ELECTRONIC DISCLOSURES
The following terms and conditions of First Ohio Credit Union, Inc. (FOCU) TONI On-Line and any change in terms notices will be provided electronically. By submitting the Enrollment form for E-Statement electronically you accept this disclosure electronically. To receive this information electronically, you will need a minimum web browser version of Netscape 4.7 or Internet Explorer 4.01 or newer (128-bit encrypted). In order to keep a copy for your records you should have access to a printer or be able to download this information. Information about your account will be available at our Internet web site:http://www.firstohiocu.org for 90 days. After that, the information will be available upon request by contacting us. When the information is posted on our web site, we will send you a message at your e-mail address. You will be responsible for providing FOCU with up to date information regarding your e-mail address. If you have any questions about receiving disclosures, or need technical or other assistance concerning these disclosures, you may contact us by telephone at (419) 435-8513 or toll free at 1-800-537-5993 or at eStmt@firstohiocu.org.
DISCLOSURE AND AGREEMENT
This Disclosure and Agreement states the terms and conditions governing TONI On-Line provided by First Ohio Credit Union, Inc. TONI On-Line must be initiated and used by the Account Holder only. A request for an initial Password to access your Account(s) through FOCU’s TONI On-Line and by the initial use of FOCU’s TONI On-Line constitutes acceptance by you (the Account Holder) of the following terms and conditions within this disclosure and agreement. You also acknowledge that you have read these terms and conditions.
By applying for TONI On-Line, you agree to accept responsibility for the protection of your Password in order to prevent unauthorized transactions and/or account access. FOCU may cancel your TONI On-Line at any time. All transactions arising from the authorized use of TONI On-Line shall be subject to and controlled by the terms of all applicable account agreements and other contractual relationships with the credit union and all applicable rules and regulations of the credit union, as amended from time to time.
TO PREVENT UNAUTHORIZED ACCESS TO YOUR ACCOUNTS
First Ohio Credit Union, Inc. is positive that we have taken necessary security precautions to ensure our TONI On-Line is secure and your account information confidential. It is important that you play an active role in your responsibility for protecting the security of your Account(s). You can protect yourself and your account information by utilizing the following precautions:
TYPES OF AVAILABLE TRANSACTIONS AND LIMITATIONS ON TRANSACTION TYPES
TONI On-Line - You may access your Account(s) using a personal computer through our WEB page on the Internet (http://www.firstohiocu.org) after obtaining your initial Password through our office to:
TYPES OF AVAILABLE TRANSACTIONS
TRANSACTION FEES
A. General
Currently there are no charges or fees applicable to EFTs in the form of direct deposits or pre-authorized payments. However, we reserve the right to impose charges at a future date.
| B. | Non-sufficient Funds | each | $30.00 |
|---|---|---|---|
| Courtesy Pay | each | $30.00 | |
| Stop Payment | each | $10.00 |
CONSUMER LIABILITY FOR UNAUTHORIZED TRANSACTIONS
Tell us AT ONCE if you believe your Account(s) has been accessed without your authority or your TONI On-Line password has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Account(s) plus your maximum Overdraft Line-Of-Credit. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission.
If you DO NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transactions that you did not make, tell us AT ONCE. If you DO NOT tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time periods.
ADDRESS AND TELEPHONE NUMBERS
If you believe your TONI On-Line password has been lost or stolen or that someone has accessed or may access your account without your permission, call: (419) 435-8513 in Fostoria, Ohio, (419) 447-5929 in Tiffin, Ohio, (419) 209-7589 in Upper Sandusky, Ohio, or 1-800-537-5993 from elsewhere or write us at First Ohio Credit Union, Inc. P.O. Box 856, Fostoria, Ohio 44830-0856.
BUSINESS DAYS
Our Business Days, for purposes of this disclosure, are Monday through Friday excluding holidays.
LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS
If we do not complete a transaction to or from your Account on time or in the correct amount according to our agreement with you, we will be liable for your actual losses or damages. However, there are some exceptions. For instance, we will not be liable if:
ERROR DISCLOSURES
In case of errors or questions about your TONI On-Line transactions -Telephone us at once by calling (419) 435-8513 in Fostoria, Ohio, (419) 447-5929 in Tiffin, Ohio, (419) 209-7589 in Upper Sandusky, Ohio, or 1-800-537-5993 from elsewhere or write us at First Ohio Credit Union, Inc. P.O. Box 856, Fostoria, Ohio 44830-0856: as soon as you can if you think your statement or receipt is wrong or if you need more information about a TONI On-Line transaction on the statement or receipt. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the error or problem appeared.
If you tell us orally, we may require that you send us your inquiry in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days after we hear from you, twenty (20) business days if the error occurred within thirty (30) days after the first deposit to a new account, and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your inquiry, ninety (90) days for transactions conducted outside the United States or a Point-of-Sale Check Card transaction, or if the error occurred within thirty (30) days after the first deposit to a new account. If we decide to do this, we will recredit your account within ten (10) business days, twenty (20) business days if the error occurred within thirty (30) days after the first deposit to a new account 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 inquiry in writing and we do not receive it within ten (10) business days, we may not recredit your account.
After completing our investigation, we will tell you the results. We will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that were used in our investigation.
You agree that the Credit Union’s records shall be deemed conclusive and correct and that a copy, microfilm of microfiche or any document or record will have the same validity as the original and may be used to prove that a transaction has or has not taken place and to prove the details of the transaction.
DOCUMENTATION OF ELECTRONIC FUNDS TRANSFER (EFTS)
Periodic statements
Once this information is received by the third party from the credit union, whether it be directly or indirectly through an affiliate, that party may not disclose non-public personal information to any person that is not affiliated with either the credit union or the third party, unless the disclosure would be lawful if made directly by the credit union. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information.
PREAUTHORIZED PAYMENTS
You may arrange with some merchants, insurance companies, banks, credit unions, and other institutions to have your recurring bills paid automatically (a debit from your account) from your Prime Share Account or Share Draft Account.
E-STATEMENTS
To receive this information electronically, you will need: a minimum web browser version of Netscape 4.7, Internet Explorer 4.01 or newer (128-bit encrypted). In order to keep copies for your records, you should have access to a printer or the ability to download information. Information about your account will be available at our Internet website for 90 days. After that, the information will be available upon request by contacting us. (Fees may apply.)
Revised 08-25-08
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