Selfreliance Federal Credit Union
DirectConnect℠ (Internet Banking), MobileConnect℠ (Mobile Banking), and E-Statement Agreement
and Terms and Conditions
BY ACCEPTING THIS AGREEMENT, YOU ACKNOWLEDGE AND AGREE THAT THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT WILL APPLY TO
AND GOVERN YOUR USE OF DirectConnect℠, MobileConnect℠ and E-Statement (SERVICES) OFFERED BY SELFRELIANCE
FEDERAL CREDIT UNION (SFCU), AND THAT YOU HAVE READ AND UNDERSTAND THE TERMS OF THIS AGREEMENT, THEREBY CREATING A VALID AND
BINDING LEGAL CONTRACT BETWEEN YOU AND SFCU. IF YOU HAVE QUESTIONS ABOUT THIS AGREEMENT, CONTACT OUR INFORMATION SYSTEMS
DEPARTMENT TOLL-FREE AT 888-222-8571, BEFORE ENTERING INTO THIS AGREEMENT.
The terms "SFCU," "we" or "us" in this Agreement refer to Selfreliance Federal Credit Union.
For purposes of these terms and conditions the term "SFCU" includes SFCU's affiliates, as applicable. The
terms "you" and "your" mean a person who has an account at SFCU and who applies to use SFCU's DirectConnect℠
MobileConnect℠, and E-Statement services (Services), requests to use such services and enters into this Agreement.
The terms "Business Day" in this Agreement means Monday thru Friday, excluding Federal Reserve holidays.
E-Statement is the Internet-based service in which SFCU notifies you at your e-mail address to
retrieve your periodic E-Statements, which you specify under the terms set forth in this Agreement.
What This Agreement Covers. This Agreement between you and SFCU governs your use of any of SFCU's
DirectConnect℠, MobileConnect℠, and E-Statement services. You should read this Agreement carefully to understand
your rights and liabilities if you register for and use the Services. Access to DirectConnect℠ or MobileConnect℠ will
be provided through the Worldwide Web of the Internet at www.selfreliance.com or mobile apps.
You are responsible for providing your own access to the Internet through the Internet or Mobile Service Provider of your choice.
The terms and conditions of this Agreement are in addition to, and shall supplement, the terms, conditions, rules, and regulations
that apply to the existing Membership Agreement and accounts or services with SFCU which you currently use.
MobileConnect℠: These services permit SFCU's members (consumers, sole proprietors and other business
members) to perform a number of banking functions on accounts linked to the service through the use of a mobile device or mobile
smart telephone. Unless indicated otherwise by the context, "linked SFCU accounts" or "linked accounts" refers to all of your
accounts with SFCU that you have linked to MobileConnect℠ solution.
E-Statement Service. This Agreement describes your rights and obligations as a user of the E-Statement Service.
It also describes the rights and obligations of SFCU. Please read this Agreement carefully. By completing the E-Statement
Enrollment form you elect and authorize us, at our discretion, to electronically notify you that your monthly statement is ready
to be retrieved and reviewed.
Federal and State statutes may be enacted or amended in the future to provide for electronic delivery
of account statements. Your acceptance also authorizes us, at our discretion, to provide electronic delivery of such statements
pursuant to these statutes after they become effective. If there is more than one owner or authorized user on an account, notice
to any one account owner or authorized user will be effective for all.
DISCLAIMER OF WARRANTIES:
ALTHOUGH SFCU ATTEMPTS TO PROVIDE ACCURATE INFORMATION, NAMES, IMAGES, PICTURES, LOGOS, ICONS, DOCUMENTS, AND MATERIALS
(COLLECTIVELY, THE "CONTENTS") ON THE SERVICES, IT MAKES NO REPRESENTATION, ENDORSEMENT, OR WARRANTY THAT SUCH CONTENTS ARE
ACCURATE OR SUITABLE FOR ANY PARTICULAR PURPOSE. THE SERVICES AND THEIR CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE
SERVICES AND THEIR CONTENTS IS AT THE USER'S SOLE RISK. THE SERVICES AND THEIR CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS,
ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF
TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT OF THIRD
PARTY PROPRIETARY RIGHTS, OR OTHERWISE, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER
APPLICABLE STATE OR FEDERAL LAW. SFCU ALSO MAKES NO REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED,
WITH RESPECT TO ANY SERVICE OPERATED BY A THIRD PARTY.
WE MAKE NO WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH RESPECT TO THE USE AND ADEQUACY OF THE SOFTWARE PROGRAM USED
TO ACCESS YOUR ELECTRONIC STATEMENT OR THE E-STATEMENT SERVICE WE PROVIDE UNDER THIS AGREEMENT. WE DO NOT WARRANT THAT THE SOFTWARE
PROGRAM OR THE E-STATEMENT SERVICE WILL MEET YOUR SPECIFIC REQUIREMENTS.
FINALLY WITHOUT LIMITATION AS TO THE FOREGOING, IN REGARD TO LIMITATION OF LIABILITY. IN NO EVENT WILL SFCU OR ITS SUBSIDIARIES,
AFFILIATES, CONTRACTORS, OR THEIR RESPECTIVE EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT,
INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING
IN CONNECTION WITH ANY PARTY'S USE OF THE SERVICES OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION,
DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THE SERVICES
OR ANY SERVICE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THE SERVICES OR ANY OTHER SERVICE, WHETHER OR NOT FORESEEABLE, EVEN IF
SFCU IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES. BY CONSENTING TO USE THE SERVICES, YOU AGREE TO WAIVE ANY AND ALL RIGHT TO ANY
OF THE AFORESAID.
Limit of SFCU and Other Providers' Responsibility. SFCU agrees to make reasonable efforts to ensure full
performance of the Services. Except as specifically provided in this Agreement or where the law requires a different standard,
you agree that SFCU (including its officers, directors, employees, agents, subsidiaries or affiliates or its third party providers
of services related to the Services): (i) will be responsible for acting only on those instructions sent through DirectConnect℠
or MobileConnect℠, which are actually received and cannot assume responsibility for malfunctions in communications facilities
not under its control that may affect the accuracy or timeliness of messages you send; (ii) is not responsible for any losses or
delays in transmission of instructions arising out of the use of any Internet or Mobile Service Provider or caused by any browser
software; (iii) provides information to you on a best-efforts basis for your convenience and does not guarantee such information;
(iv) is not liable for any deficiencies in the accuracy, completeness, availability or timeliness of such information or for any
investment or other decision made using this information; (v) is not responsible for any computer virus or related problems which
may be attributable to DirectConnect℠ or MobileConnect℠ or to any services provided by any Internet or Mobile Services Provider.
We shall have no liability for failure to perform any E-Statement Service, or for any disruption or delay in performing E-Statement
Service, in the event of such failure, disruption or delay is due to circumstances beyond our reasonable control, including, but not
limited to, Acts of God, Acts of War, failure or disruption of electrical power, computer equipment, telecommunication systems, your
ISP, or weather conditions. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and
software necessary for receiving E-Statements. SFCU will not be responsible for any errors or failures from the malfunction or
failure of your hardware or software.
Use of SERVICES. Contents are included in the Services solely for the personal use of Services users. You may
not copy (other than a copy for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or
republish any of the Contents of the Services without the prior written consent of SFCU, which may be withheld in its sole discretion.
Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents
of these Services, including the graphics, icons and overall appearance of the Services, are the sole and exclusive property of SFCU
or affiliates. Certain SFCU's trademarks and/or servicemarks are also listed below. The posting of the Contents of these Services
neither constitutes a waiver of any of SFCU's proprietary rights or any other party's proprietary rights, including but not limited
to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or
otherwise of any such rights or of any license to the Services user or to any third party. Contents of the Services are protected by
United States and international copyright laws, both as individual works and as a collection and by United States and international
trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Services.
The display of third party trademarks within these Services does not grant a license of any kind to the reader. Any downloading of
material contained in the site, or of any site linked to the site may be a violation of federal trademark and copyright laws. Any
downloading of Contents of these Services or any Services linked to these Services may be a violation of federal and other trademark
laws and federal copyright laws.
Links to Other SERVICES. SFCU may establish links between these Services and one or more SERVICES operated by
third parties. SFCU has no control over any such other SERVICES or the contents therein. The existence of any such links shall not
constitute an endorsement by SFCU of such SERVICES, the contents of the SERVICES, or the operators of the SERVICES.
Changes in Terms. SFCU may change Services, its terms, including fees, set forth in this Agreement at any time.
You will be notified of any such change as required by applicable law, either by mail or by an electronic message. If a change
notice is required, we will provide you with this notice at least thirty (30) days prior to implementing the change. However, if
we deem a change necessary to maintain or restore the security of your account or any aspect of the Services system, we may make
the change without any prior notice, with subsequent notice to you if such change is made permanent. You understand that, by using
the Services, after a change becomes effective and after you are notified of the change, you are agreeing to the change.
Governing Law. The terms and conditions of this Agreement shall be governed by and construed in accordance with
the laws of State of Illinois without regard to its conflicts of law provisions. Your existing account relationships shall continue
to be governed by and construed in accordance with the laws of the state where the SFCU branch at which you initially established
your account is located. Any issue relating to an account or service with SFCU which you access through DirectConnect℠ or
MobileConnect℠: shall be governed by the laws specified in the agreement for that account or service if there is a separate
agreement for that account or service.
Venue. Disputes arising from the use of these Services shall be exclusively subject to the jurisdiction of
Circuit Court of Cook County.
Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a
court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion
to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.
Waiver. No waiver by SFCU of any right under or term or provision of these Terms and Conditions will be
deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any
other right, term, or provision of these Terms and Conditions at any other time.
Assignment. SFCU may assign its rights and delegate its duties under this Agreement to a company affiliated
with SFCU or to any other party. You may not assign any of your rights or duties under this Agreement at any time.
Entire Agreement. This Agreement is the entire agreement between you and SFCU regarding your use of the
Services, and it supersedes any prior discussions and agreements between you and SFCU regarding the Services, and supersedes
any marketing or other similar material pertaining to the Services delivered to you in writing, verbally or obtained at any
SFCU site or the site of any Internet Service Provider.
Joint or Business Accounts. When your Services are linked to one or more joint or business accounts, we may act
on the verbal, written or electronic instructions of any authorized signer.
Opt Out Election/Termination. Your Services remain in effect until they are terminated by you or SFCU.
You may cancel your Services at any time by notifying us of your intent to cancel in writing, through DirectConnect℠ secure mail,
or by calling us at 888-222-8571. This cancellation applies to your DirectConnect℠, MobileConnect℠, or E-Statements services,
and does not terminate your SFCU deposit or credit accounts. You must cancel any scheduled payments prior to notifying us that
you are discontinuing the Service. If you choose to cancel your Online or Mobile Banking services, any pending payments will be
We may terminate your participation in Services for any reason, including inactivity, at any time. We will try to notify you in
advance, but we are not obliged to do so. SFCU will use commercially reasonable measures to notify you in advance of any such
termination, but SFCU is not obligated to do so.
Contact by SFCU or Affiliated Parties. No SFCU or Payee employee, nor any company affiliated with SFCU
will contact you via email or phone requesting your password. If you are contacted by anyone requesting this information, please
contact us immediately.
Service Hours and Interruptions in Services. The Services are available 365 days a year and 24 hours a day,
except during system maintenance and upgrades. SFCU may on a regular basis perform maintenance on SFCU equipment or systems
which may result in interruption of Services. SFCU will not incur any liability to you as a result of any such interruptions.
DirectConnect℠ and MobileConnect℠ Services for Consumers and Businesses
You may use DirectConnect℠ and MobileConnect℠ to:
- Perform account balance inquires and transaction history detail on all linked SFCU accounts.
- View and print online images of member checks.
- Transfer money between your accounts.
- Place a stop payment order on any outstanding check(s).
- Download Transaction History - currently, all versions of Quicken, QuickBooks, and Microsoft Money are supported, as well a generic text type file for use in other software.
- View tax information for all your accounts.
- Change the Password and User ID that are used to access the system. Password requirements are detailed below.
- Enter or Change Your E-mail Address.
- Enroll in DirectPay℠
- Access your SFCU VISA Account.
- Send us secure mail messages and questions regarding your accounts.
- Set up account alerts and notifications.
- Mobile deposits – make mobile deposits by taking a photo of your check and depositing right from your mobile device
Not all services are available on mobile devices.
Password Protection/Responsibility. You are assigned a Password when you apply and are approved for
DirectConnect℠ or MobileConnect℠. It is your responsibility to create your own Password; thereby assuring that no
one else can gain access to your information. In addition to your Password, initially, you will be required to answer six (6)
security questions, select an image, and create a phrase to insure your DirectConnect℠ security; to access your accounts via
MobileConnect℠, initially, you will be required to register your mobile device by entering a security code delivered to
the phone number we have on record for your membership. In the event you forget your Password or have trouble logging into your
account, contact SFCU's Information Systems Department at 888-222-8571 and you will be assigned a new temporary Password.
SFCU recognizes the importance of selecting Passwords, and securing those Passwords. SFCU has implemented the following Password policy:
Your new Password must:
- be between 8 and 15 characters long.
- not contain more than two consecutive characters from your user ID or full name (i.e. if your name is "Jonathan", you cannot have "ath" in your password).
- not use spaces, apostrophes (') or angle brackets (< >).
- meet three of the four following requirements:
- contain one uppercase letter (A - Z).
- contain one lowercase letter (a - z).
- contain 1 number (0 - 9).
- contain one non-alphabetic character (i.e. !, @, #, $, %).
- Passwords are case sensitive: abcde1 is not the same as ABCDE1.
You will be locked out after 3 invalid login attempts
Use of your Security Password. You agree not to allow anyone to gain access to the Services or to let anyone know
your Password used with the Services. You further agree that SFCU has no control as to the persons who have access to your personal
computer or mobile device and your Password. SFCU will not be liable for any unauthorized access to your personal computer or mobile
device using your Password. You agree that it is your responsibility to initiate and maintain the highest level of password security
procedures to prevent any unauthorized access to your personal computer, mobile device, or unauthorized use of your Password.
Notice of Unauthorized Access. If you believe that someone has obtained access to your account without your
permission, immediately call the Internet Service Coordinator at SFCU, 888-222-8571, during regular business hours.
For your protection, sign off after every session.
DirectConnect℠ and MobileConnect℠ Encryption. Data security between your computer or mobile device and
SFCU servers is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server
authentication and message integrity for an Internet connection. In addition, SSL provides a security "handshake" that is used to
initiate the connection. This handshake results in the client and server agreeing on the level of security they use and fulfills any
authentication requirements for the connection.
SFCU will use commercially reasonable measures, consistent with industry standards, to maintain a reasonable level of security
over the information contained in the electronically delivered account statement. The SFCU system currently supports and requires
SSL data encryption at the 128 bit level, the current standard in today's browser software.
You understand that these industry standards are dynamic and constantly developing. By accepting this Agreement, you acknowledge
and understand that there are risks to electronic delivery of account statement, including, but not limited to, delay or failure
of delivery due to technical difficulties, weather conditions, matters beyond our reasonable control, or interruption and/or
alteration of such account statement by third parties in spite of SFCU's commercially reasonable security measures.
By accepting this Agreement, you represent that you have considered our security measures, and find that our security measures are
commercially reasonable. In reaching this conclusion, you have considered the historical and potential future content of your
statement; the risks associated with electronic delivery of account statement, and our security procedures. If you conclude that
our security procedures cease to be commercially reasonable in the future, you must terminate this Agreement immediately in
accordance with the procedure outlined above.
Required Hardware and Software Specifications. Your device and Internet or Mobile Service Provider (ISP) must
meet all of the following specification for DirectConnect℠, MobileConnect℠, and E-Statement access:
Minimum Required Computer Specifications:
256 MB Ram
200 MB Free Disk Space
Windows Vista. Windows 7, Mac OS X 10.5 or Above
Internet Explorer 9 or Above, Safari 6.1 or Later, Firefox 30 or Later, Chrome 35 or Later.
Latest Adobe Acrobat Reader is required for E-Statements functionality.
Minimum Required Mobile Device Specifications
iOS 6.0 or Later. Compatible with iPhone, iPad and iPad touch.
Android 2.2 or Later
Security. In order to maintain secure communications and reduce fraud, you agree to protect the security of your
numbers, codes, marks, signs, public keys or other means of identification. SFCU reserves the right to block access to Services
to maintain or restore security to SFCU systems if SFCU reasonably believes your password have been or may be obtained or are
being used or may be used by an unauthorized person(s). Subject to the requirements of state and federal law, and the terms and
provisions of this Agreement, you are liable and responsible for all DirectConnect℠ or MobileConnect℠ transactions made using
your means of identification, whether those transactions are made by you or any person you authorize, permit or enable to have
your means of identification (even if the person exceeds your authority) or by any person who obtains through you, by whatever means,
your means of identification. If you have given someone your means of identification and wish to terminate their authority, or if
you know or believe that your means of identification otherwise is compromised, you must notify SFCU so that SFCU can take the
necessary steps to change the means of identification (see generally, the "Unauthorized Transfers" section below). You agree to
defend, hold harmless and indemnify SFCU from and against any and all claims of any nature arising out of any such access by a
person you have authorized, permitted or enabled to have access to your SFCU accounts via DirectConnect℠ or MobileConnect℠.
You understand that electronic messages and communications sent via the Internet are not necessarily secure and that SFCU does not
recommend that you send information which you consider confidential concerning your accounts via the Internet. You agree to take
reasonable precautions to safeguard your password and/or any other means of identification, to not leave your device unattended
while using DirectConnect℠ or MobileConnect℠ and to always exit completely (log out) after using it.
Transfers and Payments. When you instruct SFCU to transfer funds between your accounts through DirectConnect℠
or MobileConnect℠, you authorize SFCU to withdraw the necessary funds from the account you designate. As with any funds transfer
request, whether or not utilizing DirectConnect℠ or MobileConnect℠, you agree that you will instruct SFCU to make a withdrawal
only when a sufficient balance is or will be available in your designated account. SFCU will not be obligated to act on any
withdrawal instruction from you if sufficient funds, including overdrafts, are not available in the account(s) you designate.
Fund Transfers through DirectConnect℠ or MobileConnect℠ between some of your accounts may be limited. Federal
regulations limit the number of pre-authorized, automatic or on-line banking transfers from what is commonly known as a share
(savings) account or a market share account to no more than six transfers and withdrawals, or a combination of such transfers
and withdrawals, per calendar month or statement cycle, to another of your accounts or to a third party by means of an online
(web based), preauthorized, or automatic transfer. If you exceed the transfer limitations in any statement period, we may refuse
or reverse a transfer and we may assess fees against, suspend, or close your account with SFCU. Please refer to our Service
Fee Schedule for the charges.
Canceling Transfers and Payments. You cannot cancel a one-time immediate transfer after it has been submitted and
the information has been transmitted to us.
Placing a stop payment through DirectConnect℠. A stop payment request will be effective immediately upon
your request. A stop payment fee will apply for every stop payment you request. Please refer to our Service Fee Schedule for the charges.
YOU MAY NOT STOP PAYMENT OF ELECTRONIC FUND TRANSFERS ON DirectConnect℠. Please contact the Bookkeeping
Department for this request.
Fee Schedule. There are currently no monthly maintenance or transaction fees for DirectConnect℠,
MobileConnect℠ or E-Statement Services. However, you are responsible for charges by any Internet or Mobile Service Provider
you use. Your use of these Services does not eliminate, waive or change any generally applicable fees and charges that SFCU
imposes on certain transactions or situations involving your accounts. Without limiting the generality of the foregoing, we note
that our Service Fee Schedule (which can be found on our Web Site by clicking on the link to Disclosures) will apply to certain
transactions while using DirectConnect℠ or MobileConnect℠.
Communications. You agree that you may receive this Agreement, related disclosures and all other communications
from SFCU electronically and that SFCU may respond to you with an electronic communication, even if your communication that
we are responding to was not originally in electronic form. If SFCU sends you an electronic communication, SFCU will consider
it received within three (3) calendar days of the date that it was sent, just like communications via U.S. Mail, regardless of
whether or not you sign on to your specified e-mail account within that time frame.
To the extent permissible under state or federal law, electronic communications that you send to SFCU will not be considered
effective until we receive them and have a reasonable opportunity to act on such communications. It is therefore important that
you consider reporting situations requiring immediate attention to us by calling SFCU toll-free at 888-222-8571, in addition
to providing electronic communication. SFCU may require written confirmation of any communication as well. Note that certain
communications required or permitted in this Agreement must be sent in writing by mail.
Electronic Mail. If you send SFCU an electronic mail message at email@example.com,
SFCU will be deemed to have received it on the following business day. SFCU will have a reasonable time to respond to your e-mail.
You should not rely on electronic mail if you need to communicate with SFCU immediately (e.g., if you
need to report an unauthorized transaction from one of your accounts, or if you need to stop a payment that is scheduled to occur).
Financial Institution's Liability. If we do not complete a transfer to or from your account on 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:
- If, through no fault of ours, you do not have enough money in your account to make the transfer.
- If you have overdraft protection and the transfer would exceed the available funds.
- If your computer, a mobile device, the software, phone lines, any browser, our computer system or any aspect of DirectConnect℠ or MobileConnect℠ were not working properly or were temporarily unavailable and you knew about the breakdown or problem when you started the transfers or transactions.
- If circumstances beyond our control (such as fire, flood, Acts of God, Acts of War) prevent the transfer, despite reasonable precautions that we have taken.
- If the funds are subject to legal process or other encumbrance restricting such transfer.
- There may be other exceptions stated in our Agreement with you.
Unauthorized Transfers - Member Liability. Your Liability for Unauthorized Use. You are responsible for all
transfers you authorize using DirectConnect℠ or MobileConnect℠ under this Agreement. If you permit other persons to use your
Password, you are responsible for any transactions they authorize or conduct on any of your accounts.
Tell us AT ONCE if you think your Password or other DirectConnect℠ or MobileConnect℠ identification has been lost,
stolen or used (or may be used) without your permission, or your DirectConnect℠ or MobileConnect℠ has otherwise been (or may be)
used without your permission. Telephoning is the best way of minimizing your possible losses.
If you tell us within 2 business days after you discover your DirectConnect℠ or MobileConnect℠ Password or other means to
access your account has been lost, stolen or used without your permission, your liability is no more than $50.00 should someone
access your account without your permission. If you do not tell us within 2 business days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your Password or other means to access your account if you had told us, you could be liable for as much as $500.00.
If you do not tell us within 60 days after the monthly statement was mailed or E-Statement availability notification was sent
to you, you may not get back any money you lost after the 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 hospital stay) kept you from telling us, we may
extend the time period.
If you believe your Password has been lost or stolen or that someone has transferred or may transfer money from your account
without your permission, call us immediately at 888-222-8571 or write to us at
Selfreliance FCU, 2332 W. Chicago Ave., Chicago, IL 60622
ATTN: Information Systems Dept.
E-mail Address. We will send periodic notification to you via e-mail to the last known e-mail address provided
by you. You agree to inform us promptly of any change of your e-mail address using the procedures set forth below in Changing
Your E-Mail Address. If you have not notified us of any change to your e-mail address, you agree that your failure to provide
us with a valid e-mail address is the lack of ordinary care on your part, and we will not be responsible for any loss that occurs
as a result of this failure. If we become aware that you are not receiving your E-Statement, we will send your Statement to you
via U.S. Mail within 15 business days to your last address known to us, however, we will have no liability for our failure to do
so except as otherwise provided for in any applicable Federal statute.
Changing Your E-mail Address. The procedure for changing your current e-mail address is to simply go to
DirectConnect℠ at www.selfreliance.com and logon using your User ID and
Password. From the Menu Options located in the top right corner, select Settings, which will direct you to Change E-mail Address.
This change becomes effective immediately. You will receive a notification to your old e-mail address regarding the requested
change shortly thereafter.
Other Agreements. In addition to this Agreement, you and SFCU agree to be bound by and comply with the
requirements of the agreements applicable to each of the accounts for which you elect to receive electronic statement. Your use
of the E-Statement Service is your acknowledgement that you have received these agreements and intend to be bound by them. You
should review other disclosures received by you when you open your accounts at SFCU.
YOUR BILLING RIGHTS
This notice contains important information about your rights and responsibilities under the Fair Credit Billing Act.
NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT OF ACCOUNT.
PROMPT STATEMENT REVIEW
You must promptly review your electronic statement and any accompanying items. If you allow someone other than you to review
your statements, you must still review the statement for any errors, mistakes, irregularities and/or any omissions, because you
will be responsible for the wrongful acts of your employees and agents. Any applicable time periods within which you must notify
us of any errors on your account statement shall begin on the day you are notified via e-mail by SFCU that your monthly
statement is available for you to retrieve on DirectConnect℠, regardless of when you receive and/or open the E-Statement.
If you believe your statement shows an error, or if you need more information about a transaction on your statement, write us
at the address below:
Selfreliance Federal Credit Union
2332 W. Chicago Ave. Chicago, IL 60622
We must hear from you no later than sixty (60) days after we sent you the first statement on which the error or problem appeared.
You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information:
- Your name and account number,
- The dollar amount of the suspected error,
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the
item you are not sure about.
Your rights and our responsibilities after we receive your written notice. We must acknowledge your letter within
30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe
the statement was correct.
After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to
bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.
You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your
statement that are not in question.
If we find that we made a mistake on your statement, you will not have to pay any finance charges related to any questioned amount,
nor the questioned amount. If we didn't make a mistake, you may have to pay finance charges, and you will have to make up any
missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it
If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy
you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to that you
have a question about your statement. In addition, we must tell you the name of anyone we reported you to. We must tell anyone we
report you to that the matter has been settled between us, when it finally is.
If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your statement was correct.
In case of errors or questions about your ELECTRONIC TRANSFERS. If you think an electronic transfer on your
E-Statement wrong, or if you need more information about an electronic transfer on an E-Statement, write us at the address below
no later than 60 days after we sent you the FIRST E-Statement on which the error or problem appeared:
Selfreliance Federal Credit Union
2332 W. Chicago Ave. Chicago, IL 60622
In your letter, give us the following information:
- Your name and account number,
- The dollar amount of the suspected error,
- Describe the error and explain, if you can, why you believe there is an error. If you need more information,
describe the item you are not sure about.
We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this,
we will credit your account for the amount you think is in error so that you will have use of the money during the time it takes
us to complete our investigation.
THE FINANCE CHARGE ON ALL CREDIT UNION CONSUMER LOANS IS COMPUTED BY APPLYING THE PERIODIC RATE TO THE UNPAID BALANCE FOR THE
ACTUAL TIME SUCH BALANCE REMAINS OUTSTANDING. THE BALANCE USED TO COMPUTE THE FINANCE CHARGE IS THE UNPAID LOAN BALANCE EACH DAY
AFTER PAYMENTS AND CREDITS ARE SUBTRACTED AND NEW ADVANCES OR OTHER CHARGES ARE ADDED. PLEASE REFER TO YOUR MORTGAGE DOCUMENTS
FOR LOANS SECURED BY REAL ESTATE FINANCIAL CHARGE COMPUTATION.
IF YOU WISH TO ESTABLISH DirectConnect℠, MobileConnect℠, and E-Statements WITH SFCU AND IF ALL OF THE FOREGOING IS ACCEPTABLE
TO YOU, YOU MAY PROCEED TO COMPLETION OF THE REQUIRED APPLICATION. BY SUBMITTING A THE APPLICATION TO SFCU, YOU WILL BE
ACKNOWLEDGING AND AGREEING THAT THE TERMS AND CONDITIONS OUTLINED IN THIS AGREEMENT WILL APPLY TO AND GOVERN YOUR USE OF SERVICES.