|
We, the Lisbon Community Federal Credit Union, referred to as "we" or
"us", are
located at 325 Lisbon Street, Lisbon, ME 04250-0878 and our phone
number is 207-353-4144 or Toll Free: (877) 353-4144. "You" refers
to the Member-owner of a share account who has requested HOME FINANCIAL
SERVICES
in connection
with that account and any sub-account.
You
agree to the rules and regulations affecting the use of the personal
identification number and HOME FINANCIAL SERVICES provided
by us for your convenience.
PERSONAL IDENTIFICATION NUMBER
The personal identification number will be your "remote banking
signature," and you are responsible for maintaining its confidentiality.
The personal identification number should be memorized and not written,
in order to prevent unauthorized use.
AUTHORIZED USE
You are authorized to withdraw funds from your accounts(s) with the
use of your personal identification number.
JOINT ACCOUNTS
The HOME FINANCIAL SERVICES personal identification number is issued
only to the first Member named on a share account and offers access
to other accounts owned by that Member.
BUSINESS HOURS
Our business hours are Monday through Thursday 9 am-5 pm, Friday 9
am- 6 pm and Saturday 9 am- Noon.
CONSUMER LIABILITY FOR UNAUTHORIZED HOME FINANCIAL SERVICES TRANSACTIONS
Tell us at ONCE if you believe your PERSONAL IDENTIFICATION NUMBER
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 plus your maximum overdraft line of credit, if applicable.
If you tell us within two (2) business days, you can lose no more
than FIFTY DOLLARS ($50.00) if someone used your personal identification
number without permission.
If you do NOT tell us within two (2) business days after you learn
of the loss or theft of your personal identification number and we
can prove that we could have stopped someone from using your personal
identification number without your permission if you had told us,
you could lose as much as FIVE HUNDRED DOLLARS ($500.00).
Also, if your statement shows transfers 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
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 long trip
or hospital stay) kept you from telling us, we will extend the time
periods. We are liable only for losses in excess of the limits stated.
NOTIFICATION PROCEDURE
If you believe that your personal identification number has been LOST
or STOLEN, or that someone has transferred or may transfer money
from your account without permission, call us at 207-353-4144
(Toll Free: (877) 353-4144) or write us at 325 Lisbon St. PO BOX
878, Lisbon, ME 04250-0878.
TYPES OF TRANSACTIONS AVAILABLE
You may use your personal identification number with HOME FINANCIAL
SERVICES to obtain account information related to any of
your deposit and loan accounts regarding current balances and account
history, share dividend rates, and YTD and prior year dividends
earned and interest paid on each account.
TRANSFERS
You may transfer up to the balance in your account at the time of
the transfer, except as limited under other agreements. We reserve
the right to refuse any transaction that would draw upon insufficient
funds or lower an account below a required balance.
HOME FINANCIAL SERVICES transactions may be made at anytime, seven
(7) days a week, unless the service is unavailable due to computer
back-up procedures or maintenance.
FEES AND CHARGES
HOME FINANCIAL SERVICES is a free service provided to any Member of
the Lisbon Community Federal Credit Union.
CONDITIONS UNDER WHICH WE WILL DISCLOSE INFORMATION TO A THIRD PARTY
You agree that we may, and you hereby authorize us to, disclose information
to third parties about your account(s) or the transfers you make
(1) where it is necessary for completing transfers; (2) in order
to verify the existence and condition of your account for a third
party, such as a credit bureau or merchant; (3) in order to comply
with a government agency per court orders as permitted by law; if
you give us your written permission.
DOCUMENTATION
AND VERIFICATION OF TRANSFER
You will receive a monthly statement
of your account activity unless no electronic transfers
were made to or from your account(s) during the month, in which case
you will receive a statement at least quarterly.
ERROR RESOLUTION
Telephone us at 207-353-4144 or toll-free at (877) 353-4144, or write us at
325 Lisbon Street, PO Box 878, Lisbon, ME 04250-0878, as soon as you can,
if
your
statement
is
incorrect
or if additional information is needed about a transfer. You must contact
us no later than sixty (60) days after we send you the first statement on
which the problem or error appeared. Provide the following information: 1)
Your name and account number, 2) Describe the error or the transfer you are
questioning, and a clear explanation of why you believe there is an error,
and 3) The dollar amount of the transaction.
If you tell us orally, we may require that you send your complaint
or question in writing within ten (10) business days. We will inform
you of the results of our investigation within ten (10) days after
we receive your complaint and will correct any error promptly. If
we need more time, we may take up to forty-five (45) days to investigate
your complaint or question. If we decide to do this, we will re-credit
your account within ten (10) business days for the amount in question,
so 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 do not receive it within ten (10) business
days, we may not re-credit your account. If we decide that there was
no error, we will send you a written explanation within three (3)
business days after we finish our investigation. You may request copies
of the documents used in your investigation.
CANCELLATION
We may cancel your HOME FINANCIAL SERVICES privileges at any time without notice
or cause. You may cancel this Agreement at any time providing us with written
notice that you wish to cancel. Cancellation will be effective as of the
date we receive the notice. Any cancellation or termination will not affect
any of your existing liability to us.
LIABILITY
If we do not complete a transfer to or from your account in time or in the
correct amount according to our agreement with you, we will be liable for
your losses or damages. However, there are some exceptions. We will not be
liable, for instance: (1) If through no fault of ours, you do not have sufficient
funds in your account to complete the transfer. (2) If the HOME FINANCIAL
SERVICES system was not working properly and you knew it was not working
properly
when you started the transfer. (3) If circumstances beyond our control, (such
as fire or flood) prevent the transfer, despite reasonable precautions that
we have taken.
MODIFICATION
This Agreement may be amended by us without prior notice to you when such an
amendment is immediately necessary to maintain or restore the security of
the system or a Member's account(s). We will notify you in writing within
thirty (30) days or as otherwise required by law prior to the effective date
of any other change in any term or condition of this Agreement.
Back
to Home Banking |
