Bill Pay Terms and Conditions | Electronic Funds Transfer Agreement and Disclosure | Electronic Statement Delivery Agreement
Mobile Deposit Agreement and Disclosure | Online Services Agreement and Disclosure | Sub-Account Online Disclosure

TERMS AND CONDITIONS OF THE BILL PAYMENT SERVICE


SERVICE DEFINITIONS
“Service” or “The Service” means the bill payment service offered by CAMPUS USA Credit Union, through iPay Services Corporation, a subsidiary of Jack Henry Solutions, Inc.

“Agreement” means these terms and conditions of the bill payment service.

“Member Service” means the Member Service department of CAMPUS USA Credit Union. Please see the ERRORS AND QUESTIONS section below for Member Service contact information.

“Biller” is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

“Payment Instruction” is the information provided by you to the Service for a bill payment to be made to the Biller (such as, but not limited to, Biller name, Biller account number, and Scheduled Payment Date).

“Payment Account” is the checking account from which bill payments will be debited.

“Billing Account” is the checking account from which all Service fees will be automatically debited.

“Business Day” is every Monday through Friday, excluding Federal Reserve holidays.

“Scheduled Payment Date” is the day you want your Biller to receive your bill payment and is also the day your Payment Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

"Due Date" is the date reflected on your Biller statement for which the payment is due; it is not the late date or grace period.

"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

 

PAYMENT SCHEDULING
The earliest possible Scheduled Payment Date for each Biller (typically four (4) or fewer Business Days from the current date) will be designated within the application when you are scheduling the payment. Therefore, the application will not permit you to select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Biller. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Biller statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late date or grace period.

 

THE SERVICE GUARANTEE
Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Billers or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

 

PAYMENT AUTHORIZATION AND PAYMENT REMITTANCE
By providing the Service with names and account information of Billers to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. A payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time is currently 3:00 p.m. (Eastern Standard Time). In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Biller directives.

When the Service receives a Payment Instruction, you authorize the Service to debit your Payment Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Payment Account for payments returned to the Service by the United States Postal Service or Biller, or payments remitted to you on behalf of another authorized user of the Service.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

     
  1. If, through no fault of the Service, your Payment Account does not contain sufficient funds to complete the transaction or the transaction would  exceed the credit limit of your overdraft account;
  2. The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the  transaction;
  3. You have not provided the Service with the correct Payment Account information, or the correct name, address, phone number, or account  information for the Biller; and/or,
  4. Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.
  5.  

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Payment Account or causes funds from your Payment Account to be directed to a Biller which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Payment Account, and for directing to the proper Biller any previously misdirected transactions, and, if applicable, for any late payment related charges.

 

PAYMENT METHODS
The Service reserves the right to select the method in which to remit funds on your behalf to your Biller. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment(funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to your financial institution for payment).

 

PAYMENT CANCELLATION REQUESTS
You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a stop payment request must be submitted.

 

STOP PAYMENT REQUESTS
The Service's ability to process a stop payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any stop payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact Member Service. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each stop payment request will be the current charge for such service as set out in the applicable fee schedule.

 

PROHIBITED PAYMENTS
Payments to Billers outside of the United States or its territories are prohibited through the Service.

 

EXCEPTION PAYMENTS
Tax payments and court ordered payments may be scheduled through the Service, however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from your scheduling of these types of payments. The Service Guarantee as it applies to any late payment related changes is void when these types of payments are scheduled and/or processed by the Service. The Service has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

 

BILL DELIVERY AND PRESENTMENT
This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Billers directly if you do not receive your statements. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:


Information provided to the Biller The Service is unable to update or change your personal information such as, but not limited to, name, address, phone numbers and e-mail addresses, with the electronic Biller. Any changes will need to be made by contacting the Biller directly. Additionally it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by the Biller at the time of activating the electronic bill for that Biller, for purposes of the Biller informing you about Service and/or bill information.

 

Activation — Upon activation of the electronic bill feature the Service may notify the Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from Biller to Biller and may take up to sixty (60) days, depending on the billing cycle of each Biller. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Biller. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Biller reserves the right to accept or deny your request to receive electronic bills.

 

Authorization to obtain bill data — Your activation of the electronic bill feature for a Biller shall be deemed by us to be your authorization for us to obtain bill data from the Biller on your behalf. For some Billers, you will be asked to provide us with your user name and password for that Biller. By providing us with such information, you authorize us to use the information to obtain your bill data.

 

Notification — The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new electronic bills. The time for notification may vary from Biller to Biller. You are responsible for ensuring timely payment of all bills.

 

Cancellation of electronic bill notification — The electronic Biller reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Biller to Biller. It may take up to sixty (60) days, depending on the billing cycle of each Biller. The Service will notify your electronic Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any electronic bills that are already in process at the time of cancellation.

 

Non-Delivery of electronic bill(s) — You agree to hold the Service harmless should the Biller fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Biller directly.

 

Accuracy and dispute of electronic bill — The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Biller. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Biller directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Billers.

 

EXCLUSIONS OF WARRANTIES
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

 

PASSWORD AND SECURITY
You agree not to give or make available your password or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your password or other means to access your account, you are responsible for any transactions they authorize. If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Service at once by calling 855-300-4064 during Member Service hours.

 

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS
If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your password or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly financial institution statement contains transfers that you did not authorize, you must tell us at once. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization after the sixty (60) days if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may extend the period.

 

ERRORS AND QUESTIONS
In case of errors or questions about your transactions, you should as soon as possible notify us via one of the following:

     
  1. Telephone us at 855-300-4064 during Member Service hours;
  2. Contact us by using the application's e-messaging feature; and/or,
  3. Write us at:

CAMPUS USA Credit Union
P.O. Box 147029
Gainesville, FL 32614-7029

If you think your statement is incorrect or you need more information about a Service transaction listed on the statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:

     
  1. Tell us your name and Service account number;
  2. Describe the error or the transaction in question, and explain as clearly as possible why you believe it is an error or why you need more information; and,
  3. Tell us the dollar amount of the suspected error.
  4.  

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification. 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. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we decide to do this, we will provisionally credit your Payment Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Payment Account. If it is determined there was no error we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

 

DISCLOSURE OF ACCOUNT INFORMATION TO THIRD PARTIES
It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

     
  1. Where it is necessary for completing transactions;
  2. Where it is necessary for activating additional services;
  3. In order to verify the existence and condition of your account to a third party, such as a credit bureau or Biller;
  4. To a consumer reporting agency for research purposes only;
  5. In order to comply with a governmental agency or court orders; or,
  6. If you give us your written permission.

 

SERVICE FEES AND ADDITIONAL CHARGES
Any applicable fees will be charged regardless of whether the Service was used during the billing cycle. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize the Service to deduct the calculated amount from your designated Billing Account for these amounts and any additional charges that may be incurred by you. Any financial fees associated with your standard deposit accounts will continue to apply. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

 

FAILED OR RETURNED TRANSACTIONS
In using the Service, you are requesting the Service to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are insufficient funds in your Payment Account to cover the transaction), the transaction will not be completed. In some instances, you will receive a return notice from the Service. In such case, you agree that:

     
  1. You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
  2. For any amount not reimbursed to the Service within fifteen (15) days of the initial notification, a late charge equal to 1.5% monthly interest or the legal maximum, whichever rate is lower, for any unpaid amounts may be imposed;
  3. You will reimburse the Service for any fees imposed by your financial institution as a result of the return;
  4. You will reimburse the Service for any fees it incurs in attempting to collect the amount of the return from you; and,
  5. The Service is authorized to report the facts concerning the return to any credit reporting agency.

 

ALTERATIONS AND AMENDMENTS
This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Service shall provide notice to you. Any use of the Service after the Service provides you a notice of change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates. In addition, as part of the Service, you agree to receive all legally required notifications via electronic means.

 

ADDRESS OR BANKING CHANGES
It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made by contacting Member Service. Any changes in your Payment Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Payment Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Payment Account or contact information.

 

SERVICE TERMINATION, CANCELLATION, OR SUSPENSION
 In the event you wish to cancel the Service, please contact Member Service via one of the following:


  1. Telephone us at 855-300-4064 during Member Service hours; or,
  2. Write us at:

CAMPUS USA Credit Union
P.O. Box 147029
Gainesville, FL 32614-7029

Any payment(s) the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

 

BILLER LIMITATION
The Service reserves the right to refuse to pay any Biller to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Biller designated by you. This notification is not required if you attempt to make a prohibited payment or an exception payment under this Agreement.

 

RETURNED PAYMENTS
In using the Service, you understand that Billers and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Biller's forwarding address expired; Biller account number is not valid; Biller is unable to locate account; or Biller account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Biller, or void the payment and credit your Payment Account. You may receive notification from the Service.

 

INFORMATION AUTHORIZATION
Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. In order to verify ownership of the Payment Account(s) and/or Billing Account, the Service may issue offsetting debits and credits to the Payment Account(s) and/or Billing Account, and require confirmation of such from you. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Biller or your financial institution (for example, to resolve payment posting problems or for verification).

 

DISPUTES
In the event of a dispute regarding the Service, you and the Service 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 the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Member Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

 

ASSIGNMENT
You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

 

NO WAIVER
The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

 

CAPTIONS
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.

 

GOVERNING LAW
This Agreement shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflicts of laws provisions. To the extent that the terms of this Agreement conflict with applicable state or federal law, such state or federal law shall replace such conflicting terms only to the extent required by law. Unless expressly stated otherwise, all other terms of this Agreement shall remain in full force and effect.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

 

ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURE

 

This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities concerning the electronic fund transfers (EFT) services offered to you by CAMPUS USA Credit Union (“Credit Union”). In this Agreement, the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one (1) or more savings and checking accounts you have with the Credit Union. Electronic fund transfers are electronically initiated transfers of money from your account through the EFT services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for remittance transfers, and consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be disclosed to you at the time such services are requested and rendered in accordance with applicable law.

     
  1. EFT SERVICES — If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union. 
       
    1. CAMPUS USA ATM Card
      If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Presto, PLUS, Interlink, Co-Op networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to:          
          
      • Make deposits to your savings and checking accounts.
      • Withdraw funds from your savings, checking, and Express Loan accounts.
      • Transfer funds from your savings, checking, and Express Loan accounts.
      • Obtain balance information for your savings, checking, and Express Loan accounts.
      • Make loan payments from your savings and checking accounts.
      • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry Presto, PLUS, Interlink, Co-Op network logo(s).
      • Access your Express Loan accounts.

      The following limitations on CAMPUS USA ATM Card transactions may apply:          
          
      • There is no limit on the number of cash withdrawals you may make in any one (1) day.
      • You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account.
      • There is no limit on the number of POS transactions you may make in any one (1) day.
      • You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account.
      • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
      • You may transfer up to the available balance in your accounts at the time of the transfer.
      • See Section 2 for transfer limitations that may apply to these transactions.

      Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.
    2.       
    3. CAMPUS USA Visa Check Card
      If approved, you may use your card to purchase goods and services from participating
        merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services  over the Internet, you may be required to provide card number security information before you will be permitted to complete the  transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law.  Funds to cover your card purchases will be deducted from your checking account. For one-time debit card transactions, you must  consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your  consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for  overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the  Schedule of Fees and Charges.

      For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay  the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection  accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account,  you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated  overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification  number (PIN) in ATMs of the Credit Union, Presto, PLUS, Interlink, Co-Op networks, and such other machines or facilities as the Credit  Union may designate.
       
        At the present time, you may also use your card to:
       
          
      • Make deposits to your savings and checking accounts.
      • Withdraw funds from your savings, checking, and Express Loan accounts.
      • Transfer funds from your savings, checking, and Express Loan accounts.
      • Obtain balance information for your savings, checking, and Express Loan accounts.
      • Make loan payments from your savings and checking accounts.
      • Access your Express Loan accounts.
      • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa.
      • Order goods or services by mail or telephone from places that accept Visa.

      The following limitations on CAMPUS USA Visa Check Card transactions may apply:           
           
      • There is no limit on the number of CAMPUS USA Visa Check Card purchases you make per day.
      • Purchase amounts are limited to the amount in your account.
      • You may purchase up to a maximum of $2,500.00 per day.
      • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine.
      • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account.
      • There is no limit on the number of POS transactions you may make in any one (1) day.
      • You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account.
      • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
      • You may transfer up to the available balance in your accounts at the time of the transfer.
      • See Section 2 for transfer limitations that may apply to these transactions.
       
    4. CAMPUS Call
      If we approve CAMPUS Call for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use CAMPUS Call to:      
         
      • Withdraw funds from your savings, checking, Encore Savings, money market, and Express Loan accounts.
      • Transfer funds from your savings, checking, Encore Savings, money market, and Express Loan accounts.
      • Obtain balance information for your savings, checking, loan, club, certificate, IRA, money market, and Encore Savings accounts.
      • Make loan payments from your savings, checking, and Encore Savings accounts.
      • Access your Express Loan accounts.
      • Determine if a particular item has cleared.
      • Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.
      • Verify the last date and amount of your payroll deposit.
      • Place Stop Payment requests.
      • Obtain dividend/interest rate information.
      •      
      Your accounts can be accessed under CAMPUS Call via a touch-tone telephone only. CAMPUS Call service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing.

      The following limitations on CAMPUS Call transactions may apply:
         
      • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.
      • See Section 2 for transfer limitations that may apply to these transactions.

      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. 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. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.
         
    5. Preauthorized EFTs.
         
      • Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your savings and/or checking account.
      • Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your savings and checking account.
      • See Section 2 for transfer limitations that may apply to these transactions.
      • Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us in writing at any time up to three (3) business days before the scheduled date of the transfer. A stop payment request may apply to a single transfer, multiple transfers, or all future transfers as directed by you, and will remain in effect unless you withdraw your request or all transfers subject to the request have been returned.
      • Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment or when the amount would fall outside certain limits that you set.
      • Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized transfer 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.
       
    6. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization.
       
    7. CAMPUS Online Banking. If CAMPUS Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use CAMPUS Online Banking to:
         
      • Withdraw funds from your savings, checking, Encore Savings, money market and Express Loan accounts.
      • Transfer funds from your savings, checking, Encore Savings, money market and Express Loan accounts.
      • Obtain balance information for your savings, checking, loan, club, certificate, IRA, money market, and Encore Savings accounts.
      • Make loan payments from your savings, checking, money market, and Encore Savings accounts.
      • Access your Express Loan accounts.
      • Determine if a particular item has cleared.
      • Obtain tax information on amounts earned on savings, IRA, money market, and checking accounts or interest paid on loan accounts.
      • Verify the last date and amount of your payroll deposit.
      • Make bill payments to preauthorized creditors.

      Your accounts can be accessed under CAMPUS Online Banking via personal computer. CAMPUS Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve 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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.

      The following limitations on CAMPUS Online Banking transactions may apply:
         
      • For security purposes, there are other limits on the frequency and amount of transfers available in CAMPUS Online Banking.
      • See Section 2 for transfer limitations that may apply to these transactions.
       
    8. CAMPUS Mobile. If CAMPUS Mobile is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use CAMPUS Mobile to:
         
      • Withdraw funds from your savings, checking, Encore Savings, money market, and Express Loan accounts.
      • Transfer funds from your savings, checking, Encore Savings, money market, and Express Loan accounts.
      • Obtain balance information for your savings, checking, Encore Savings, IRA, money market, club, certificate, and loan accounts.
      • Make loan payments from your savings, checking, Encore Savings, and money market accounts.
      • Access your Express Loan accounts.
      • Determine if a particular item has cleared.
      • Obtain tax information on amounts earned on savings, checking, IRA, and money market accounts or interest paid on loan accounts.
      • Verify the last date and amount of your payroll deposit.
      • Make bill payments to preauthorized creditors.
      • Access Remote Deposit Capture.

      Your accounts can be accessed under CAMPUS Mobile via mobile device or other approved access device(s). CAMPUS Mobile will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve 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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access.

      The following limitations on CAMPUS Mobile transactions may apply:
         
      • For security purposes, there are other limits on the frequency and amount of transfers available in CAMPUS Mobile.
      • See Section 2 for transfer limitations that may apply to these transactions.
       
    9. CAMPUS Pay. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.

      We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor.

      The following limitations on CAMPUS Pay transactions may apply:

         
      • There is no limit on the number of bill payments per day.
      • For security purposes, there are other limits on the frequency and amount of transfers available in CAMPUS Pay.
       
  2.  
  3. TRANSFER LIMITATIONS — For all savings accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

  4.  
  5. CONDITIONS OF EFT SERVICES — 
       
    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 at our sole discretion without demand or notice. You cannot transfer your card or account to another person.
    2.         
    3. 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.
    4.         
    5. Foreign Transactions – Visa. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

      A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.
    6.         
    7. Security of Access Code. You may use one (1) or more access codes with your electronic fund transfers. The access codes issued to you are for your security purposes. Any access codes issued to you 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. 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. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.
    8.         
    9. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and checking or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may, and is hereby authorized by every other joint account owner, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.
     
  6.  
  7. FEES AND CHARGES — There are certain fees and charges for EFT services. For a current listing of all applicable fees, see our current Schedule of Fees and Charges that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.

    If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any international, national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a funds transfer). The ATM surcharge will be debited from your account if you elect to complete the transaction or continue with the balance inquiry.


  8.  
  9. MEMBER LIABILITY — You are responsible for all transactions you authorize using your EFT services under this Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.

    TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a transaction was made with your card or card number without your permission and was a Visa transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card or access code. For all other EFT transactions, if you were grossly negligent in the handling of your account or card or access code, your liability for an unauthorized transaction is determined as follows.

    If you tell us within two (2) business days after you learn of the loss or theft of your card or access code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500.00.

    Also, if your statement shows transfers that you did not make including those made by card, access code or other means, 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 lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. 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 or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call:
     
    (352) 335-9090
    (800) 367-6440
    (877) 832-9420 (lost/stolen)
    or write to:
     
    Campus USA Credit Union
    PO Box 147029
    Gainesville, FL 32614-7029
    Fax: (352) 335-1092
     
    You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.
     
  10.  
  11. RIGHT TO RECEIVE DOCUMENTATION —
       
    1. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio response transactions, preauthorized EFTs, online/PC transactions, mobile access device transactions or bill payments you make will be recorded on your periodic statement. 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.
    2.         
    3. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM and/or point-of-sale (POS) terminal.
    4.         
    5. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every 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 has been made by calling (352) 335-9090 or (800) 367-6440. This does not apply to transactions occurring outside the United States.
     
  12.  
  13. ACCOUNT INFORMATION DISCLOSURE — We will disclose information to third parties about your account or the transfers you make:
       
    • As necessary to complete transfers;
    • 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;
    • If your account is eligible for emergency cash and/or emergency card replacement services and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s);
    • To comply with government agency or court orders; or
    • If you give us your written permission.
  14.  
  15. BUSINESS DAYS — Our business days are Monday through Friday, excluding holidays.

  16.  
  17. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS — 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:
       
    • If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the transaction involves a loan request exceeding your credit limit.
    • If you used your card or access code in an incorrect manner.
    • If the ATM where you are making the transfer does not have enough cash.
    • If the ATM was not working properly and you knew about the problem when you started the transaction.
    • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
    • If the money in your account is subject to legal process or other claim.
    • If funds in your account are pledged as collateral or frozen because of a delinquent loan.
    • If the error was caused by a system of any participating ATM network.
    • If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers.
    • If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
    • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.
    • Any other exceptions as established by the Credit Union.
    •    
  18.  
  19. NOTICES — All notices from us will be effective when we have mailed them or delivered them to the appropriate address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least 21 days before the effective date of any change. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

    The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities:

       
    • Be aware of your surroundings, particularly at night.
    • Consider having someone accompany you when the ATM or night deposit facility is used after dark.
    • Close the entry door of any ATM facility equipped with a door.
    • 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. If it is after the regular hours of the financial institution and you are using an ATM, do not permit entrance to any person you do not know.
    • 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.
    • 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 card or deposit envelope, and leave.
    • If you are followed after making a transaction, go to the nearest public area where people are located.
    • Do not write your personal identification number (PIN) or access code on your ATM card.
    • Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the nearest available public telephone.
    •    
  20.  
  21. BILLING ERRORS — In case of errors or questions about electronic fund transfers from your savings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem appears. Call us at:
     
    (877) 832-9420
    (352) 335-9090
    (800) 367-6440
    or write to:
     
    CAMPUS USA Credit Union
    PO Box 147029
    Gainesville, FL 32614-7029
    Fax: (352) 335-1092

       
    • Tell us your name and account number.
    • Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information.
    • 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) business days. We will determine whether an error has occurred 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 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 that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

      * If you give notice of an error within 30 days after you make the first deposit to your account, we will have 20 business days instead of ten (10) business days to investigate the error.

      ** If you give notice of an error within 30 days after you make the first deposit to your account, notice of an error involving a point-ofsale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have 90 days instead of 45 days to investigate the error.
    •  
     

    NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances or your account history warrant a delay, in which case you will receive credit within ten (10) business days.

     
  22.  
  23. TERMINATION OF EFT SERVICES — You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect your obligations under this Agreement for any electronic transactions made prior to termination.

  24.  
  25. GOVERNING LAW — This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Florida, and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

  26.  
  27. ENFORCEMENT — You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you. If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any postjudgment collection actions.
  28.  

 

 

AGREEMENT TO RECEIVE ELECTRONIC DELIVERY OF ACCOUNT STATEMENTS AND DOCUMENTS

 

Thank you for considering electronic notifications to receive your periodic account statements and account record information. With eDocuments you will receive your periodic CAMPUS USA Credit Union statements and other available electronic documents sooner than you would via US Mail, and it’s better for the environment!

By choosing eDocuments, you consent to receive CAMPUS Electronic Statements and Documents and replace all of your future paper account statements and notifications.

What do E-Documents include?
eDocuments include periodic statements for all savings accounts, checking accounts, club accounts, certificates of deposit, IRA accounts and loans. If you select eDocuments, you will also be consenting to electronic delivery, at CAMPUS USA Credit Union’s sole option, of all electronic records, such as disclosures, agreements, contracts, receipts, notices, modifications, amendments, and all other evidence of CAMPUS USA Credit Union transactions with you or on your behalf.

Email Address Requirement
You agree to provide CAMPUS USA Credit Union with an email address for you to receive statement availability notifications and electronic records. You agree that if you change your email address, it is your responsibility to provide CAMPUS with a new email address for your CAMPUS eDocument notifications. You may provide CAMPUS USA Credit Union with your new email address by logging in to your account through CAMPUS Online Banking. Click the "eDocuments" tab, the "Settings" tab, then "Address Change" and change your email address. Then click "Submit."

Equipment and Software Requirements
To receive eDocuments and to access CAMPUS Online Banking service, you need Internet access and a web browser, (such as Microsoft’s Internet Explorer or Safari) and you must be enrolled for CAMPUS Online Banking. For further information and assistance, call 1-800-367-6440 and press 5. By selecting to receive eDocuments, you represent that you have such equipment and software and that you can download, access, read, review, print and store the eDocuments CAMPUS provides to you.

Accessing eDocuments
eDocuments may only be accessed after you login to your CAMPUS Online Banking account at www.campuscu.com. eDocuments for the prior calendar month (or quarter, if you receive only quarterly statements) will be available for viewing within five (5) business days of the last business day of the calendar month (or quarter). When eDocuments are available for your review, you will be notified at the email address you provided within CAMPUS Online Banking. eDocuments posted to CAMPUS Online Banking will remain available for at least 90 days. Any eDocument posted to CAMPUS Online Banking will be considered delivered on the day that it was first made available for your viewing.

Your Rights to Receive Paper Statements and to Withdraw Consent
You have a right to receive paper copies of any electronic records if applicable law specifically requires CAMPUS to provide such documentation. You may withdraw your consent to receive eDocuments at any time. To withdraw your consent to receive eDocuments, or to request a paper copy of your statements, contact CAMPUS in person at any branch office; or call (352) 335-9090, Gainesville; (386) 754-9088, Lake City; (352) 237-9060, Ocala; or toll-free at (800) 367-6440; or write us at: CAMPUS USA Credit Union, P.O. Box 147029, Gainesville, Florida 32614-7029. You may also withdraw your consent to receive eDocuments at any time by logging in to CAMPUS Online Banking and clicking on the "eDocuments" tab, "Settings," "Discontinue/Resume Account," and then check the "Discontinue" box. Any notice will not become effective until received by CAMPUS and CAMPUS has had sufficient time to act on it (up to two (2) business days). A fee to cancel this service or to request paper copies of statements or electronic records may be imposed as set forth in your Rate and Fee Schedule.

Electronic Signature
You consent and agree that your use of a key pad, mouse or other device to select an item, button, icon or similar act/action while using any electronic service CAMPUS offers; or in accessing or making any transactions regarding any agreement, acknowledgment, consent, terms, disclosures or conditions constitutes your signature, acceptance and agreement as if actually signed by you in writing. Further, you agree that no certification authority or other third party verification is necessary to the validity of your electronic signature and that the lack of such certification or third party verification will not in any way affect the enforceability of your signature or any resulting contract between you and CAMPUS.

Agreement: You consent that CAMPUS may communicate with you electronically as necessary. You further consent that CAMPUS may provide to you electronically all periodic statements and electronic records. CAMPUS reserves the right to send any or all electronic records or statements to you in paper form to your current mailing address in CAMPUS USA Credit Union’s file.

The selection to receive your statements and documents electronically will become effective immediately and means that you will no longer receive paper statements and additional account documents in the U.S. Mail. By accepting below, you acknowledge that you have read and agree to the terms in this "AGREEMENT TO RECEIVE ELECTRONIC DELIVERY OF ACCOUNT STATEMENTS AND DOCUMENTS". This Agreement, including the validity of any signatures or consents, any claims, or any disputes arising hereunder shall be construed in accordance with and governed by the Laws of the State of Florida.

 

MOBILE DEPOSIT AGREEMENT AND DISCLOSURE

 

Addendum to the Electronic Funds Transfer Agreement and Disclosure
January 19, 2016

This Mobile Deposit Agreement and Disclosure (”Agreement”) is an addendum to the Electronic Funds Transfer Agreement and Disclosure, and covers your and our rights and responsibilities concerning the mobile deposit services offered to you by CAMPUS USA Credit Union. In this Agreement, the words “you,” “your,”  and “Account Holder” mean the consumer that applied for and/or uses any of the Mobile Remote Deposit Capture Services (“Mobile Deposit,” “Service”) described in this Agreement. The words “we,” “us,” “our,” “ours,” and “the Credit Union” mean CAMPUS USA Credit Union.

You understand that your use of Mobile Deposit constitutes your acceptance of the terms and conditions of this Agreement. You agree to comply with the hardware and software requirements of the Service set forth by the Credit Union and our service providers.

USE OF SERVICE
If we approve Mobile Deposit for your accounts, you will be authorized by us to remotely deposit a valid paper check (“check,” “item”) that has been made payable to you, or to a joint owner on your CAMPUS USA Credit Union account (“Account”), or to the Credit Union, to your Account by using Mobile Deposit to electronically transmit a digital image of the check (“image,” “item”) to us. Upon receipt of an image, we will review the image for acceptability. You understand that our receipt of the image does not mean that the image will be accepted for deposit into your Account, and that you may be asked for additional images of the check or for more information before the image will be considered for deposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right within our sole and absolute discretion to accept or reject any item for deposit into your Account.  You understand that any amount credited to your Account for any item deposited using the Service will be considered provisional until such time that we receive payment for the item from the financial institution on which the item was drawn.

You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your account, and that we are not responsible for any image that we do not receive.

You agree that you will not:

  • Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or de-compile the technology or the Service;
  • Copy or reproduce all or any part of the technology or the Service; or
  • Interfere, or attempt to interfere, with the technology or the Service.
  •  

ELIGIBILITY FOR MOBILE DEPOSIT
In accordance with the Credit Union’s Membership Agreement and Electronic Funds Transfer Agreement and Disclosure, the member’s electronic consent is required prior to the provision of electronic services, including Mobile Deposit. To qualify, the account must meet the following criteria:

  • Account must have an open checking and savings subshare

CAMPUS USA Credit Union reserves the right to modify the eligibility criteria at any time without notice.

COMPLIANCE WITH LAW
You agree to use our products and the Service for lawful purposes and in compliance with all applicable laws, rules and regulations, as well as all laws pertaining to the conduct of your business, if applicable. You warrant that you will only transmit valid items that are acceptable to us for deposit, and that all original checks and items have been handled in accordance with applicable laws, rules and regulations. You promise to indemnify and hold CAMPUS USA Credit Union harmless from any damages, liabilities, costs, expenses (including attorneys’ fees) or other harm arising out of any violation thereof, or that arise due to our acceptance of any item you submit for deposit. This indemnity will survive the termination of your Account and this Agreement.

LIMITATIONS ON DEPOSIT FREQUENCY AND DOLLAR AMOUNT
You understand and agree that there are limitations on deposit dollar amounts and number of daily deposited items of remote deposits made through Mobile Deposit, that you will not exceed these limits, and that we may change these limits from time to time without notice. To inquire about credit union limits contact us.

CHECK AND CHECK IMAGE REQUIREMENTS
Any image of a check that you transmit to us must accurately and legibly provide all the information on the front and back of the check at the time it is presented to you by the payer. Prior to capturing the image of the original check, you will endorse the back of the check. Your endorsement will include your signature, Account Number and the date (month, day, and year) of image capture.

A check and any image of a check transmitted via the Service must include the accurate and legible presentation of the following and other features as appropriate:

  • Pre-printed information that identifies the check payer and the financial institution on which the original check is drawn;
  • The MICR encoded account number and financial institution routing and transit number;
  • The date the check was written;
  • The payer’s signature(s); and
  • Other information placed on the check prior to the time an image of the check is captured, such as any endorsements applied to the back of the check.
  • The image quality of the check will meet the standards for image quality established by the American National Standards Institute (“ANSI”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association.
UNACCEPTABLE DEPOSITS
You understand and agree that you are not permitted to deposit the following items using the Service:
  • Any item drawn on your account.
  • Any item that is stamped “non-negotiable,” “void,” or any other word or phrase indicating that the item is not valid.
  • Any item that appears to contain altered information.
  • Any item issued by a financial institution in a foreign country, or is written for an amount in non-U.S. currency.
  • Any item that is incomplete or contains incomplete information.
  • Any item that is “post-dated” or “stale-dated” per our current guidelines.
  • Any third party check, i.e., any item that is made payable to another party and then endorsed to you by that party.
  • Any item that has been previously negotiated or deposited into any account.
  •  

REJECTION OF DEPOSIT
You understand that you are solely responsible for any service charges, overdraft charges, late fees, and returned check/non-sufficient funds charges levied against you, your Account, or any accounts you may have at other financial institutions that may result from our rejection of any item, check holds, or deposit delays of any kind. You understand that if an item you transmit to us for deposit is rejected, you will NOT receive a notification through your mobile device if your deposit does not post to your account. It is your responsibility to ensure that your deposit has been credited to your account by reviewing your account history.

DEPOSITED ITEMS RETURNED UNPAID
In the event that an item that you transmit  to us for remote deposit for credit to your Account is dishonored, rejected, or returned for any reason, you authorize us to debit the amount of the item from your Account, or offset the amount from any of your other accounts, and assess appropriate fees per the Fee Schedule. You understand that returned deposit activity may result in the cancellation of your Mobile Deposit privileges.

SERVICE UNAVAILABILITY
You understand and agree that the Service may, at times, be temporarily unavailable due to system maintenance or technical difficulties that are within or beyond our control, including but not limited to those of the Internet service provider, cellular service provider, and/or Internet software. In the event that the Service is unavailable, you understand that you can deposit an original check at a branch, through our ATMs, or by mailing the original check to us at PO Box 147029, Gainesville, FL 32614. It is your sole responsibility to verify that items deposited using the Service have been received and accepted for deposit by us.

BUSINESS DAY AND FUNDS AVALIABILITY DISCLOSURE
You understand and agree that, for purposes of deposits made using the Service:

  • Deposits received via the Service are processed on our Mobile Deposit business days, which are Monday through Friday, excluding holidays, until 3:00pm Eastern Standard Time;
  • Deposit items that we receive after 3:00pm daily will not be deposited to your account until the end of the following business day. Deposits made after 3:00pm Eastern Standard Time on a Friday that is a business day, and at any time on a Saturday, Sunday, or holiday, will not be deposited into your Account until the end of the next business day that we are open;
  • The earliest that funds deposited after 3:00pm via the Service will be available for withdrawal or to pay checks that you have written would be: the next business day unless a hold is placed.  Any amount over $500 will be on hold for two (2) additional business days after the business day on which we receive the deposit;
  • Check holds or unavailability of the Service may cause further delays in availability of funds beyond that time.
  • Checks deposited via the Service do not fall under the regulatory provisions of Regulation CC - Expedited Funds Availability Act. As such, longer hold periods may apply to these deposited items.

LONGER DELAYS MAY APPLY
You understand that funds deposited via the Service, while generally available by the second business day after we receive them, may be delayed for a longer period under the following circumstances:

  • We believe a check you have deposited will not be paid.
  • You deposit checks totaling more than your average account balance on any one day via Mobile Deposit, a branch, an ATM, or a combination thereof.
  • You re-deposit a check that has been returned unpaid.
  • Your account has been overdrawn repeatedly in the last six (6) months.
  • There is an emergency, such as failure of computer or communications equipment.

INTERNAL CONTROLS
You understand and agree to adhere to the Internal Controls as described in this Agreement.

ACCOUNT HOLDER’S WARRANTIES
You make the following warranties and representations with respect to each image of an original check you transmit to us utilizing the Service:

  • Each image of a check transmitted to us is a true and accurate rendition of the front and back of the original check, without any alterations.
  • The amount, payee, signature(s), and endorsement(s) on the original check are legible, genuine, and accurate.
  • You will not deposit or otherwise endorse to a third party the original item (the original check) and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the item (either the original item, or a paper or electronic representation of the original item) such that the person will be asked to make payment based on an item it has already paid.
  • Other than the digital image of an original check that you remotely deposit through the Service, there are no other duplicate images of the original check.
  • You have not knowingly failed to communicate any material information to us.
  • You have possession of each original check you have deposited using the Service and no party will re-submit any original check for payment that has already been submitted to us or to another financial institution.
  • Files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

STORAGE OF ORIGINAL CHECKS
You must securely store each original check that you deposit using the Service for a period of ninety (90) days after transmission to us. You understand and agree that you are responsible for any loss caused by your failure to secure the original checks.

ACCOUNTHOLDER’S INDEMNIFICATION OBLIGATION
You understand and agree that you indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from your use of the Service and/or breach of this Agreement. You understand and agree that this indemnification shall survive the termination of this Agreement.

IN CASE OF ERRORS

In the event that you believe there has been an error with respect to any original check or image transmitted to us for deposit or a breach of this Agreement, you will immediately contact us regarding such error or breach as set forth below at 800-367-6440, option 5, or at any of our service centers.

PERIODIC STATEMENT AND ERROR RESOLUTION
Any remote deposits made through the Service will be reflected on your monthly account statement.  You understand  and agree that you are required to notify us of any error relating to images transmitted using the Services by no later than sixty calendar days (60 days) after the date of the monthly periodic statement on which the allegedly erroneous transaction appears. You are responsible for any errors that you fail to bring to our attention within such a time period.

LIMITATION OF LIABILITY
You understand and agree that we are not responsible for any indirect, consequential, punitive, or special damages or damages attributable to your breach of this Agreement.

WARRANTIES
YOU  UNDERSTAND   THAT   CAMPUS USA  CREDIT  UNION   DOES  NOT MAKE ANY WARRANTIES REGARDING ANY EQUIPMENT, HARDWARE, SOFTWARE, OR INTERNET  PROVIDER SERVICE, OR  ANY  PART  OF  THEM,  EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY  OR FITNESS FOR A PARTICULAR PURPOSE. CAMPUS USA CREDIT UNION IS NOT RESPONSIBLE FOR ANY LOSS, INJURY OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE INTERNET PROVIDER, ANY RELATED SOFTWARE, OR THE CREDIT UNION’S USE OF ANY OF THEM OR ARISING IN ANY WAY FROM THE INSTALLATION, USE, OR MAINTENANCE OF YOUR PERSONAL COMPUTER HARDWARE, SOFTWARE, OR OTHER EQUIPMENT.

CHANGE IN TERMS
We may amend, modify, add to, delete from, or change the information or terms for the Service indicated in this Agreement from time to time without notice to you, and you agree to accept these changes to information and terms.

TERMINATION OF THE SERVICES
You may terminate the Service provided for in this Agreement by contacting us in writing at PO Box 147029, Gainesville, FL, via email, by calling us at 800-367-6440, option 5, or in person at any CAMPUS location. We may terminate your use of the Service at any time without notice. In the event of termination of the Service, you will remain liable for all transactions performed on your Account.

RELATIONSHIP TO OTHER DISCLOSURES
The information in these Disclosures applies only to the Services described herein. Provisions in other disclosure documents, as may be revised from time to time, remain effective for all other aspects of your Account.

GOVERNING LAW
You understand and agree that this Agreement and all questions relating to its validity, interpretation, performance, and enforcement shall be governed by and construed in accordance with the internal laws of the State of Florida, notwithstanding any conflict-of-laws doctrines of such state or other jurisdiction to the contrary. You also agree to submit to the personal jurisdiction of the courts of the State of Florida.

CONFIDENTIALITY
You acknowledge and agree that confidential data relating to our Services, marketing, strategies, business operations and business systems (collectively, “Confidential Information”) may come into your  possession in connection  with  this  Agreement and Disclosure.  You understand and agree that you are prohibited from disclosing and agree to maintain the confidentiality of our Confidential Information.

WAIVER
The failure of either party to seek a redress for violation, or to insist upon the strict performance of any covenant, agreement, provision, or condition hereof shall not constitute the waiver of the terms or of the terms of any other covenant, agreement, provision, or condition, and each party shall have all remedies provided herein with respect to any subsequent act which would have originally constituted the violation hereunder.

RELATIONSHIP
This Agreement does not create, and shall not be construed to create, any joint venture or partnership between the parties. No officer, employee, agent, servant, or independent contractor of either party shall at any time be deemed to be an employee, servant, agent, or contractor of the other party for any purpose whatsoever.

ONLINE SERVICES AGREEMENT AND DISCLOSURE

 

This Online Services Agreement and Disclosure (the "Agreement") is entered into between CAMPUS USA Credit Union (the "Credit Union") and the undersigned member of the Credit Union, who hereby subscribes to the Credit Union’s Online Banking ("online services"). This Agreement contains the terms and conditions governing the online services. The member is referred to in this Agreement as "you" or "your". The Credit Union is referred to in this Agreement as "Credit Union", "we", "us", and/or "our". If you use the online service or permit another to use the online service on your behalf, you agree to the terms and conditions stated in this Agreement.

SCOPE OF AGREEMENT
Other Accounts, Loan Agreements and Services.
This Agreement governs online access to your accounts with the Credit Union. The terms and conditions set forth herein are in addition to, and do not cancel or supersede, any other agreements or signature cards governing your deposits, loans or other business relationships with the Credit Union. All of the terms, conditions, agreements, representations, schedules, disclosures, and fees set forth in or associated with such other agreements and signature cards remain in full force and effect. However, the persons you authorize to have access to and make transfers or payments from your account(s) through the online service may not be the same persons who are authorized to sign on the account under your other agreements and signature cards with us, or you may give them greater authority to conduct activities through the online service than they have under your other agreements and signature cards with us. In cases where your authorizations to other persons do not coincide with your authorizations for the same account(s) under the signature card agreement(s), the signature card agreement(s) will govern the online service transactions.

Instructions
Any instructions we may issue for the use of Online Banking are subject to any applicable notice requirements imposed by the Electronic Fund Transfer Act ("EFTA") and Regulation E ("Reg. E"), the Credit Union may change, modify the instructions for the online service, or otherwise amend this Agreement in whole or in part at any time.

Termination
Either you or the Credit Union may terminate this Agreement at any time upon giving written notice of the termination to the other party. Termination will not affect any liability or obligation of either party incurred hereunder prior to termination. For reasonable cause, including inactivity or excessive, inappropriate or unlawful usage, the Credit Union reserves the right to terminate this Agreement and your access to the online service, in whole or in part, at any time without prior notice to you.  Upon termination, we reserve the right to make no further transfers or payments from your account(s) pursuant to this Agreement, including payments or transfers you have previously authorized. If you terminate your online services, you authorize the Credit Union to continue making transfers you have previously authorized until such time as the Credit Union has had a reasonable opportunity to act upon your termination notice. You agree that upon termination of your online services, either by you or by us, you will cancel all automatic or recurring transfers you have previously authorized, and that if you fail to do so, you are responsible for such payments.

DESCRIPTION OF AND LIMITATIONS ON THE ONLINE SERVICE
General Description of Online Services.

In general, the Online Banking service package enables you to:

  • search transaction histories and obtain balance information on accounts with the Credit Union which may include checking, savings, money market checking, certificates of deposit, loans, and lines of credit.
  • transfer funds between your transaction accounts at the Credit Union
  • transfer funds between your transaction accounts at the Credit Union and other members accounts
  • transfer funds between your transaction accounts at the Credit Union and external accounts at another financial institutions
  • make payments on your loan accounts at the Credit Union
  • communicate with Credit Union staff through a secure message facility
  • establish reminders and account alerts

This list is not exhaustive and the Credit Union may offer additional or different online services in the future, all of which will be governed by this Agreement, as amended.

The Online Banking is referred to in this agreement as "online services".

The Online Banking is available by request to eligible members with prior Credit Union approval.  To be granted use of online services, a member must be in good standing for a reasonable period of time.  Online Banking is separate services that must be requested separately by online enrollment.

Types of Transfers and Limitations.
You can make an internal transfer of funds from one account with the Credit Union to another, such as a transfer from a savings account to a checking account. Transfers may be limited in amount as provided in our agreements with you governing these services or in accordance with Credit Union policies. In addition, your ability to transfer funds between certain accounts is limited by federal law, as stated in your deposit agreements with us. For example, you can make no more than six (6) transfers from a savings account during each statement period. Transfers made using both the online service and other transfer methods described in the Deposit Agreements are counted against the permissible number of transfers. The Credit Union reserves the right to further limit the frequency and dollar amount of transactions from your accounts for security or credit reasons, as the Credit Union may determine at any time at its sole discretion.

External Funds Transfer Service
1) From any eligible Credit Union account to a verified account or 2) from a verified account to any eligible Credit Union account, the Credit Union will use the ACH Network to execute your requests, but other methods of transfer may also be used. All requests must be made through the Online Banking External Funds Transfer Service and are subject to the terms of your Membership Agreement, this agreement, are in effect from time to time, and with applicable laws and regulations.

Authorization to Transfer Funds
You hereby represent and warrant to the Credit Union you own each of your accounts, verified such accounts, and have full right and authority to all of the funds on deposit therein. In addition, you authorize the Credit Union to execute and charge your eligible account(s) for any transfer requests, including any related fees, subject to any applicable limit as to dollar amount (if applicable). You understand and acknowledge we are under no obligation to execute any request for transfers which are not initiated in accordance with proper procedures. You further acknowledge the acceptance and processing of all transfer requests 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 that you have revoked your authorization and we have had a reasonable opportunity to act upon it. The Credit Union reserves the right to change this agreement at any time.

Information Relied Upon by the Credit Union
You acknowledge and agree the Credit Union is relying upon the information you provide in originating a transfer on your behalf. Errors in the information are your responsibility, including incorrect or inconsistent account names, numbers, ABA information, or name of financial institution holding your verified account. Although you represent and warrant to the credit union you are the owner of each verified account and describe it to us by name and account number, you understand and agree if the 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 some financial institutions holding your verified accounts may not investigate discrepancies between names and numbers. In addition, you agree the Credit Union has no responsibility to investigate discrepancies between names and account numbers in this or any instances.

Verification of Identity and Account Ownership
You agree to provide any additional information requested (if needed), you will need to enroll accounts you hold at other financial institutions. When you register for this service, you also authorize the Credit Union to obtain information from any financial institution(s) holding your external deposit accounts in order to confirm your access to and/or ownership of the external deposit accounts. You also authorize the Credit Union to request information regarding you and your external deposit accounts from other third party sources to verify your identity, account ownership, protect against fraud, confirm your pattern of use or exceptional use, comply with applicable law or otherwise as is reasonably necessary to provide the External Funds Transfer Service to you.

The Credit Union is under no obligation to you, or any other person, to verify or confirm your identity, registration information, or your ownership of the external deposit accounts; or to confirm that your deposit accounts held at the Credit Union and the external deposit accounts at another financial institution are held in the same name and/or legal capacity. You represent and warrant your deposit accounts held at the Credit Union and the external deposit accounts held at another financial institution that utilize this service are held in the same name or legal capacity or you have the authority to make deposits and withdrawals. You agree to provide true, accurate, current, and complete information about yourself and your external deposit accounts held at other financial institutions and you agree to not misrepresent your identity or your deposit account information.

The External Funds Transfer Service will use the Member Validation Method to verify your control and authority to access the external deposit accounts held at other financial institutions. You must undertake this account verification option in order to use the External Funds Transfer Service for each financial institution you want to set up.

Member Validation Method
By using the Member Validation Method to verify deposits, you authorize the Credit Union to make up two (2) micro-deposits (each less than $1.00) to the external deposit account(s) specified by you. You will thereafter verify to the Credit Union the amounts of each micro-deposit made to the external deposit account owned by you and held at the other financial institution to validate the transactions. This process is a security measure to ensure your ownership of the external deposit account. Upon validation you are granted access to begin external transfers. You may not initiate any external transfers until the Member Validation is complete.

Limits on External Funds Transfers
For purposes of monthly transfer limits, a month means thirty (30) calendar days immediately prior to the date on which a funds transfer request is originated by the Credit Union.

We do limit the number of funds transfers you may make. You may not make funds transfers in excess of the number of funds transfers allowed for accounts that are subject by applicable law. The Credit Union may from time to time, at our discretion and for security and risk management purposes, modify the daily or monthly limits, the frequency, or the dollar amounts of each transfer made using this service. For further information on limits contact the Credit Union at 800-367-6440 press 5 or stop into a service center.

Processing External Funds Transfers
Outbound transfers from this service will be considered as a one (1) business day transfer. An external transfer request remains in “processing” status until fully processed. Transfers in “processing” status will appear in “Transfer History” within the “Transfer” tab in online banking. Next -business day transfers typically remain in “processing” status until the close of the next business day after the transfer request is initiated.

Requests for external funds transfers will be initiated on the current business day so long as it is initiated by the cutoff time of 3:00 p.m. If you initiate a transfer that is not on a business day or on an established holiday, the Credit Union will not process your request until the next business day.

Unsuccessful, Rejected, Delays and Cancellations
If an external transfer fails to be executed, the Credit Union will notify you, at our discretion, so you will understand the nature and reason for such failure; we will notify you either in writing, via e-mail, conventional mail, or messages delivered through the service.

The Credit Union may reject any request for transfer at any time for any reason, at its discretion; for example, The Credit Union may reject your request if the request for the dollar amount of one or more of your transfers exceeds your daily or monthly transfer limit, if your account exceeds its available funds, if your request is incomplete, if the Credit Union identifies a security risk related to you or the requested transfer(s), or if we are unable to fulfill the request for any other reason. You understand and agree if the Credit Union rejects a request for an external transfer for any reason, you will be informed during your online session or via a secure message within home banking as soon thereafter.

You may cancel or amend an external funds transfer request only if we receive your request prior to the execution of the external funds transfer and at a time which provides us with a reasonable opportunity to act upon the request. The Credit Union will not be liable to you for any loss resulting from the failure of the beneficiary bank to agree to the recall or amendment of your external transfer request.

You agree the Credit Union will not be responsible for any delay, failure to execute, or mis-execution of your external funds transfer request due to circumstances beyond our control; including without limitation, any inaccuracy, interruption, delay in transmission, or failure in the means of transmission of your request to the bank or execution of such request, whether caused by power failures, equipment malfunctions, or acts or omissions of any intermediary bank or beneficiary bank. The Credit Union makes no warranties, express or implied, including the failure of any intermediary bank or beneficiary bank to credit you or your beneficiary with the amount of the external funds transfer after receipt of same with respect to any matter.

Suspension and Reinstatement of Funds Transfer Service
In the event we, at any time, incur a problem with your use of the service, including without limitation, a failure in the external funds transfer service to debit any of your accounts or to collect with respect to any of your funds transfers as described above, and without limiting any other right or remedy we may have under this agreement or otherwise, we reserve the right to suspend your use of the service, immediately, and without prior notice to you. You understand and agree such action is reasonable for the Credit Union to take in order to protect itself from loss. In the event of such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this agreement (see “Error Resolution” below). The Credit Union reserves the right, in its sole discretion, to grant or deny reinstatement of your use of the service. In the event we agree to reinstate you, we reserve the right to, and ordinarily will, initially reinstate your service subject to lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to you.

Based upon your subsequent usage of the service, the Credit Union, in its sole discretion, may thereafter restore your ability to effect transfers subject to higher limits as then may be in effect (see “Limits on Funds Transfers” above).

Unauthorized Transfers and Liability
If you think someone else has compromised your access to the Online Banking External Funds Transfer Service, an unauthorized external transfer or other type of online transaction has been made from one of your accounts, you must notify the Credit Union immediately by e-mail at: info@campuscu.com; by phone at (800) 367-6440 and press 5, or by mail by writing to: CAMPUS USA Credit Union, P.O. Box 147029, Gainesville, FL 32614.

Means of Transfer
The external transfer service is available for funds transfers to verified accounts in the United States only and transfers are made in U.S. dollars only.

You understand the Credit Union has a variety of banking channels and means to make external transfers; however we will normally use the ACH Network (Automated Clearing House). We may choose any reasonable means suitable to complete a transfer that is necessary to successfully complete your request.

You agree to be bound by the rules and regulations that govern any applicable funds transfer systems, including, but not limited to, CHIPS or the ACH Network as published by the National Automated Clearinghouse Association (NACHA), and the Federal Reserve Banking System. You agree not to effect any funds transfers from or to an account that are not allowed under the rules or regulations applicable to such accounts including, without limitation, to rules or regulations designated to prevent the transfer of funds in violation of OFAC regulations. You further expressly agree not to originate any transactions which violate the laws of the United States of America. We shall make all reasonable efforts to ensure your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest earned will be the property of the credit union. We further reserve the right to terminate or suspend this agreement upon no more than ten (10) business days’ notice should you be in violation of any of the applicable rules and regulations governing the ACH Network, including but not limited to the NACHA Operating Rules.

Overdrafts; Order of Payments
It is your responsibility to ensure that you have enough money or credit available in an account from which you instruct us to make transfer or payment. If funds are withdrawn from any of your accounts by means of electronic fund transfers, other than through the online service on the same business day as the online service transaction, and if the account contains insufficient funds to enable both the electronic fund transfer and the online service transfer to be made, the transfers will be made in the order determined by the Credit Union, at its sole discretion. You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree to reimburse us upon our demand, and you further agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permitted by the applicable law and the terms of any other relevant agreements.

Computer Requirements
In order to use Online Banking, you must have an Internet Service Provider and a computer containing a supported browser software or have access to such a computer. In this Agreement, your computer and the related equipment and software are referred to together as your "Computer". You are responsible for the installation, maintenance, and operation of your Computer and your software.

User ID and Security
To gain access to Online Banking you will be required to register and the Credit Union will authenticate your information and email, call or text you a secure code to continue your registration login process. Once the secure access code is verified you will then set up the User ID and Password.  Use of your login credentials is the agreed security procedure between you and the Credit Union. You should keep your login credentials confidential in order to prevent unauthorized use of Online Banking. Anyone to whom you give or disclose your login credentials, either deliberately or inadvertently, will have access to your accounts. You are responsible for all transactions against your account(s) made using Online Banking, including any transactions that may be unintentionally or inadvertently authorized or made, and any losses, charges, or penalties incurred as a result. In addition, except as otherwise provided in this Agreement, you are responsible for transactions by unauthorized persons using your login credentials.

You will be required to change the User ID and Password upon your first entry into the system and change the Password every (365) days thereafter.  You may change your User ID or Password at any time via the Online Banking service. We will clear your User ID and/or assign you a new Password upon your request at any time. Any Password we assign you will be usable only once, and you will be required to change it the first time you use it to enter the system. YOU ARE RESPONSIBLE FOR KEEPING YOUR USER ID, PASSWORD AND ACCOUNT DATA CONFIDENTIAL.

We reserve the right to deactivate any User ID that has been "inactive" for a period of three (3) months or more. If your User ID has been deactivated, you will be required to go through the registration process again to restore access to Online Banking. You may not receive advance notice of User ID deactivation.

Reporting Unauthorized Transaction or Theft or Loss of User IDs.
If you believe that an unauthorized transaction has been or may be made from your account, alert the Credit Union immediately by calling us at (800) 367-6440 and press 5, email the Credit Union at info@campuscu.com or write us at: CAMPUS USA Credit Union, P.O. Box 147029, Gainesville, FL 32614.

No Signature Required.
When using Online Banking, you agree that the Credit Union, without prior notice to you, may execute transfers between accounts or payments against loans as instructed by you using the online service, without securing your signature by hand or by legally acceptable form of electronic signature.

RESPONSIBILITY OF PARTIES
Confidentiality and Access to Online Service.
The Credit Union shall exercise due care in seeking to preserve the confidentiality of your User ID and to prevent access to the online service in general and your accounts in particular by unauthorized persons. It is understood and agreed that implementation by the Credit Union of its normal procedures for maintaining the confidentiality of information relating to its members and preventing unauthorized transactions shall constitute fulfillment of its obligation to exercise due care. The Credit Union shall not be under any liability or have any responsibility of any kind for any loss incurred or damage suffered by you by reason or in consequence of any unauthorized person gaining access to or otherwise making use of your accounts through the online service if (i) the Credit Union has fulfilled its obligation of due care, or (ii) the loss or damage could have been avoided had you promptly notified the Credit Union when you received knowledge or notice of an unauthorized transaction or other breach of security, or (iii) the unauthorized transaction was a transfer of funds to an account owned by you or by any person or entity which controls, is controlled by, or is under common control with you. You assume full responsibility for the consequences of any misuse or unauthorized use of or access to the online service system or disclosure of any of your confidential information or instructions by your employees, agents or other third parties. When the Credit Union becomes aware of any unauthorized access to your accounts, it will advise you as promptly as practical thereafter.  For all purposes above, “promptly” shall generally be defined as within two (2) business days after discovery of the unauthorized access.

Hardware and Software Malfunctions
The risk of error, failure, incompatibility or nonperformance of your computer system is your risk and includes the risk that you do not operate your computer or your software correctly. The Credit Union is not responsible for any errors or failures from any malfunction of your computer or your software. The Credit Union shall have no liability to you for any damage or other loss, direct or consequential, which you may suffer or incur by reason of your use of your computer or your software. THE CREDIT UNION MAKES NO WARRANTY TO YOU REGARDING YOUR COMPUTER OR YOUR SOFTWARE, INCLUDING ANY WARRANTY OF MERCHANTIBILITY OR FITNESS FOR A PARTICULAR PURPOSE. The Credit Union makes no representations or warranties regarding the accuracy, functionality, or performance of any third party software that may be used in connection with the online service (e.g. Quicken, Microsoft Money).

The Credit Union is not responsible for nor shall have any liability for any loss or damage, direct or consequential, from electronic viruses, worms, trojans, keystroke loggers, spyware or any other “malware” that you may encounter on your computer using your internet access provider or on any computer system with which you choose to access the Credit Union’s online services. WE STRONGLY ENCOURAGE YOU TO INSTALL, PROPERLY USE, AND KEEP UP-TO-DATE ANTI-VIRUS, ANTI-SPAM, ANTI-SPYWARE AND FIREWALL SOFTWARE AND/OR HARDWARE PRODUCTS FROM RELIABLE, REPUTABLE PROVIDERS TO PROTECT YOUR COMPUTER’S ONLINE SECURITY.

Limitation of Liability
IN NO EVENT SHALL THE CREDIT UNION BE LIABLE FOR SPECIAL, INDIRECT, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL LOSS OR DAMAGE OF ANY KIND INCLUDING LOST PROFITS WHETHER OR NOT THE CREDIT UNION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH LOSS OR DAMAGE.

MISCELLANEOUS
Periodic Statements
Your online service payments and transfers will be indicated on the normal monthly statements we provide or make accessible by mail or delivery service. You have a right under federal law to receive such statements for accounts governed by the EFTA and Reg. E. We may also provide or make accessible to you statement information electronically or by some other means. You agree to notify us promptly if you change your address or if you believe there are errors or unauthorized transactions in any statement, or statement information.

Business Days and Hours of Operation
The Credit Union’s online services are generally available twenty-four (24) hours a day, seven (7) days a week. However, at certain times, some or all of the online service may not be available due to scheduled or unscheduled system maintenance. During these times, you may use the Credit Union (if open), a Credit Union ATM or Telephone the Credit Union to conduct your transactions. A transfer initiated through the online service before 3:00 P.M. (Eastern Standard Time) on a Business Day is generally posted to your account the same day. Transfers completed after 3:00 P.M. (Eastern Standard Time) on a Business Day or on a Saturday, Sunday or federal holiday will be posted on the next Business Day. Our Business Days are Monday through Friday and Saturday. Sundays and federal holidays are not included.

Notices and Communications
Except as otherwise provided in this Agreement, all notices required to be sent to you will be effective when we mail or deliver them to the last known address that we have for you in our records. Notices from you will be effective when received by mail at the address specified in Section 2.8 above.

E-Mail Communications.
In general, e-mail communications sent over the public internet via traditional e-mail systems are not necessarily secure. Therefore, the Credit Union will not send and we strongly suggest that you do not send any confidential personal or account information via traditional internet e-mail. We will not respond to account information related questions sent via internet e-mail. You agree that we may take a reasonable time to act on any e-mail request that you send.

The Credit Union’s Online Banking service includes a secure message system by which you and Credit Union staff can exchange confidential account information safely.  These communications transpire inside the secure internet banking system and therefore do not pose the same confidentiality risk as regular e-mail over the public internet.  We will respond to these communications within a reasonable time frame, normally within two (2) business days. Correspondence that requires expeditious handling (e.g. reporting an unauthorized transaction from one of your accounts) should be made by calling the Credit Union at (800) 367-6440 and press 5 or visiting the Credit Union in person.

Assignment
The Credit Union may assign its rights and delegate its duties under this Agreement to a company affiliated with the Credit Union or to any other party.

No Waiver
The Credit Union shall not be deemed to have waived any of its rights or remedies unless such waiver is in writing and signed by the Credit Union. No delay or omission on the part of the Credit Union in exercising its rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Governing Law
Regardless of where you live or work or where and how you access the Credit Union’s online services, this Agreement will be governed by, and construed in accordance with, the laws of the State of Florida and the federal laws of the United States of America.

Enforcement
In the event the Credit Union brings legal action to enforce the Agreement or collect overdrawn funds on accounts accessed under the Agreement, the Credit Union shall be entitled, subject to applicable law, to payment by you of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. If there is a lawsuit, you agree that it may be filed and heard in the State of Florida, if allowed by applicable law.

Severability
Should any part of this Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law as nearly as possible to reflect the original intent of the Agreement, and the remaining portions shall remain in full force and effect.

FUNDS TRANSFER SERVICE FOR ACCOUNTS SUBJECT TO THE ELECTRONIC FUNDS TRANSFER ACT
The EFTA and Reg. E may govern some of the accounts to which you have household access through the online service.  In general, the EFTA and Reg. E govern accounts established by a natural person primarily for personal, family or household purposes. The following terms and disclosures apply to accounts governed by the EFTA and Reg. E ("EFTA Accounts"), and, with respect to EFTA Accounts, if there is any conflict between these disclosures and terms set forth elsewhere in this Agreement, these disclosures shall control. These disclosures do not apply to accounts that are not EFTA Accounts.

Member Liability
You should notify the Credit Union immediately if you believe any of your accounts have been accessed or your User ID has been used without your permission. Contacting the Credit Union immediately, especially by telephone, will help you reduce your potential losses.

If someone used your User ID and Password without your permission, you can lose no more than $50.00 if you notify the Credit Union within two (2) business days of discovering any unauthorized use. However, you can lose as much as $500.00 if you do not notify the Credit Union within two (2) business days of discovering the unauthorized use and the Credit Union can prove that it could have prevented the unauthorized use had it been notified.

If you do not report unauthorized transactions that appear on any of your periodic statements within sixty (60) days after such statements are mailed to you, you risk unlimited losses on transactions made after the sixty (60) day period has passed if the Credit Union can show that it could have prevented the unauthorized use had it been notified within this sixty (60) day period. At the Credit Union’s sole discretion, we may extend the time periods.

You are fully obligated to us to provide sufficient funds for any payments or transfers you make or authorize to be made. If we complete a payment or transfer that you make or authorize and we subsequently learn that you have insufficient funds for the transaction, you agree that we may reverse the transaction or offset the shortage with funds from any other deposit account(s) you have with us to the extent permissible by the applicable law and the terms of any other relevant agreements.

Preauthorized Transfers
A preauthorized electronic fund transfer (PEFT) is an electronic fund transfer that is authorized in advance and is scheduled to recur on a periodic basis. If a PEFT to your account is scheduled to occur at least once every sixty (60) days, you are entitled to notice of the transfer from us within two business days after it occurs, or notice that it did not occur within two (2) business days after the scheduled transfer date, or we are required to provide a readily available telephone line you may call to determine whether the transfer occurred. We need not comply with the foregoing requirements, however, if the payor notifies you that the transfer has been initiated.

If a PEFT from your account will vary in amount from the previous transfer under the same authorization, you have the right to receive from the payee or from us written notice of the amount and date of the transfer at least ten (10) days before the scheduled date of transfer.

Under the EFTA and Reg. E you have certain stop-payment rights and obligations for PEFT’s. You can stop any PEFT through the online services, calling or writing to us at least three (3) business days before the payment is scheduled to be made. If you stop payment by telephone, we may also require you to send us your request in writing within fourteen (14) days after you call.

Credit Union’s Responsibility
The Credit Union is responsible for completing transfers on time according to your properly entered and transmitted instructions. However, the Credit Union will not be liable for completing transfers if, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, if the account has been closed, frozen, or is not in good standing, or if we reverse payment or transfer because of insufficient funds; if any transfer exceeds the credit limit of any account or under the instructions of this Agreement; if you have not properly followed software or the online service instructions on how to make a transfer or other transaction; if you have not given the Credit Union complete, correct, and current instructions, account numbers, User IDs, or other identifying information so that the Credit Union can properly credit your account or otherwise complete the transaction; if you receive notice from a merchant or other institution that any payment or transfer you have made remains unpaid or has not been completed, and you fail to notify us promptly of that fact; if withdrawals from any of your linked accounts have been prohibited by a court order such as a garnishment or other legal process; if your computer, your software, or the online service was not working properly and this problem should have been apparent to you when you attempted to authorize a transfer; if you, or anyone you allow, commits fraud or violates any law or regulation; if circumstances beyond the Credit Union's control prevent making a transfer or payment, despite reasonable precautions that the Credit Union has taken. Such circumstances include, but are not limited to, telecommunications outages, third party provider malfunctions, postal strikes, delays caused by payees, fires, and floods. There may be other exceptions to the Credit Union’s liability as stated in the deposit, line of credit, and other Credit Union agreements.

In addition, the Credit Union will not be liable for indirect, special, consequential, economic, or other damages arising out of the installation, use or maintenance of the online service and/or its related equipment, software, or online services.

Disclosure of Account Information to Others
Disclosure of account information is covered in CAMPUS USA Credit Union’s Privacy Policy.

Error Resolution
If you believe your Login credentials have become known by an unauthorized person, or that an unauthorized transaction has been or may be made from your account, alert the Credit Union immediately by calling us at (800) 367-6440 and press 5, email the Credit Union at info@campuscu.com or write us at: CAMPUS USA Credit Union, P.O. Box 147029, Gainesville, FL 32614.

If you think your statement is wrong or if you need more information about a transaction listed on the statement, the Credit Union must hear from you no later than sixty (60) days after it sends or delivers to you the FIRST statement on which the problem or error appeared. If you requested more information about a problem or error, the Credit Union must hear from you within sixty (60) days after it sends or delivers that information to you.

Tell us your name and account number(s).  Tell us the type, time, and date of the transaction and the dollar amount of the suspected error. Describe the error or 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.

If you tell the Credit Union orally, we may require that you send in your complaint or question in writing within ten (10) business days after we hear from you and we will then in good faith attempt to correct any error promptly.

If the Credit Union needs more time, however, it may take up to forty-five (45) days to investigate your complaint or question, in which case, the Credit Union will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes the Credit Union to complete its investigation. If the Credit Union asks you to put your complaint or question in writing and does not receive it within ten (10) business days, the Credit Union may not re-credit your account.

If the Credit Union decides that there was no error, we will send you a written explanation within three (3) business days after it finishes its investigation. You may ask for copies of the documents that the Credit Union used in its investigation.

Online Service Fee Schedule
Online Banking service: NO FEE
External Transfers: NO FEE

Refer to the Fee Schedule for other applicable fees and charges. The Credit Union reserves the right to adjust fees or pricing schedules at any time with adequate notice to members.

CONFIRMATION OF AGREEMENT
Please indicate below your agreement to abide by the terms and conditions set forth in CAMPUS USA Credit Union's Online Banking Services Agreement and Disclosures.

You agree to accept this Agreement and Disclosers in the electronic form presented. If you desire a copy and are unable to print a paper copy of this Agreement and Disclosures, you may request a paper copy by calling (800) 367-6440 and press 5.

SUB-ACCOUNT ONLINE DISCLOSURE

 

CAMPUS USA Credit Union Vacation Club, Holiday and Encore Accounts are a great tool for saving money. Club accounts typically pay higher interest rates than a regular savings account and have no minimum balance requirement or fees! Automatic transfers can be set up and managed with ease, so saving is simple! Holiday and Vacation Club Accounts pay out on October 15th and May 15th, respectively, at which time the funds in these accounts are disbursed to your savings account.

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