Online Banking, E-statements, E-notices, E-Alerts Enrollment

1. General

The terms, conditions, and disclosures which appear below apply to our Electronic Account Management Service (the Service). If you activate your account for the Service, you agree that the use of the Service will be governed by the terms of your Account Agreement, its terms, conditions, and disclosures. In these terms, conditions, and disclosures the words we, us, our, and Credit Union refer to Victoria Federal Credit Union. You and your refers to each person that activates the Service, and each Account owner or other person authorized to transact business on any Credit Union account which may be accessed by way of the service.

2. Equipment and Software

You must have access to the Internet (also referred to as the Network). You are responsible for any and all access and service fees that may be assessed by your internet service provider or network service provider. We are not responsible for any loss, damage, or injury, whether caused by your equipment or software. We are not and will not be responsible for any direct, indirect, special or consequential damages arising in any way out of installation, or use or maintenance of your equipment, software or the service, except where the law requires a different standard. You agree to be bound by and comply with any requirements in any user guide, instructional manual, or other instructions that we may provide in connection with the service.

3. Password and Personal Identification Number (PIN) Security

You agree to keep your Password and PIN in confidence, to refrain from disclosing your Password and PIN to anyone and to refrain from recording or displaying your Password and PIN in such a manner that they may be accessible by third parties. You agree that the use of the Password and PIN will allow access to your account information. Anyone to whom you disclose or give access to your Password and PIN shall be deemed an authorized user for whom you shall be liable. You will be responsible for reporting the loss, theft, or compromise of your Password and PIN to us as soon as possible upon any such occurence.

4. Amendments to This Agreement

We reserve the right to amend this Agreement and to change the terms and conditions governing our Electronic Banking services at any time subject to such notice as may be required by applicable law. Your use of the Service following receipt of any notice will constitute your acceptance of any such change. Your use of Electronic Banking is subject to existing regulations governing your accounts and any future changes to those regulations.

5. Termination of Electronic Banking Services

You agree that we may terminate this Agreement and use of the Service if you or any authorized user of your Account or your PIN fail to comply with the terms and conditions set forth in the Agreement, or in any other Agreement you have with us, or if we have reason to believe that there has been or may be unauthorized use of your Account or PIN. You or any other party to your Account can terminate this Agreement and the Service by notifying us in writing, However, the termination of this Agreement or the Service will not affect the right and obligations of the parties to this Agreement for transactions initiated prior to termination Notwithstanding your termination of this Agreement or the Service, you will remain responsible for any transactions initiated by a person to whom you furnished your PIN.

6. Assigned ID & Password

You will receive an ID (assigned by Credit Union) and a temporary password within 7 business days of enrollment. If you do not receive this information please notify us.

E-Statement Enrollment Disclosure (CU reserves the right to cancel or modify this program at any time)

1. Consent and Authorization for Electronic Transmission of Regular Account Statements
If You selected to enroll in E-Statements, You agree to receive online statements in lieu of paper statements. You agree to provide a valid email address so that You may receive email notifications when your electronic statements are available online.

E-Notices Enrollment Disclosure (CU reserves the right to cancel or modify this program at any time)

1. Consent and Authorization for Electronic Transmission of Regular Account Notices
If You selected to enroll in E-Statements, You agree to receive online statements in lieu of paper notices. You agree to provide a valid email address so that You may receive email notifications when your electronic statements are available online.

E-Alerts Enrollment Disclosure (CU reserves the right to cancel or modify this program at any time)

1. Consent and Authorization for Electronic Transmission of Regular Account Notices
If You selected to enroll in E-Statements, You agree to receive E-alerts for the following account services. You agree to provide a valid email address so that You may receive email notifications when your electronic statements are available online.