Online Disclosure

Introduction:
This page explains the terms and conditions for using our Online Banking service and provides certain disclosures and information to you concerning the service. Each of your accounts at Normal City Employees Federal Credit Union is also governed by the applicable account disclosure/agreement and truth in savings disclosure.

How To Access Your Accounts:
To access your accounts through our Online Banking service, you must have your account number and an Online Banking password.

The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection, we recommend that you change your Online Banking password regularly.

If you share your password with the joint owner of your account or any other individual who is not a joint owner, he or she will have full access to ALL share and loan account information. If you believe that your password may have been lost or stolen, please notify us at 433-3408 or e-mail Credit Union Committee for a new password to be assigned.

There is currently no fee for accessing your account through our Internet Online Banking service. We reserve the right to impose/change the fee amount, if necessary, after providing 30 days notice to all users at the Online Banking login page and/or e-mail address.

Your internet service provider (ISP) probably charges you a fee to access the internet via its server. We have no control over ISP related fees.

Account Balances:
You may view your share and loan account balances. Because the main credit union computer system is not connected to the internet, it is possible that some transactions that affect these balances, and have been processed by the credit union, are not yet included in the balance at the time you view it.

Transaction History:
You may view the transaction history for any loan or share account. Because the main credit union computer system is not connected to the Internet, it is possible that some transactions are not yet included in the history at the time you view it even though they may have been processed by the credit union. The main credit union computer system is always the official record of account history. The Online Banking service may be updated several times per week for your convenience in viewing account activity.

Password Changes:
If you are an Online Banking user, you may change your password at any time from within the Online Banking section. For your protection, we recommend that you change your Online Banking password regularly.

The information regarding your account balances on this website is provided to you as a courtesy pursuant to your request. For members that have filed a petition seeking bankruptcy protection under any chapter of the U.S. Bankruptcy Code, no demand for payment is hereby made, and the information provided is not to be construed as an attempt to collect or recover any claim or debt in violation of the provisions of 11 U.S.C. Section 362.

Additional Services:
From time to time, we may announce additional services which are available through our Online Banking. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.

We reserve the right to limit access or cancel on-line access at any time.

Operating Systems and Security:
Our Online Banking site is designed to operate using world-wide web technologies and protocols which are adaptable to a wide range of systems. The Online Banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. Some older browsers may not be able to connect to the site without first updating the browser security certificate. Our server uses 40 to 128 bit encryption, depending on the user’s browser.

We use cookies to help us administer the Online Banking section. Some browsers allow you to reject cookies from servers. If you do not allow us to set a cookie upon entering the site, you will not be able to log in. The cookie we set contains information we need for security, and allows us to ‘time out’ your authority to view information. We place the cookie with instructions that it can only be sent to a server in our Online Banking domain (homecu.net). A cookie cannot be used to extract data from your PC. We do not store your Access Code, User ID or Password in your cookie.

The cookie we set will ‘time out’ your access authority to our Online Banking section. Until it times out, you can come back to our Online Banking without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents, even if your viewing authority as expired. For this reason, the only way to keep others from viewing your account balance is to exit the browser when you are finished with your session. This is especially important if you are using a public or shared computer.

Privacy:
Our online Banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our Online Banking server and your PC.

All Online Banking logins are logged by the server. For authenticated members who use Online Banking, we collect and store certain information such as how often you visit the Online Banking section, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law.

We may father and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit.

If you believe your password has been lost or stolen or that someone has withdrawn money from your account without your permission, please call: 433-3408 or e-mail Credit Union Committee.

Our Liability:
If we do not complete a transaction from your account on time or in the correct amount according to our agreement/disclosure with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

If, through no fault of ours, you do not have enough money in your account to make the transaction.

If circumstances beyond our control (such as fire or flood) prevent the
transaction despite reasonable precautions that we have taken.

We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the Online Banking service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software of any part thereof, including, without limitations, and warranties of fitness of a particular purpose or warranties of merchantability.

Errors and Questions:
In case of errors or questions about any of your transactions and/or account information, please call 309)433-3408 or e-mail Credit Union Committee. We will look into the error/question as soon as possible and report our findings and actions to the member. If an error was made, it will be corrected promptly.