This page explains the terms and conditions for using our E-Banking
Service and provides certain disclosures and information to you
concerning the service. Each of your accounts at S.U.N.Y. Fredonia Federal Credit Union is also governed by the applicable account
disclosure/agreement and Truth In Savings disclosure you received
when you opened your account.
How To Access Your Accounts:
To access your accounts through our E-Banking service, you must
have your account number and an E-Banking password. This information
is requested when you enter our E-Banking pages.
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 E-Banking access password regularly. It is recommended
that you memorize this password and do not write it down. You are
responsible for keeping your password, account numbers and other
account data confidential. If you believe that your password may
have been lost or stolen, or that someone has transferred or may
transfer money between your accounts without your permission, notify
S.U.N.Y. Fredonia Federal Credit Union at once at (716) 673-3585.
You cannot use E-mail to initiate transactions, change information
or inquire on your account (s). We will not respond to these types
of requests via E-mail since we cannot be certain we are corresponding
with you. Please use the appropriate functions within our E-Banking
service, call (716) 673-3585 or visit the credit union for these
There is currently no fee for accessing your account(s) through
our E-Banking service. We reserve the right impose / change the
fee amount, if necessary, after providing 30 days notice to all
users at the E-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
Available Services and Limitations: The following functions may
be performed by members through the service:
- Transfers: You may transfer funds between your
Share or Loan Accounts as the account agreements may allow. Transfers
done through the service DO NOT immediately charge or credit your
account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY
AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
- 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. In addition, there may be drafts written against
your balance, or other electronic items such as debit card transactions,
that have not yet been presented to the credit union for payment.
- 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 E-Banking service
may be updated several times per day for your convenience in viewing
- Password Changes: If you are an E-Banking user,
you may change your password at any time from within the E-Banking
section. For your protection we recommend that you change your
E-Banking password regularly.
- Check orders: You may reorder checks and/or
view and order new check styles available through the credit union.
We will not process check order requests if you do not have a
checking account at the credit union.
- Check search: You may search for drafts that
have cleared your account. You may also list clearings by date
cleared or by check number. The oldest check available will vary
but dates will go back, at a minimum, to your last regular statement
- Additional Services: From time to time, we
will announce additional services which are available through
our E-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.
Our business days are Monday through Friday. Holidays are not included.
Operating Systems and Security:
Our E-Banking site is designed to operate using world wide web technologies
and protocols which are adaptable to a wide range of systems. The
E-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.
browsers allow you to reject cookies from servers. If you don't
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 E-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
E-Banking section. Until it times out, you can come back to our
E-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 has 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. The best way is to completely close
out of the Internet entirely, so the next person to get on will
have to start with a new connection and a new browser. This is especially
important if you are using a public or shared computer.
Our E-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 E-Banking server and your PC.
All E-Banking logins are logged by the server. For authenticated
members who use E-Banking , we collect and store certain information
such as how often you visit the E-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 gather 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 determine
necessary or as we are required by law.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost or stolen
and immediately change your password from within the E-Banking section.
Calling is the best way to notify us immediately. You could lose
all the money in your account. If you tell us within two (2) business
days, you can lose no more than $50 if someone used your password
without your permission.
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 after the sixty (60) days if we can prove that we could
have stopped someone from taking the money if you had told us in
If a good reason kept you from telling us, we will extend the time
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:
S.U.N.Y. Fredonia Federal Credit Union
G139 Williams Center, Fredonia, NY 14063
All transactions generated by you through our E-Banking service
and any E-Banking fees will appear on your monthly or quarterly
If we do not complete a transfer to or 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 transfer;
- If the E-Banking equipment or software was not working properly
and you knew about the breakdown when you started the transfer;
If circumstances beyond our control (such as fire, flood or power
failure) prevent the transfer 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 E-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 or any part thereof,
including, without limitations, any warranties of fitness for a
particular purpose or warranties of merchantability.
Errors and Questions:
In case of errors or questions about your electronic transfers,
telephone us at (716) 673-3585 or write us at G139 Williams Center,
Fredonia, NY 14063 as soon as you can. We must hear from you no
later than sixty (60) days after you learn of the error. You will
need to tell us:
- Your name and account number
- Why you believe there is an error and the dollar amount involved
- Approximately when the error took place.
If you tell us orally, we may require that you send us your complaint
or question in writing within ten (10) business days. We will tell
you the results of our investigation within ten (10) business days
and correct any error promptly. If we need more time, we may take
up to forty-five (45) days to investigate the complaint, but you
will have the use of the funds in question after the ten (10) business
days. If we ask you to put your complaint or question in writing
and we do not receive it within ten (10) business days, we may not
credit your account during the investigation.
We will notify you with the results within three (3) business days
of completing our investigation. If we decide there was no error,
we will send you a written explanation. You may request copies of
the documents that we used in our investigation.
If you need more information about our error resolution procedures,
call us at the telephone number shown above.