Privacy Policy

The protection of our members' privacy and the safekeeping of confidential information are of utmost concern to Erie Community Federal Credit Union (ECFCU). It is the ECFCU's intent to comply with all applicable laws and regulations concerning the treatment of both member and non-member information and educate our members as to their privacy rights under law. This policy outlines the purposes for which member information will be collected and released outside of the ECFCU.

INFORMATION COLLECTED

The ECFCU will only collect that information necessary to establish an on-going relationship with the members and joint account holders. Information on an individual member may be collected from a variety of sources, including the members' signature card, loan application, and credit bureaus. Furthermore, the ECFCU will take responsible precautions to protect the accuracy and reliability of member information.

INFORMATION SHARED with AFFILIATES and THIRD PARTIES

The ECFCU will not sell nonpublic personal information on its past and present members to any third party. The ECFCU may disclose nonpublic personal information about an individual member or members with member consent, in order to effect a transaction, to protect the ECFCU's interest, or for other purposes permitted by law and regulation.

THIRD PARTY PRIVACY STANDARDS

The ECFCU will only disclose nonpublic personal information about its members to affiliates and third parties who demonstrate consistent commitment to the protection of the confidentiality of member information, and who have adopted privacy policies comparable to those adopted by the ECFCU.

SECURITY AND CONFIDENTIALITY

As part of the ECFCU's commitment to protect the confidentiality of member account information, the ECFCU will establish procedures for periodically training staff on the importance of member privacy and the ECFCU's Privacy Policy. Staff will only be permitted to access member account information when necessary for business reasons. Finally, the ECFCU will establish appropriate security standards to protect against unauthorized access to member information.

AVAILABILITY of POLICY

The ECFCU is proud of its commitment to member confidentiality, and will make this policy available to any consumer requesting it. The Erie Community Federal Credit Union will also post the policy on its Internet home page.

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.

The Credit Union’s Responsibilities.

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.