Access Agreement

AurGroup Financial Credit Union Electronic Banking Access Agreement

I.  Introduction

II. Accessing Your AurGroup Financial Credit Union Accounts through On-Line Banking
 A. Requirements
 B. Electronic Mail (E-mail)
 C. Fees
 D. New Services
 E. Benefits of Using On-Line Banking
 F. eStatements
 G. Mobile Banking

III.  Terms and Conditions
 A. Your Online Password
 B. Our Liability
 C. Overdrafts: Order of Payments, Transfers, Other Withdrawals
 D. Hours of Accessibility
 E. Additional Terms and Conditions

IV. General Terms
 A. Changes to Charges, Fees or Other Terms
 B. Disclosure of Account Information
 C. Questions or Error Correction on On-Line Banking Transactions
 D. Other General Terms

V. Protecting Your Account
 A. Preventing Misuse of Your Account
 B. Unauthorized Transactions in Your AurGroup Financial Credit Union Accounts

I. Introduction

This Online Access Agreement ("Access Agreement") for accessing your AurGroup Financial Credit Union accounts through On-Line Banking explains the terms and conditions governing the Online banking services offered through On-Line Banking. By using the On-Line Banking Services, you agree to the terms and conditions of this Access Agreement, which includes our eStatement and Mobile Banking Agreements.  By agreeing, you request and agree to receive your statements, notices and all other credit union disclosures required by law electronically. You also understand that even though you have agreed to these terms, you may contact AurGroup Financial Credit Union by e-mail or phone to request a paper copy of a statement or disclosure that has already been made available to you electronically. You understand that a fee may be charged if you request a paper copy of a statement or disclosure and agree that such a fee can be deducted from any account you own at the credit union.  This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Ohio. The terms "we," "us," "our," "AurGroup", and "Credit Union" refer to AurGroup Financial Credit Union. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding Saturday, Sunday and Federal holidays.

On-Line Banking can be used to access AurGroup Financial Credit Union accounts. Each of your accounts at AurGroup Financial Credit Union is also governed by the applicable account disclosure statement ("Deposit Agreement and Disclosure").

II. Accessing Your AurGroup Financial Credit Union Accounts through On-Line Banking

A. Requirements

To access your accounts through On-Line Banking, you must have an AurGroup Financial Credit Union account and an Online password.

B. Electronic Mail (E-mail)

Sending electronic mail (E-mail) through On-Line Banking is a way to communicate with the Credit Union. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of On-Line Banking. To ensure the security of your account information, we recommend that you use E-mail when asking specific questions about your account(s).

You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within On-Line Banking or call 1-888-442-7998.

C. Fees

There are no monthly or transaction fees for accessing your account(s) through On-Line Banking.

Please note that fees may be assessed by your Online service provider.

D. New Services

AurGroup Financial Credit Union may, from time to time, introduce new Online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using On-Line Banking

With On-Line Banking, you can manage your personal or small business accounts from your home or office on your personal computer. You can use On-Line Banking to:

• View account balances and review transaction history.
• Transfer money between accounts. (As noted in the applicable account Terms and Conditions Disclosure).
• Pay bills to any merchant, institution or individual, (through On-Line Banking Bill Payer)
• Communicate directly with AurGroup Financial Credit Union through E-mail.
  
  

F. eStatements

The AurGroup Financial Credit Union eStatement service permits you to electronically view your statement of accounts and communicate with AurGroup Financial Credit Union. In this Agreement, the words "you", "your" and "yours" mean those who request and use AurGroup Financial Credit Union eStatement, any joint owners of accounts accessed under this Agreement or any authorized users of this service. The words "we," "us," and "our" mean AurGroup Financial Credit Union. The word "account" means any one or more accounts you have with AurGroup Financial Credit Union. By requesting and using the AurGroup Financial Credit Union eStatement service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.

·         Types of Transactions:  At the present time, you may use the AurGroup Financial Credit Union eStatement service to:

View current monthly and/or previous month's statement online.
Download current monthly and/or previous month's statement online.
Print current monthly and/or previous month's statement online.
Request to sign up or to be removed from the eStatement Service.
Communicate with AurGroup Financial Credit Union using the electronic mail.

·        Periodic Statements:  Transfers, withdrawals, and bill payments will be recorded on your periodic statement. You will receive a statement monthly, or at least quarterly, depending on the type of transactions performed on your accounts.

·         Termination of AurGroup Financial Credit Union eStatement Service:  You agree that we may terminate this Agreement and your use of the AurGroup Financial Credit Union eStatement service if you or any authorized user of your account or access code breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your account or access code. You or any other party on your account can terminate this Agreement by notifying us in writing. Your termination will become effective after we have received it and have had a reasonable opportunity to act on it.

·         By agreeing, you request and agree to receive your statements, notices and all other credit union disclosures required by law electronically. You also understand that even though you have agreed to these terms, you may contact AurGroup Financial Credit Union by e-mail or phone to request a paper copy of a statement or disclosure that has already been made available to you electronically. You understand that a fee may be charged if you request a paper copy of a statement or disclosure and agree that such a fee can be deducted from any account you own at the credit union. 

G. Mobile Banking

·         Each time you use AurGroup Financial Credit Union Mobile Banking, this Mobile Banking Services Addendum (“Mobile Addendum”) and AurGroup Financial Credit Union Online Access Agreement and Disclosure Statement (“Agreement”) apply.

·         Terms not otherwise defined in this Mobile Addendum will have the same meaning as set forth in the Agreement.

·         Where there is any inconsistency between this Mobile Addendum and the Agreement, the terms and conditions of the Mobile Addendum shall prevail.

·         AurGroup Financial Credit Union Mobile is a special and an additional feature of the AurGroup Financial Credit Union On-line Banking.  It is not a stand-alone product.  AurGroup Financial Credit Union Mobile is available to only registered users of AurGroup Financial Credit Union On-Line Banking who have accepted this Mobile Addendum.

·         Not all mobile devices may be capable of accessing and using AurGroup Financial Credit Union Mobile Banking.  You are responsible for using, having or obtaining a compatible mobile device in connection with any use of the service.  AurGroup Financial Credit Union is not responsible for:

·         Any ability of a mobile device to access the service or

·         Any loss or damage to a mobile device resulting from your access or use or attempted use of AurGroup Financial Credit Union Mobile Banking.

·         You are responsible for ALL fees charged by your provider for use of the Internet Access via your wireless device. 

·         If you travel or move outside of your local access area, as defined by your wireless or telephone communications provider, you may still have access to AurGroup Financial Credit Union On-Line Banking services.  You should check with your wireless or telephone communications provider to confirm that the mobile device will be able to use the relevant network in those areas in which you are traveling or living.  AurGroup Financial Credit Union is not liable for any additional costs you incur.

·         Any conditions of use and charges relating to a mobile device are your responsibility.

·         You will use your On-Line Banking Sign On ID and On-Line Banking Password to log on to your AurGroup Financial Credit Union Mobile Banking.

·         Not all On-Line Banking services and features are available for AurGroup Financial Credit Union Mobile Banking.  You cannot perform the following functions:

·         Member profile changes (change password, change address, change phone numbers, change email)

·         eAlerts (add, edit, delete)

·         Bill Pay (enroll, add new payee, edit payee, delete payee, create or edit recurring payments)

·         Order Checks

·         Access tax documents

·         Change timeout sessions (default is 5 minutes)

·         You can use your AurGroup Financial Credit Union Mobile Banking to access your AurGroup Financial Credit Union Accounts linked to your On-Line Banking to perform the following activities:

·         Log on (use existing Sign On ID and Password) and Log Off

·         Register your mobile device

·         View account balance and available balance (if applicable) for deposit and loan accounts

·         View at least the last 30 days of account activity (history)

·         View cleared checks

·         Perform transfers

·         Bill Pay (you must be setup for this)

§         Pay existing payees from the list only.  You cannot set up a new payee or change existing payee info

§         Make one-time only payments, no recurring

§         View scheduled payments

§         Date will pre-fill with next business day, however, date can be changed

 

CHANGING THIS MOBILE ADDENDUM.  We have the right to change the charges, fees and the terms of this Mobile Addendum.  As we may alter these terms and conditions at any time, it is your responsibility to periodically review this Mobile Addendum in order to ensure your continued compliance herewith.  We will notify you at least 30 days before the change will take effect if the change will cause you greater cost of liability or if it will limit your access to AurGroup Financial Credit Union Mobile Banking, unless an immediate change is necessary to maintain the security of the system or unless such change or amendments are otherwise required by law or applicable regulation.  You will be notified of such changes in the Credit Union’s newsletter and/or in a special mailing or electronically by email to members with estatements.  Your continued use of AurGroup Financial Credit Union Mobile Banking and On-Line Banking constitutes acceptance of all changes to the terms and conditions of the Mobile addendum and the Agreement. 

III. Terms and Conditions

The first time you access your AurGroup Financial Credit Union accounts through On-Line Banking you agree to be bound by all the terms and conditions of this Agreement and acknowledge your receipt and understanding of this disclosure.

A. Your Online Password

You will be given an Online Password that will give you access to your AurGroup Financial Credit Union accounts for On-Line Banking access. This password can be changed within On-Line Banking using the options button. We recommend that you change your password regularly. AurGroup Financial Credit Union will act on instructions received under your password. For security purposes, it is recommended that you memorize this Online password and do not write it down. You are responsible for keeping your password, account numbers and other account data confidential.

B. Our Liability

Except as specifically provided in this Agreement or where the law requires a different standard, you agree that neither we nor the service providers shall be responsible for any loss, property damage or bodily injury, whether caused by the equipment, software, AurGroup Financial Credit Union, OR by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Explorer browser), OR by Internet access providers OR by Online service providers OR by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the equipment, software, the Online Financial Services, or Internet browser or access software.

C. Overdrafts: Order of Payments, Transfers, Other Withdrawals

If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, On-Line Banking transfers and bill payments, etc.) that you have requested for a given business day, then:

1. Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and
2. The electronic funds transfers initiated through On-Line Banking may result in an overdraft of your account and may, at AurGroup Financial Credit Union's discretion, be canceled.

In addition, you will be charged the same overdraft charges that apply to your account.

D. Hours of Accessibility

You can access your AurGroup Financial Credit Union accounts through On-Line Banking seven days a week, 24 hours a day. However, at certain times, some or all of On-Line Banking may not be available due to system maintenance or reasons beyond our control. 

A One-Time transfer initiated through On-Line Banking before 6:55 p.m. EST on a business day is posted to your account the same day. All transfers completed after 6:55 p.m. EST on a business day or on a Saturday, Sunday or banking holiday, will be posted with the next business days date.

A Reoccurring transfer initiated through On-Line Banking scheduled to take place on a Saturday, Sunday or banking holiday, will be posted with the previous business days date. Example: You have a reoccurring transfer scheduled for the 15^th of each month and this month the 15^th falls on Saturday; your transfer will post on Friday the 14^th.

Our business days are Monday through Friday. Saturday, Sunday and Federal holidays are not included as a business day.

E. Additional Terms and Conditions

Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts.

Transferring Funds - The number of transfers from a savings account is limited as described in the applicable Terms and Conditions Disclosure. If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.

IV. General Terms

A. Changes to Charges, Fees or Other Terms

We reserve the right to change the charges, fees or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you Online, or send a notice to you at the address shown on our records, or send you an electronic mail message (E-mail). The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for Online transactions, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions, unless an immediate change is necessary to maintain the security of the system. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. As always, you may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We also reserve the option, in our business judgment, to waive, reduce or reverse charges or fees in individual situations. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

B. Disclosure of Account Information

You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The Credit Union may also provide information about your account(s) to persons or companies the Credit Union believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, the Credit Union routinely informs a credit bureau when accounts are closed by the Credit Union because they were not handled properly. The Credit Union may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information.

C. Questions or Error Correction on On-Line Banking Transactions

In case of questions or errors about On-Line Banking funds transfers through On-Line Banking involving your account, here is what you should do:

• Contact AurGroup Financial Credit Union by electronic mail (E-mail) via On-Line Banking or
• Fax AurGroup Financial Credit Union at 513-942-5842 or
• Telephone AurGroup Financial Credit Union at 1-888-442-7998 or
• Write AurGroup Financial Credit Union at 8811 Holden Blvd, Fairfield, Ohio 45014, as soon as you can if you think your statement or transaction record is wrong, or if you need more information about a transaction listed on the statement or transaction record
• We must hear from you no later than sixty (60) days after we have sent the first paper statement   (or e-statement) on which the problem or error appeared. If you notify us verbally, we may require that you send us your complaint or question in writing within ten (10) business days.
• Tell us your name and account number
• Describe the error or the transaction you are unsure about, and explain why you believe it is in error or why you need more information.
• Tell us the dollar amount of the suspected error.
• Here's what we will do:

We will tell you the results of our investigation within ten (10) business days, or twenty (20) business days in the case of point of sale purchases, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days, or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days, or twenty (20) business days in the case of point of sale or international transactions, for the amount you think is in error, so that 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 we do not receive it within ten (10) business days, we will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited.   You may be charged research fees if we determine there was no error.  You may request copies of the documents that we used in our investigation.

If we do not complete a transfer to or from your AurGroup Financial Credit Union 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 a transfer.
• If a legal order directs us to prohibit withdrawals from the account.
• If your account is closed or if it has been frozen.
• If the transfer would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts.
• If you, or anyone you allow, commits any fraud or violates any law or regulation.
• If any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly.
• If you have not provided us with complete and correct payment information, including without limitation the name, address, account number, and payment amount for the payee on a bill payment.
• If you have not properly followed the instructions for using ON-LINE BANKING.
• If circumstances beyond our control (such as fire, flood, or other acts of God or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us.

D. Other General Terms

Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, the Credit Union's rules and regulations, the rules and regulations of any funds transfer system to which the Credit Union belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also.

AurGroup Financial Credit Union reserves the right to terminate this Agreement and your access to On-Line Banking, in whole or in part, at any time without prior notice.

V. Protecting Your Account

A. Preventing Misuse of Your Account

Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call AurGroup Financial Credit Union at 1-888-442-7998.

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's license, Social Security Number, etc. This information by itself or together with information on your account may allow unauthorized access to your account(s). It is your responsibility to protect personal information with the same level of care that you protect your account information.

Taking Care of Your Online Password - The password that is used to gain access to On-Line Banking should also be kept confidential. For your protection we recommend that you change your Online password regularly. It is recommended that you memorize this Online 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 Online password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, immediately notify AurGroup Financial Credit Union at 1-888-442-7998.

B. Unauthorized Transactions in Your AurGroup Financial Credit Union Accounts

Notify us immediately if you believe another person has improperly obtained your Online password. Also notify us if someone has transferred or may transfer money from your account without your permission, or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call AurGroup Financial Credit Union at 1-888-442-7998, or write AurGroup Financial Credit Union, 8811 Holden Blvd., Fairfield, Ohio 45014.

If your Online password has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Online password without your permission to access a AurGroup Financial Credit Union deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.

Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the paper statement (or e-statement) was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section may be extended.