your failure to properly use the Mobile Banking service, the Software or your wireless device. You may experience technical or other difficulties related to the Mobile Banking service that may result in loss of data, personalization settings or other Mobile Access service interruptions. We assume no responsibility for the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of the Mobile Banking service. We assume no responsibility for the operation, security, or functionality of any wireless device or mobile network which you utilize to access the Mobile Banking service. Financial information shown on the Mobile Banking service reflects the most recent account information available through the Mobile Banking service. You agree that we will not be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly.
       
    2. Access to Accounts.  By enrolling in the Mobile Banking service, you certify you are an owner, joint owner or custodian on the accounts represented in your enrollment. You understand that all owners of your accounts or anyone with whom you share your Password or any access code will be an Authorized User, and that authority will be considered unlimited in amount and manner with full authority to perform all transactions relating to the stated accounts, until you notify the Credit Union, in writing of the revocation of such authority. You agree that you are and will remain fully responsible for any transactions made by such persons on your accounts except transactions that occur after the Credit Union has been notified of any revocation of authority and has had a reasonable opportunity to act upon such notice.
       
    3. Relationship to Other Agreements.  You agree that when you use Mobile Banking, you will remain subject to the terms and conditions of all your existing agreements with us or any service providers of yours; including service carrier or provider and that this Agreement does not amend or supersede any of those agreements.  You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of Mobile Banking (for example, your mobile service carrier or provider may impose data usage or text message charges for your use of or interaction with Mobile Banking, including while downloading the Software, receiving or sending Mobile Banking text messages, or other use of your Wireless device when using the Software or other products and services provided by Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions.  You agree that only your mobile service carrier or provider is responsible for its products and services.  Accordingly, you agree to resolve any problems with your carrier or provider directly with your carrier or provider without involving us.  You also agree that if you have any problems with Mobile Banking, you will contact us directly.
       
    4. Mobile Banking Service Limitations and Conditions.  When you use the Mobile Banking service to access accounts, you agree to the following limitations and conditions:
      1. Account Ownership/Accurate Information.  You represent that you are the legal owner of the accounts and other financial information which may be accessed via Mobile Banking.  You represent and agree that all information you provide to us in connection with Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of operating the Mobile Banking service. You agree to not misrepresent your identity or your account information.  You agree to keep your account information up to date and accurate.
      2. Proprietary Rights.  You may not copy, reproduce, distribute, or create derivative works from this content.  Further, you agree not to reverse engineer or reverse compile any Mobile Banking technology, including, but not limited to, any Software or other mobile phone applications associated with the Mobile Banking service.
      3. User Conduct.  You agree not to use Mobile Banking or the content or information delivered through Mobile Banking in any way that would: (a) infringe any third-party copyright, patent, trademark, trade secret, or other proprietary rights or rights of publicity or privacy, including any rights in the Software; (b) be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Mobile Access to impersonate another person or entity; (c) violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising); (d) be false, misleading or inaccurate; (e) create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers; (f) be defamatory, trade libelous, unlawfully threatening or unlawfully harassing; (g) potentially be perceived as illegal, offensive or objectionable; (h) interfere with or disrupt computer networks connected to Mobile Banking; (i) interfere with or disrupt the use of Mobile Banking by any other user; or (j) use Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.
      4. No Commercial Use or Resale.  You agree that the Mobile Banking services are for personal use only.  You agree not to resell or make commercial use of Mobile Banking.
      5. Indemnification.  Unless caused by our intentional misconduct or gross negligence, you agree to protect and fully compensate us and service providers from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your improper use of the Mobile Banking software or your infringement, or infringement by any other user of your account, of any intellectual property or other right of anyone.
      6. Additional Service Limitations.  Neither we nor our service providers can always foresee or anticipate technical or other difficulties related to Mobile Banking.  These difficulties may result in loss of data, personalization settings or other Mobile Banking interruptions.  Neither we nor any of our service providers assume responsibility for the timeliness, deletion, misdelivery or failure to store any user data, communications or personalization settings in connection with your use of Mobile Banking.  Neither we nor any of our service providers assume responsibility for the operation, security, functionality or availability of any Wireless device or mobile network which you utilize to access Mobile Banking. You agree to exercise caution when utilizing the Mobile Banking application on your Wireless device and to use good judgment and discretion when obtaining or transmitting information. Financial information shown on Mobile Banking reflects the most recent account information available through Mobile Banking, and may not be current.  You agree that neither we nor our service providers will be liable for any delays in the content, or for any actions you take in reliance thereon. If you need current account information you agree to contact us directly.
      7. Third Party Beneficiary.  You agree that our service providers (including any provider of Software) may rely upon your agreements and representations, set forth in this Section 1.g. and such service providers are third party beneficiaries with the power to enforce those provisions against you, as applicable.
         
  7. Conditions of EFT Services. The use of your card and account are subject to the following conditions:
    1. Ownership of Cards. Any card or other device which we supply to you is our property and must be returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately according to instructions. The card may be repossessed at any time in our sole discretion without demand or notice. You cannot transfer your card or account to another person.
    2. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your account in lieu of a cash refund.
    3. Security of PIN and Max-Code. The Personal Identification Number (PIN) issued to you or Max-Code (E-Max/Tele- Max access code) you select is for your security purposes. The access codes are confidential and should not be disclosed to third parties or recorded on or with the card. You are responsible for safekeeping your access codes. If you authorize anyone to have or use your access codes, you understand that person may use the E-Max/Tele-Max service to review all of your account information and make account transactions via E-Max and Tele-Max or ATM Point-of-Sale transactions with your card or PIN. Therefore, we are entitled to act on transaction instructions received using your access codes and you agree that the use of your access codes will have the same effect as your signature authorizing transactions. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes that authority shall continue until you specifically revoke such authority by notifying the Credit Union. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your card and account services immediately. You understand that all account owners have chosen an E-Max/Tele- Max access code. If you authorize or permit anyone else to have or use your E-Max/Tele-Max access code, all account owners and authorized users will have full access to the E-Max/Tele-Max service to review all deposit and loan account information of any account owner and may use E-Max/Tele-Max to make account transactions on any deposit or loan accounts of any account owner.
    4. Currency Conversion/Foreign Transaction Fee. Purchases and cash advances made in foreign countries will be billed to you in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. In addition, you will be charged a Foreign Transaction Fee of 1% of the transaction amount for any card transaction made in a foreign country and for Internet merchants that bill through a foreign financial institution.
       
  8. Member Liability. You are responsible for all transfers you authorize using your EFT services under this Agreement. If you permit other persons to use an EFT service, Card or access code you are responsible for any transactions they authorize or conduct on any of your accounts. Tell us at once if you believe anyone has used your Account, Card or access code and accessed your accounts without your authority or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For VISA Debit Card purchase transactions, if you notify us of your lost or stolen card, you may not be liable for any losses provided you were not grossly negligent (for example keeping your PIN with your Card is gross negligence) or fraudulent in handling your Card and you provide us with a written statement regarding your unauthorized Card claim, otherwise the following liability limits will apply. For all other EFT transactions except electronic check transactions, if you tell us of the unauthorized use of your account 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 EFT service, and we can prove that we could have stopped someone from accessing our account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows EFT transfers that you did not make including made by Card, access code or other means, 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 following amounts if we can prove that we could have stopped someone from making the transfers if you had told us in time: (i) for unauthorized Debit Card purchase transactions - up to the limits set forth above and (ii) for all other unauthorized EFT transactions - up to the full amount of the loss. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

    If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify us:

    During business hours call:
    360.676.1168 • 800.525-8703 • TTY 800.833.6388

    After hours call:
    800.682.6075

    Write to:
    Whatcom Educational Credit Union

    PO Box 9750
    Bellingham, WA 98227-9750
     
  9. Business Days. Our business days are Monday through Friday excluding federal holidays.
     
  10. Fees and Charges. There are certain charges for electronic fund transfer services as set forth on the Schedule of Fees. You agree to have the service fees deducted from your account on the day the transaction is posted to your account. From time to time, the charges may be changed and we will notify you of any changes as required by law. If you request a transfer or check withdrawal from your line of credit account, such transactions may be subject to charges under the terms and conditions of your applicable Loan Agreement. When you use an ATM not owned by us, you may be charged a fee by the ATM operator (or any network used). If you make more than five (5) ATM withdrawals at non-WECU® ATMs in any calendar month, there is a $.50 fee per withdrawal. There is no fee for obtaining cash withdrawals at WECU® ATMs.
     
  11. Transaction Documentation.

     

    1. Confirmation Numbers. Upon completion of a transaction using E-Pay, a confirmation number will be given. You should record this number, along with the payee, scheduled date and transaction amount in your checkbook register (or other permanent record), because this will help in resolving any problems that may occur. No printed receipts are issued through E-Pay.
    2. Periodic Statements. Withdrawals, transfers, deposits, and purchase transactions through an ATM, POS terminal, participating merchant, Tele-Max, E-Max or kiosk, as applicable, will be recorded on your periodic statement, which will be sent by mail or electronically, if you have requested electronic statements. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. You may request that your statement be provided electronically.
    3. Direct Deposits. If you have arranged to have a direct deposit made to your account at least once every sixty (60) days from the same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit was made by calling the phone numbers listed above. This does not apply to transactions occurring outside the United States
    4. Terminal Receipt. You will receive a receipt at the time you make a transaction using an ATM, POS terminal or with a participating VISA merchant, except some electronic terminals will not provide receipts for transactions of $15 or less.
       
  12. Account Information Disclosure. We will maintain the confidentiality and privacy of your electronic funds transaction information in accordance with our privacy policy as stated on our website at: www.WECU.com.
    However, we may disclose information to third parties about your account or the transfers you make:
    1. As necessary to complete transactions;
    2. To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
    3. To comply with government agency or court orders;
    4. If you give us your express permission.
       
  13. Credit Union Liability for Failure to Make Transfers. The Credit Union is responsible only for exercising ordinary care in making payment upon your authorization and for mailing or sending a payment to the designated payee. We are not liable in any way for damage you incur if you do not have sufficient funds in your account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, or for any other circumstances beyond the Credit Union’s control.

    We will attempt to notify you by telephone on the Scheduled Initiation Date if a Bill Payment is not processed because there are insufficient funds available in your account. We are not responsible if we are not able to reach you, whether or not this is due to events beyond our control. Moreover, to take advantage of this service, you must keep us aware of any changes in your current home or business phone numbers. In all cases, you are responsible for either making alternate arrangements for the payment, or rescheduling the payment through E-Pay. In no case will we automatically resubmit a payment for you after funds have become available. 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 bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service 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, E-Max services and E-Pay 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 the E-Max services and E-Pay services and may have referred to such communication as “secured,” 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:
    1. If, through no fault of ours, you do not have enough money in your account to make the transfer or the transfer would go over the credit limit on your line of credit.
    2. If you used the wrong access code or you used an ATM, access code or card in an incorrect manner.
    3. If the automated teller machine (ATM) where you are making the transfer does not have enough cash.
    4. If the ATM or POS terminal was not working properly and you knew about the problem when you started the transaction.
    5. If circumstances beyond our control (such as telecommunication, fire, flood or power failure) prevent the transaction.
    6. If the money in your account is subject to legal process or other claim.
    7. If your account is frozen because of a delinquent loan.
    8. If the error was caused by a system of the designated ATM networks, Internet service provider or bill payment processor, or any other participating network.
    9. If there are other exceptions as established by the Credit Union.
    10. The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement.
    11. If your computer fails or malfunctions or the E-Max or Tele-Max services were not properly working and such problems should have been apparent when you attempted such transaction.
    12. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment.
       
  14. Preauthorized Electronic Fund Transfers.
    1. Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) (not using the E-Max service) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify the Credit Union orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. The Credit Union may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do require the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after it has been made.
    2. Notice of Varying Amounts. If these payments will vary in amount, you have the right to receive written notice of the amount of the transfer ten (10) days before the scheduled transfer date. You agree the Credit Union will not provide such notice, but such notice must be obtained from the payee.
    3. Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop one of these payments three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages if you gave us the correct information.
       
  15. Termination of EFT Services. You agree that we may terminate this Agreement and your use of your EFT services and the use of your card, if:
    1. You or any authorized user of your card or access code breach this or any other agreement with us;
    2. We have reason to believe that there has been an unauthorized use of your access code or card;
    3. We notify you or any other party to your account that we have canceled or will cancel this Agreement; or
    4. You breach any provision of your Membership and Account Agreement.
    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.
     
  16. Notices. 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 twenty-one (21) 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.
     
  17. Billing Errors. In case of errors or questions about your electronic transfers, telephone us at the phone numbers or write us at the address set forth above 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.
    1. Tell us your name and account number.
    2. Describe the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
    3. 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 ten (10) calendar days.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. 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 POS transaction errors, new account transaction errors, or errors involving transaction initiated outside the United States). If we decide to do this, we will credit your account within ten (10) business days (five (5) business days for VISA debit card purchase transactions) 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 credit your account. We will tell you the results within three (3) business days after completing our investigation.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.
  18. ATM Safety Notice. The following information is a list of safety precautions regarding the use of Automated Teller Machine (ATM) and Night Deposit Facilities.
    1. Be aware of your surroundings, particularly at night.
    2. Consider having someone accompany you when the ATM or night deposit facility is used after dark.
    3. If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you complete your transaction.
    4. Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place your money in your purse or wallet. Count the cash later in the safety of your car or home.
    5. If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, take your ATM access device or deposit envelope, and leave.
    6. If you are followed after making a transaction, go to the nearest public area where people are located.
    7. Do not write your personal identification number or access code on your debit card.
    8. Report all crimes to law enforcement officials immediately.
       
  19. 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. In the event either party brings a 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 applicable 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. 


Secondary Users

By clicking “Add New Secondary User,” under Settings, the member-user may authorize online account access to a secondary user. The member must provide the secondary user’s name, email address, mobile number, and address. The primary member can select which accounts the secondary user has access to as well as what privileges (i.e. viewing account details, transferring funds, opening sub-savings accounts, etc). This secondary user does not need to be a signer on the account to be granted access. The member can revoke the secondary user’s access and privileges at any time without notification to the secondary user. In the event the secondary user is a joint signer, revocation of online account access does not remove the signer from the account itself.

If you add a secondary user to your HSA account through online banking, you understand that you are fully responsible for transactions completed by that person and WECU will not monitor these transactions

Yes, I agree with the terms and conditions of this service.
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Print out the agreement with terms and conditions.