Notices

Notices

TRUTH-IN-SAVINGS DISCLOSURE

SHARE SAVINGS ACCOUNT

Rate information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter.

Dividend period - For this type of account, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the above example is March 31.

If you close your share account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum required to open this account is the purchase of a share in the credit union. Please see the bylaw requirements in the Common Features section for additional information.

You must maintain a daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance of computation method - Dividends are calculated by the daily computation method which applies a daily rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft. debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the credit union.

Par value of a share:

The par value of a share in this account is $5.00.

MONEY MARKET ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every month. Dividends will be credited to your account every month.

Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, an the ending date of such dividend period is January 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is is the last day of the dividend period, and for the above example is January 31.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance to open this account is $2,500.00. You must maintain a daily balance of $2,500.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

The minimum amount you may withdraw is $500.00 per withdrawal. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephonic order or instruction. No more than two of the six transfers may be made by check, draft, or similar order to a third party. If you exceed the transfer limitations set forth above any statement period, your account will be subject to closure by the credit union.

LOLLIPOP CLUB ACCOUNT

(Available to persons 10 years of age or younger)

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance to open this account is $5.00.

You must maintain a minimum balance of $5.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

You may not make any withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party.

YOUNG ADULT CLUB ACCOUNT

(Available to persons 11 years of age through 17 years of age.)

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum balance required to open this account is $5.00.

You must maintain a daily balance of $10.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - dividends are calculated by the daily balance method which applies a periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

CHRISTMAS CLUB ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Minimum balance requirements:

You must maintain a daily balance of $25.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method - dividends are calculated by the daily balance method which applies a periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

You may not make any withdrawals or transfer to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephonic order or instruction, or similar order to a third party. If any withdrawl is made from this account before the end of the club year, you will be charged $3.00 per withdrawal.

SHARE DRAFT ACCOUNT

This is a "no monthly fee" draft account.

Minimum balance requirements:

The minimum balance required to open this account will equal the cost of the checks and check cover.

Transaction limitations:

No transaction limitations apply to this account unless otherwise stated in the common features section.

We offer Courtesy Pay Overdraft Protection with this account for qualified members. Courtesy Pay Overdraft per item:

*fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, or other electronic means

INDIVIDUAL RETIREMENT ACCOUNT

Rate Information:

The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to your account every quarter. Dividend period - For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

No minimum balance requirements apply to this account.

Daily balance computation method - dividends are calculated by the daily balance method which applies a periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

During any month, you may not make more than three withdrawls or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, telephoic order or instruction or similar order to a third party. If you exceed the transfer limitations set forth above, your account is subject to closure by the credit union.

SHARE CERTIFICATE

Rate information:

The dividend rate on your term share account is ____% with an annual percentage yield of _____%. You will be paid this rate until first maturity.

Compounding frequency - Unless otherwise paid, dividends will be compounded every month.

Crediting frequency - Dividends will be credited to your account every quarter. Alternatively, you may choose to have dividends paid to you or to another account every quarter rather than credited to this account.

Dividend period - For this type of account, the dividend period is quarterly.

Effect of closing an account - If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:

The minimum required to open this account is $500.00 or $1,000.00.

You must maintain a daily balance of $500.00 or $1,000.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance of computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day.

Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:

After the account is opened, you may not make any additions into the account until the maturity date stated on the account.

You may make withdrawals of principal from your account before the maturity only if we agree at the time you request the withdrawal. Principal withdrawn before maturity is included in the amount subject to early withdrawal penalty. You can only withdraw dividends credited in the term before maturity of that term without penalty. You can withdraw dividends only on the crediting dates.

Time requirements - Your account will mature on ___________.

Early withdrawal penalties (a penalty may be imposed for withdrawals before maturity) -

*If your account has an original maturity of one year or less:

The penalty we may impose will equal 30 days dividends on the amount withdrawn subject to penalty.

*If your account has an original maturity date of more than one year:

The penalty we may impose will equal 90 days dividends on the amount withdrawn subject to penalty.

In certain circumstances such as death or incompetence of the owner of this account, the law permits, or in some cases requires, the waiver of the early withdrawal penalty. See your plan disclosure if this account is part of an IRA or other tax qualified plan.

Withdrawal of dividends prior to maturity - The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce savings.

Automatically renewable account - This account will automatically renew at maturity. You may prevent renewal if you withdraw the funds in the account at maturity (or within the grace period mentioned below, if any) or we receive written notice from you within the grace period mentioned below, if any. We can prevent renewal if we mail notice to you at least 30 calendar days before maturity. If either you or we prevent renewal, dividends will not accrue after final maturity.

Each renewal term will be the same as the original term, beginning on the maturity date. The dividend rate will be the same we offer on new term share accounts on the maturity date which have the same term, minimum balance (if any) and other features as the original term share account.

You will have a grace period of ten calendar days after maturity to withdraw the funds without being charged an early withdrawal penalty.

Business Share Draft Account

Rate information:
The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting - Dividends will be compounded every quarter. Dividends will be credited to you account every quarter.

Dividend period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such dividend period is March 31, All other dividend periods follow this same pattern of dated. The dividend declaration date is he last day of the dividend period, and for the example above is March 31,
If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements:
The minimum balance Minimum balance requirements:
The minimum balance requirement to open this account is $500.00 You must maintain a minimum daily balance of $250.00 In your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Accrual of dividends on noncash deposit – Dividends will begin to accrue on the business day you place on noncash items.

Transaction Limitation:
Non-transaction limitations apply to this account unless other wise stated in the Common Features section.

Fees and charges.
A fee of $.20 will be charged for each check written. A monthly service charge fee of $10.00 will be charged each monthly statement cycle.

Small Business Share Draft Account
Rate Information:
The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors.

Compounding and crediting- Dividends will be compounded every quarter. Dividends will be credited to your account every quarter.

Dividend Period – For this account type, the dividend period is quarterly, for example, the beginning date of the first dividend period of the calendar year is January 1, and the ending dare of such dividends period is March 31, All other dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period, and for the example above is March 31. If you close your account before dividends are paid, you will not receive the accrued dividends.

Minimum balance requirements
The minimum balance requirements to open this account is $100.00 You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield.

Daily balance computation method – Dividends are calculated by the daily balance method, which applies a daily period rate to the balance in the account each day.
Accrual of dividends on noncash deposits – Dividends will begin to accrue on the business day you place noncash items (for example, checks) to your account.

Transaction limitations:
No transaction limitations apply to this account unless otherwise stated in the Common Features Section
Fees and charges:
An account maintenance fee of $5.00 will be charged each month.

COMMON FEATURES

Bylaw requirements:

You must complete payment of one share in your Share Savings account as a condition of admission to membership.

Transaction limitation:

We reserve the right to at any time require not less than seven days notice in writing before each withdrawl from an interest-bearing account other than a time deposit, or from any other savings account as defined by Regulation D.

Nature of Dividends:

Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

National Credit Union Share Insurance Fund:

Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund.

Please Click here to view our Fee Schedule.

Courtesy Pay Information

Courtesy Pay is a service that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn.

Courtesy Pay may provide certain accountholder in “good standing” with the ability to overdraw their checking account up to $500. The Courtesy Pay limit includes any overdraft fees assessed.

If the account has been open at least 30 days and maintained in good standing, defined as A) Making regular deposits sufficient to cover transactions; B) Bringing the account to a positive balance at least once every thirty days or less, and; C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Non-Sufficient Funds or Courtesy Pay charge(s). *Fee applies when overdraft is created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Whether we pay or return an item, your account will assessed a fee, either as a Courtesy Pay charge or a Non-Sufficient funds charge but you will not be charged both fees. Our current charge per item is $28, which may be charged with prior notice to you.

Courtesy Pay offers additional flexibility and convenience in managing accountholder funds, and provides peace of mind knowing that items may be paid up to the authorized overdraft limit. Using Courtesy Pay may be more costly than other overdraft payment options we may offer. Please speak to a representative to see if you qualify.

This non-contractual courtesy of payment overdrafts requires no accountholder action. No additional agreements need to be signed, and it cost nothing unless the privilege is used by initiating checks, electronic funds transfers, or other payment or withdrawal request for more than is on deposit in the account. If you maintain the account in good standing and have need for this “courtesy”, we may, at our sole discretion, pay the item(s) up to the authorized limit, and we will charge the account our normal Non Sufficient Funds or Courtesy Pay charge for each item that overdraws the account. We will send you a notice each time an overdraft occurs.

Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit social security or other federal benefit check, you must opt out if you do not want us to apply those funds to repay an overdraft.

Courtesy Pay allows Erie Community Federal Credit Union to provide a higher level of service to our accountholders by helping to protect your account and reputation when an inadvertent overdraft occurs.

Additional information is found in your account agreement. If you have further questions, do not hesitate to call us at 419-626-4283.

ECFCU Homelink Teller Disclosure

ECFCU Homelink Teller.
This ECFCU Homelink Teller Agreement (“Agreement”) is between Erie Community Federal Credit Union, (hereinafter “we, us, our or Credit Union”), and each member who has enrolled in our online service, together with any person who is authorized by a member to use or access their online service (hereinafter referred together as “you, your or yours.”)

ECFCU Homelink Teller are additional “electronic” services provided to increase the convenience to our members. This Agreement supplements the other terms and conditions set forth in the Credit Union’s Membership, Account and Account Services Agreement and Disclosures (the “Membership Agreement”), which you have previously received and agreed to. To the extent that if there is any conflict between the terms of the Membership Agreement and this Agreement, this ECFCU Homelink Teller Agreement will govern our relationship with you.

You understand that by signing an enrollment form to use these services, you agree to the terms and conditions of this Agreement.

You warrant and agree that you will not use Credit Union accounts or services, including but not limited to loans, to make or facilitate any illegal transaction(s) as determined by applicable law; and that any such use, including any such authorized use, will constitute an event of default under this agreement. You agree that the Credit Union will not have any liability, responsibility or culpability whatsoever for any such use by you or any authorized user(s). You further agree to indemnify and hold the Credit Union harmless from any suits, liability, damages or adverse action of any kind that results directly or indirectly from such illegal use.

Definitions:
As used in this Agreement, the following words have the meanings given below:
“You” and “your(s)”, “depositor”, and “account holder”mean each person who applies to use ECFCU Homelink Teller AND each person who uses ECFCU Homelink Teller with the permission of the applicant
“We”, “us”, “our(s)” and “Credit Union” means the ECFCU depository institution (Erie Community Federal Credit Union) that holds the deposit and/or loan account(s) to be accessed by the Service. “Deposit Account” means a checking, savings, or money market account owned by the member. “Service(s)” means the ECFCU Homelink Teller service for which you have applied. “Business Day” means Monday through Friday, except federal holidays. “Law” means federal law and regulation applicable to the service, and to the extent there is no applicable federal law or regulation, the laws of the state where your account is located.

Eligibility
In order to enroll and activate ECFCU Homelink Teller you must maintain an account in good standing with us.

To use ECFCU Homelink Teller, you must use a personal computer or other device with the capacity to interface by modem or otherwise with the Credit Union’s or our agent’s system. The Credit Union is not responsible for providing any equipment, services or advice related to equipment necessary to interface with our system, and the Credit Union is not responsible for any error in connections, transmissions or otherwise regarding any system, software, entries or instructions.

When using ECFCU Homelink Teller, you must, when prompted, enter your member number (User ID), ECFCU Homelink Teller Password, and any other requested information. By entering the correct information you will have direct access to your Credit Union accounts. You should keep your password in a secure location. Any person having access to your ECFCU Homelink Teller Password will be able to access ECFCU Homelink Teller and perform all transactions, including reviewing account information and making transfers.

It is your responsibility to inform the Credit Union in writing via U.S. Mail or by notifying us at info@eriecommunityfcu.org. if your e-mail address changes . If we receive a rejection message from your e-mail address of record, we will attempt to confirm your current e-mail address. Failure to notify us will result in termination of ECFCU Homelink Teller access until an updated e-mail address is provided to the Credit Union.

Setup and use of ECFCU Homelink Teller

Equipment and Software Requirements
To use ECFCU Homelink Teller you need a computer with a modem and a web browser (such as Netscape Navigator®, Microsoft Internet Explorer® or an equivalent). You are responsible for the set-up and maintenance of your home computer and modem.
Before registering for this service, please take note of the system requirements. The following components are required to use ECFCU Homelink Teller:
Microsoft Internet Explorer 4.0 or higher
Netscape Navigator 4.0

128- bit encryption package

ECFCU Homelink Teller Services:

Account Access. You can use ECFCU Homelink Teller to access your accounts with us. ECFCU Homelink Teller allows you to:

Check account balances
Review your transaction history
Transfer funds between your accounts instantly
List checks that have cleared
Make loan and credit card payments instantly
Change your PIN number
Request a check be sent to you

Additional Information about ECFCU Homelink Teller

Each person or business who wishes to use one of the services must register for the service in his or her own name, have an active share account and a Personal Identification Number (PIN) to access their accounts.

You may transfer funds through ECFCU Homelink Teller in any amount between $1.01 and $99,999.99.
Processing Fund Transfers. We can process a fund transfer on the same Business Day as your online transaction, if we receive your instruction before the end of the Business Day. If we receive your instruction after the end of the Business Day, we will process the transaction on our next Business Day.

If there are insufficient funds in your account to make the transfer or payment you have authorized, we may refuse to make the transfer or payment and overdraw your account. In either event, you are responsible for any non-sufficient funds (“NSF”) and overdraft charges that may apply.

Responsibilities

The Member’s Responsibilities

Authorized Use of Services by other Persons. You are responsible for keeping your password and account data confidential. We are entitled to act on transaction instructions received using your password, and you agree that the use of your password will have the same effect as your signature authorizing [or “will authenticate your identity and verify the instruction you have provided to us for”] the transaction(s). If you authorize other persons to use your password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us that you have revoked the authorization and changed your password. If notification is by phone, e-mail, or in person, it must be followed by written notification within 10 days. You are responsible for any transactions made by such persons until you notify us that transfers by that person [“or instruction regarding your account(s)”] are no longer authorized and we have a reasonable opportunity to act upon the change of your password.

Access to Account Information: You agree that all authorized users will have access to information regarding transactions on your account, including but not limited to transactions, account balances, account history, payments and other information relating to or arising with regard to this account or any transaction using this service.

Reporting Unauthorized Transactions

Resolving Errors or Problems.
If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact us by telephone at Sandusky 419-626-4283 or Huron 419-433-3088, e-mail us at info@eriecommunityfcu.org, or write to us directly at Erie Community Federal Credit Union, 3311 Tiffin Avenue, Sandusky, Ohio 44870 as soon as you can.

We must hear from you no later than 60 days after we sent the FIRST statement (by U.S. Mail ) on which the problem or error appeared. When you contact us, our representative will need to know the following information:

Your name and account number; description of the error or the transfer you are unsure about, an explanation of why you believe it is an error or why you need more information; and the dollar amount of the suspected error.

If you tell us orally [or by electronic communication], we may require that you send us your complaint or question in writing within ten (10) business 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. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount that you think is in error, so that you will have use of the money during the time it takes to complete our investigation. I f 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. If we decide that there was not an error, we will send you a written explanation within three business days after we finish our investigation. You may ask for documentation of our investigation.

Member’s Liability for Unauthorized Transactions.

NOTE: Federal law requires that if you believe your password has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, your maximum liability is $50 if someone used your password without your permission.

If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password and we can prove that we could have prevented someone from using your password without your permission, if you had told us, your liability could increase up to $500.

Also, 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 FIRST statement (U.S. Mail ) showing such a transfer, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your account statement. If you find that your records and ours disagree, you must contact the Credit Union by calling Sandusky 419-626-4283 or Huron 419-433-3088 immediately or you can e-mail us directly at info@eriecommunityfcu.org..

Resolving Errors or Problems.
If you think your statement is wrong or if you need more information about a transfer listed on the statement, please contact us by phone in Sandusky 419-626-4283 or Huron 419-433-3088, e-mail us at info@eriecommunityfcu.org, or write to us directly at Erie Community Federal Credit Union, 3311 Tiffin Avenue, Sandusky, Ohio 44870 as soon as you can.

We must hear from you no later than 60 days after we sent the FIRST statement (by U.S. Mail) on which the problem or error appeared. When you contact us, our representative will need to know the following information:

Your name and account number
A description of the error or the transfer you are unsure about, and an explanation of why you believe it is an error or why you need more information
The dollar amount of the suspected error

If you tell us orally [or by electronic communication], we may require that you send us your complaint or question in writing within ten (10) business 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. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days for the amount that you think is in error, so that you have 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 in ten (10) business days, we may not credit your account. If we decide that there was not an error, we will send you a written explanation within three business days after we finish our investigation. You may ask for documentation of our investigation.

Our Responsibility for Processing Transactions.
If we do not complete a transfer to or from your account or cancel a transfer as properly requested on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages.
Our sole responsibility for an error in a transfer will be to correct the error, but in no case will we be liable for any indirect, special, incidental or consequential damages. In states which do not allow the exclusion or limitation of liability for indirect, special, incidental or consequential damages, our liability is limited to the extent permitted by applicable law

Limitations of Our Responsibility for Processing Transactions.
There are some exceptions to our liability for processing transactions on your accounts. 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 funds in your account were attached or the transfer cannot be made because of legal restrictions affecting your account;
if circumstances beyond our control such as interruption of telephone service or telecommunication facilities, or natural disaster (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken;
for any failure to provide access or for interruptions in access to ECFCU Homelink Teller due to a system failure or due to other unforeseen acts or circumstances;
for any errors or failures from any malfunction of our computer or any computer virus or other problems related to your computer equipment used with ECFCU Homelink Teller;
for any error, damages or other loss you may suffer due to malfunction or misapplication of any system you use, including your browser (Netscape Navigator®, Microsoft Internet Explorer®, or otherwise), your Internet service provider, your personal financial management software (such as Quicken® or Microsoft Money), or any other equipment you may use (including your telecommunications facilities, computer hardware and modem) to access or communicate with ECFCU Homelink Teller.

Record Retention
ECFCU follows U.S. Government regulations regarding record retention for financial institutions.

Changes In Terms and Other Amendments.
The Credit Union may change ECFCU Homelink Teller and the terms, including fees for multiple accounts, set forth in this Agreement at any time. You will be notified of any such change as required by applicable law, either by mail or by an electronic message. Your use of these services after any such change will evidence your agreement to any changes.

Termination.
If you wish to cancel your ECFCU Homelink Teller service you must contact us to cancel this service. Your ECFCU Homelink Teller services will remain in effect until terminated by you or us. We reserve the right to cancel your ECFCU Homelink Teller at any time. We may cancel your service at any time, without prior notice, if you have insufficient funds in any of your accounts.

The Credit Union’s Responsibilities.