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Western Sun Federal Credit Union

Access Agreement

Please read the Access Agreement below.
When finished, click on the 'Agree' button at the bottom to sign up for Online Banking.
WESTERN SUN FEDERAL CREDIT UNION ONLINE BANKING DISCLOSURE

“You” refers to the member/owner(s) of a share (savings) account who has requested Online Banking access in connection with that account and any sub‐account. You agree to the rules and regulations affecting the use of the Access Code provided by us for your convenience.

Access Code is defined as the User Number/Password provided to you for access to Western Sun Federal Credit Union (WSFCU) Online Banking. You are responsible for maintaining its confidentiality. The access code should be memorized to prevent any unauthorized use.

Joint Accounts – The WSFCU Online Banking Access Code is provided and issued to the first member named on a share account and offers access to other sub‐accounts owned by that member. If you disclose your Access Code to any joint account holders, they will have access to all accounts owned by you, either individually or jointly.

Authorized Use – You are authorized to withdraw, transfer funds and pay bills from your account(s) with the use of your Access Code.

Consumer Liability for Unauthorized WSFCU Online Banking Transactions – Tell us at once if you believe your Access Code has been lost or stolen. Telephoning is the best way of keeping your possible losses to a minimum. You could lose all the money in your account plus your overdraft line of credit, if applicable. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone used your Access Code without permission.

If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code and we can prove that we could have stopped someone from using your Access Code without your permission if you had told us, you could lose as much as Five Hundred dollars ($500.00).

If your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost if we prove that we could have stopped someone from taking the money if you had told us in time. We are liable only for losses in excess of the limits stated.

Notification Procedure – If you believe that your Access Code has been stolen or someone has transferred money from your account without permission, call us at (918) 362-1400 or (800) 828-4771 or write us at: Western Sun Federal Credit Union, 4620 W. Kenosha, Broken Arrow, OK 74012.

Type of Transactions Available – You may use your Access Code with WSFCU to obtain account information related to any share (savings) account, checking and loan accounts regarding current balances and account history. You may also make transfers to other savings and checking accounts of yours or accounts you have authorized in writing prior to such transfer request, make loan payments, apply for a loan and reorder checks.
       
Transfers – Transfer Limitations
Federal Regulation D (Reg D) limits the number of certain types of transfers and/or withdrawals you can make from your savings account and your Money Market Account to six per calendar month. The types of transfers that are limited are those requested by fax, telephone, internet, and pre-authorized transfers. If you exceed six in a month you will be charged a fee. Please refer to our Rate and Fee schedule for more information. You may transfer up to the balance in your account at the time of transfer, except as limited by other agreements. We reserve the right to refuse any transaction that would draw upon sufficient funds or lower an account below a required balance.

WSFCU Online Banking transactions may be made at any time, seven (7) days a week, unless the service is unavailable due to computer system maintenance.

Important – Recurring transfers where the date scheduled falls on a Sunday or holiday will occur the next business day.

Fees and Charges – Online Banking transactions involving your account(s) are considered the same day as any other transaction in regard to service charges, overdrafts and other fees, terms and conditions set forth in your account agreement(s).

WSFCU does not charge for internal transfers initiated via WSFCU Online Banking (except for Reg D, see above under Transfers), viewing account information via the internet, or the companion Bill Pay service, except for the fee charged for the optional Rush Delivery Bill Pay service. WSFCU reserves the right to charge for Online Banking or Bill Pay. You will be given at least 30 days advance notice before WSFCU implements any new fees for Online Banking or Bill Pay.

Conditions Under Which We Will Disclose Information to a Third Party – You agree and authorize us to disclose information to third parties about your account(s) or the transfers you make (1) where necessary for completing transfers (2) in order to verify the existence and condition of your account for a third party (3) in order to comply with government agency or court orders as required by law or (4) if you give us your permission.

Documentation and Verification of Transfer – You will receive a monthly statement of your account activity unless no electronic transfers were made to or from your account(s) during the month, in which case you will receive a statement at least quarterly.

Error Resolution – Telephone or write us at: Western Sun Federal Credit Union, 4620 W. Kenosha, Broken Arrow, OK 74012 or (800) 828-4771 or (918) 362-1400, immediately, if you think your statement is wrong or if you need more information about a transaction listed on the statement or online. If you tell us orally, we may require that you send your complaint or question in writing within ten (10) business days. We must hear from you no later than sixty (60) days after we send you the first statement on which the problem or error occurs. Provide the following information:
1.) Your name and account number.
2.) Describe the error or transfer you are unsure about and a clear explanation of why you believe it is an error.
3.) The dollar amount of the suspected error. We will tell you the results of our investigation within ten (10) days after we hear from you and will correct the error promptly. If we need more time we make take up to forty‐five (45) days to investigate your complaint or question.

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 during the time it takes to complete our investigation. If we ask you to put your complaint or question in writing and do not receive it within ten (10) business days, we may not re‐credit your account. If we decide that there was no error, we will send you an explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we obtained in our investigation.

Cancellation – We may cancel your WSFCU Online Banking privileges at any time without notice. You may cancel this Agreement by providing us with written notice that you wish to cancel. Cancellation will be effective on the date we receive the notice. Any cancellation or termination will not affect any of your existing liability to us.

Liability – If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages, however there are some exceptions. We will not be liable, for instance:
• If, through no fault of ours, you do not have enough money in your account to make the transfer.
• If the WSFCU Online Banking system was not working properly and you knew it was not working properly when you started the transfer.
• If we have reason to believe that transactions involving your account(s) may be unauthorized, fraudulent, illegal or otherwise improper.
• If circumstances beyond our control, (such as fire or flood) prevent the transfer.
• Access to service is unavailable for the following reasons: scheduled or unscheduled maintenance and system outages.