This Agreement governs the use of Blue Federal Credit Union's Online Banking Service, referred to as the "Service” or “Online Banking”, provided by Blue arren Federal Credit Union, also referred to as "Blue FCU". By using the Service to conduct transactions, you agree to the terms of this Agreement. As used in this Agreement, "Account(s)" means the Blue FCU account on which you are either the Member/Primary Owner or Joint Owner/Co-Borrower. "Loan account(s)" means any loan you have with Blue FCU. "You," "your," and “Owner" refer to the Member/Primary Owner or Joint Owner/Co-Borrower(s) of the Account using the Service. "We," "our," us," and "credit union" refer to Blue FCU that holds the Accounts.
Deposit and Credit Agreements:
The terms and conditions in this Agreement shall have priority and take precedence over any existing terms and conditions in existing Account and Loan Agreements you have with us in the event of a conflict.
You will not be charged for the "view accounts", or "transfer funds" features of our Online Banking. NOTE: Your share and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Membership and Account and/or Loan Agreement(s) and by withdrawal or transfer limitations under Federal Regulation D and will be assessed fees in accordance with this regulation (see the Rates and Fees Schedule).
To use Online Banking, you must have at least one Blue FCU account. Through the Service, you will have access to any of your share or loan accounts, including those on which you are a Joint Owner/Co-Borrower. Blue FCU reserves the right to deny access to a share or loan account or to deny transactions under certain circumstances.
In order to use the Online Banking Service, you need a computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") with a web browser (Microsoft Internet Explorer 8 or higher, Mozilla Firefox 1.5 or higher, Safari 4.1.3 or higher, or Google Chrome). You will use a username password to access your Online Banking. The password is confidential and used to access your Account(s) through Online Banking.
Description of Online Banking:
The Service allows you to perform some and/or all of the following functions from your Computer. You may use the Service to:
- transfer funds between your Accounts;
- obtain balances;
- obtain history and transaction information on your Accounts;
- obtain loan account balance information;
- access Bill Paying Service; and/or
- additional Account services.
These features are limited to the extent, and subject to the terms, noted below:
- Your ability to transfer funds from certain Accounts is limited by Federal Regulation D and the Membership and Account Agreement (also referred to as the “Disclosure”). Refer to the Disclosure for regulatory limitations and service charges applicable for excessive withdrawals or transfers (see Rates and Fees Schedule). Transfers made using the Service count against the permissible number of transfers described in the Disclosure.
- There may be at least a one business day delay in transferring funds between your Accounts. Except as provided in this Agreement, all Online Banking transaction instructions received by 7:00 p.m. MST may be completed that business day. Any instruction received after 7:00 p.m. MST may be completed the next business day.
- Transactional information for your Accounts will be available from Online Banking for a maximum of three statement cycles from the date of inquiry.
Online Banking Setup & Security:
New users may enroll in Online Banking at any time during their membership at Blue FCU. Account Members/Owners can enroll online and must provide their Account number, last four digits of their social security number and date-of-birth in order to enroll. Once you have provided the required enrollment information, you will be prompted to select your new username and password. Your Online Banking username and password are required to access Blue FCU’s Online Banking functions. You agree not to give or make available your password to any unauthorized individual. If you believe your password has been lost or stolen, someone has attempted to use the Online Banking Service without your consent, your share or loan account(s) have been accessed, or someone has transferred money without your permission, you must notify us immediately by calling 307-432-5400 or 1-800-368-9328 or visiting any of our branches. We do not maintain a record of your password. If you lose or forget your password, contact us immediately so that you may select a new confidential password.
Users may reset their password at any time online through Online Banking. Users may also recover their username through Online Banking
Online Banking is secured by associating a Member/Owner’s username with the cookies set in their browser. If you try to access your Online Banking on an unfamiliar computer, device or browser, you will be required to complete and an “out-of-band” authentication. Out-of-band authentication will send a one-time security code that you will enter alongside your username and password to authenticate from where you are accessing Online Banking. You will be able to select your form of delivery (phone, text message or email) where a one-time secure code will be sent. Out-of-band authentication will also be used to recover your password if you should need to reset it through Online Banking.
Data Recording and No Signature Required:
When you access Online Banking to conduct transactions, the information you enter may be recorded. By using the Service, you consent to such recording. When using Online Banking to conduct transactions, you agree that Blue FCU may debit your Account(s) to complete the transactions, or honor payments you have requested made on your behalf.
Disclosure of Account Information to Third Parties:
We will disclose information to third parties about your Account or transfers you made:
- When it is necessary to complete the transfers;
- In order to verify the existence and conditions of your Account for a third party, such as a credit bureau or merchant;
- In order to comply with a government agency or court orders; or
- If you give us written permission.
From time-to-time, Blue FCU will provide applicable marketing content through the Service’s channels. We will never sell or share your confidential Account or personal information and will be used for the sole purpose of marketing its products and services to its Members. You are unable to opt-out of Online Banking marketing material (see Privacy Notice).
You agree to promptly notify Blue FCU, in writing, online or by phone, of any address change. Failure to do so may result in undeliverable material regarding updates, fees, changes or related material to Online Banking.
Blue FCU reserves the right to impose a frequency or dollar limit on or refuse to make any payment you have directed. The credit union is obligated to notify you promptly if we decide to refuse to complete your payment instruction. This notification is not required if you attempt to make payments which are prohibited under this Agreement.
Governing Law and Federal Disclosure:
This Agreement shall be governed by the laws of the State of Wyoming and by applicable federal laws and regulations. You agree to accept this Agreement online rather than a paper disclosure. We recommend you print the entire Agreement for your records. If you are unable to print this, please request a paper copy to be mailed to you. You submit to the jurisdiction of, and this Agreement shall be governed by the laws of, the State of Wyoming, as well as the federal laws of the United States of America. Venue for any action arising out of this Agreement shall be in a state court of competent jurisdiction covering Laramie County, WY, U.S.A. The prevailing party in any such action shall be entitled to the recovery of its reasonable attorney’s fees, costs, and expenses.
In the event of a dispute regarding Online Banking, you and Blue FCU agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Blue FCU, which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Blue FCU relating to the subject matter of this Agreement. If there is a conflict between what one of our employees says and the terms of this Agreement, the terms of this Agreement have final control.
Liability for Unauthorized Use:
You are expected to report to the credit union if you suspect your Account information and/or Online Banking password has been lost or stolen. Contact by telephone is the best way of keeping your possible losses down. You could lose all the money in your Accounts (plus your maximum overdraft line-of-credit and open-end credit). As different methods of transactions are governed by different rules and regulations, timeframes and/or liabilities will be outlined in each Service addressing specifics (see Agreements below). In general, if you believe your Account information or password/access code has been lost or stolen, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your Account information or password/access code without your permission. If you do NOT tell us within two business days after you learn of the loss or theft of your information and we can prove we could have stopped someone from using your Account without your permission if you had told us, you could lose as much as $500.00 (see Membership and Account Agreement for details). 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 statement was mailed to you, 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.
Telephone us as soon as possible if you believe your statement or receipt is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Your inquiry must include:
- 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, and
- The date of occurrence.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (20 business days if the transaction involved an Account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we determine there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Changes to and/or Termination of Agreement:
The terms of this Agreement, applicable fees, and service charges may be altered or amended by Blue FCU from time-to-time. In such an event, we shall send notice to you either to your address as it appears on our records, via email or by online notice through the Service. Any continuation of Online Banking after we send you a notice of change will constitute your agreement to such change(s). Further, the credit union may, from time-to-time, revise or update the program, services, and/or related material(s) rendering such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the programs, services, and/or related material(s) and limit access to Blue FCU more recent versions and updates. The use of Online Banking does not require dis-enrollment on your behalf; therefore, termination of the Service by you is done by not accessing or using the Service. However, any transactions or payments you have previously authorized will be completed as instructed. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.
Ownership and Assignment Rights:
You may not assign this Agreement to any other party. Blue FCU may assign this Agreement to any present or future, directly or indirectly, affiliated company. We may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.
No Waiver & Captions:
Blue FCU shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by Blue FCU. No delay or omission on the part of Blue FCU in exercising any right or remedy shall operate as a waiver of such right or remedy or any other rights or remedies. A waiver on any particular occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions. The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.
Acknowledgement and Acceptance of Terms and Agreement:
By acknowledging your acceptance of this Agreement or by using Blue Federal Credit Union’s Online Banking Service, you agree to be legally bound by and to adhere to all of the terms and conditions of the Agreement and of any other documents, whether in written or electronic form, which we may provide to you from time-to-time and which contain additional provisions or instructions applicable to the Service, and to any amendments made thereto.