Online Banking Login
Terms & Conditions

Online Banking Agreement and Disclosure

This Online Banking Agreement and Disclosure describes your rights and obligations as a user of the Online Banking Service or the Bill Payment service and the right and obligations of Members Financial Federal Credit Union. By requesting and using one of these services you agree to comply with the terms of the agreement. Please read this agreement carefully and keep a copy for your records.
You or Your – the owner of the account or authorized representative
We, Us, Our – Members Financial Federal Credit Union
Business Day – Any calendar day except Saturday, Sunday, or Holidays on which the credit union is
Closed. Bill Payments will be processed on all business days that both the Federal Reserve and the US Postal Service are open and operating for business.
Business Day Cut-Off – There is no business day cut-off time for online banking transactions.
PC – Personal Computer
Privacy Statement
We understand how important privacy is to our members. We have taken all steps available to us to insure that your personal and financial dealings with the credit union are safe and secure. You may obtain a copy of our Privacy statement by clicking on the Privacy Statement at the bottom of our website home page.
Access to Services
We will provide instructions on how to use the Online Banking. You will gain access to your Online Accounts through the use of your Internet-enabled device, your ISP (internet service provider), your user ID, and your password. You may access your online accounts 24 hours a day, seven days a week.
Balance Inquiries, Bill Payments and Transfer Limitations
You may use your Online Banking to check the balance of your accounts and to transfer funds between your accounts. Due to Federal Regulations, you may not make more than six (6) pre-authorized or automatic transfers or bill payments from your Share savings account or your Money Market savings account during each monthly statement period. There are no limits to the number of transfers or bill payments from your Share Draft Accounts. Balances shown on your accounts may differ from your records due to deposits in progress, outstanding checks or other withdrawals, payments, holds, or charges. A transfer request may not result in immediate availability due to time required to process the request. If there are situations that cause a delay in an update of your balances, the system will use the most current balance available at the time of a transaction on which to base an approval. You may also view several months of transaction history online.
You will continue to receive your regular paper statements unless you choose the e-statement option on our website or request e-statements through the credit union. If you choose e-statements you will no longer receive a paper statement but will receive an e-mail to let you know when the statement is ready for you to view online. You may print the online statements if you wish.
User ID’s and Passwords
Security is very important to the Online Banking System. When you register for our online banking service you will be required to provide answers to personal questions that will be used in the future as verification of your identity. You will be e-mailed a temporary password that must be changed when you log on for the first time. Once you change your password you are responsible for keeping your password and Online Account information confidential. In order to protect yourself from fraud you should:
·       Not give out your account information, password, or user ID
·       Not leave your PC unattended after logging into your account
·       Never send privileged account information (account number, password, etc.) in any public or general e-mail system
If you believe your password has been lost or stolen, you may use the password change feature on our website to change your password. If you believe there has been fraudulent activity on your account, call the credit union immediately. Calling the credit union or coming into one of our offices is the best way to minimize your losses and liabilities. If we are notified within two (2) business days after you discover that your User ID or Password have been compromised, lost, or stolen, you can lose no more than $50 if someone uses it without your permission.
If you do not notify us within two (2) business days, and we can prove that we could have prevented someone from using the User ID and Password without your permission, you could lose as much as $500.
If your statement shows unauthorized transactions, notify us within 60 days after the statement is mailed to you or viewed on your computer. After 60 days, if we can prove that we could have stopped someone from taking the funds if we had been told, you may not get back any money from us. If a good reason, such as a long trip or hospital stay kept you from informing us, we may extend the time periods to a reasonable time.
Online Security
We use a secure layered encryption technology for everything you do on the Online Banking System. This technology is automatically activated by your browser when it attempts to connect to our system and it is supported by a 128 bit encryption. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized parties can read your information as it is carried across the Internet.
During your use of our Online Banking System we will pass a “cookie” to your browser for identifying you during the session. We do not, and cannot, use our “cookies” to obtain new information about you. A “cookie” is security data that is given to a browser by a web server that us returned by the browser on subsequent transmissions to identify the user and encryption information. When you log onto the system, this “cookie” enables us to process multiple transactions during the session without you having to provide your User ID and Password for each individual transaction. When you log off, or after 10 minutes, the “cookie” is no longer accepted and must be renewed by requiring the password to be reentered. A new “cookie” is used for each session. This way, no one can use the “cookie” to access your account.
Bill Pay
It is easy to pay your bills through our Online Bill Pay Service. Your Bill Pay payments must be initiated from your current checking account that is in good standing with the credit union. We are able to process payments only in U.S. dollars and to payees that have a U.S. Postal address. We maintain a large data base of regional and national billers to make this process quicker and easier. You should not use the Bill Pay service to make payments to settle securities purchases, payments to interest bearing accounts, tax payments or court ordered payments. Payments for these payees will be your sole responsibility if they are delayed or improperly processed or credited.
The Credit Union is only responsible for exercising ordinary care in ensuring that payments are processed and sent upon your authorization. We will not be liable for damages you incur for any of the following reasons:
·       Insufficient available funds in your account that is to pay for the bill or transfer on the processing date
·       Funds in the account are subject to legal process restricting the payment or transfer
·       Information provided by you about the payee is incorrect (including change of address or account number)
·       The failure of any payee to correctly account for or credit the payment in a timely manner
·       Natural disasters (fire, flood, tornado, etc.) or other uncontrollable circumstances (mail delays, power failures, etc.) beyond the control of the credit union, that prevent proper completion and delivery of transactions
Disclosure of Account Information to Third Parties
Information to third parties about your account(s) or the transaction(s) you make will only be disclosed if at least one of the following applies:
·       It is necessary to complete a transaction
·       To verify the existence and condition of your account to a third party such as a credit bureau or merchant
·       To comply with a governmental agency or court order
·       If permission is given by you to us; which we may require to be in writing
·       To collect information for internal use, the use of our service providers, and our serving agents and contractors concerning our electronic funds transfer service
·       It involves a claim by or against us concerning a deposit or withdrawal from your account
·       Where otherwise required or permitted under state or federal laws and/or regulations
No Signature Requirements
When any payment or other online service generates items to be charged to your account, you agree that we may debit the designated account, or the item on which the item is drawn, without requiring your signature on the item and without any notice to you.
Virus Protection
The credit union will not be responsible for any electronic virus or viruses that you may encounter. We encourage our members to routinely scan their PC using a reliable virus product to detect and remove viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
You may terminate the use of our Online Banking Service by contacting the credit union in writing, by e-mail, or in person. If you believe that you are the victim of fraudulent activity or identity theft, you must contact us immediately to close the account in order to minimize losses for both you and the credit union. If your account is closed or restricted for any reason, Online Banking accessibility will automatically terminate.
Terms and conditions of this agreement may be amended in whole or part at any time if a 30 day written notification is sent prior to the change taking effect. If you do not agree with the changes, you must notify us in writing prior to the effective date to cancel your access. Amendments or changes to terms and conditions may be made without prior notice if it does not result in higher fees, more restrictive service use, or increased liability to you. D+H Privacy Policy Browser Requirements Terms & Conditions Equal Housing Lender NCUA