ON 1/16/18 PORTIONS OF OUR ONLINE BANKING & MOBILE SERVICE DISCLOSURE WERE UPDATED.  IF INTERESTED, PLEASE REVIEW THE MOBILE CHECK ENDORSEMENT AND INACTIVITY SECTIONS FOR DETAILS.          

This Online & Mobile Banking Service Agreement and Disclosure describes your rights and obligations as a user of Sun Federal’s Online and Mobile Banking Service, (the “Service”) and the rights and obligations of Sun Federal Credit Union (the “Agreement”).

Please read this entire Agreement carefully before using the Service. We recommend that you print a paper copy of this Agreement and any communication you receive from Sun Federal and retain a copy for your records.

You agree to comply with all terms and conditions of this Agreement. You must have an Eligible Account and a valid and up-to-date e-mail address in order to use the Service. We may, at any time, and at our sole discretion, make changes to the Service and to this Agreement, provided that we will give you prior notice of any changes, as may be required by applicable laws and regulations. Use of the Service after any such changes, constitutes your agreement to the changes.

A.      Online Banking

  1. Description
    The Service provides Eligible Members the ability to conduct financial transactions on their eligible Credit Union accounts 24 hours a day, seven days a week (subject to the routine maintenance and other factors set forth in this Agreement), with access to the Internet, use of valid Login Credentials and authentication of member identity. The Service utilizes industry-standard encryption and information security protocols.
  2. Eligibility and Enrollment
    Any Eligible Member may enroll in and use the Service.
  3. Terms and Conditions
    1. Access and Security
      All users of the Service must have valid Login Credentials and are subject to Multi-Factor Authentication and/or layered security in order to verify the identity of the Eligible Member to access and conduct authorized financial transactions to/from account(s) within the Service.

      If a password or challenge question response is entered incorrectly in the Service after multiple attempts, further security measures will be required to gain access.

      Login Credentials are confidential and you should keep them strictly confidential. We recommend not writing them down. You agree to keep your Login Credentials confidential and not make these available to any unauthorized individuals. You must notify us immediately if you believe the confidentiality or security of your Login Credentials has been compromised.
    2. Hardware and Software Requirements
      In order to use the Service, you must have a personal computer, operating system and telecommunications connections to the Internet and capable of supporting the below requirements. These hardware and software requirements may change from time to time with advances in technology and upgrades to the Service.

           (1)    An Internet browser that is compatible with the Service’s supported browsers;
           (2)    An e-mail account and e-mail software capable of retrieving, reading and responding to emails;
           (3)    Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit;
  4. Notifications and Secure Messages
    Notifications may be processed once a day, 365/366 days a year, as applicable, and are delivered via email, text message, or push notification. You can establish alert notifications from within the Service. In addition, you agree that we can require that certain notifications and alerts be sent to you electronically.

    You can send and receive Secure Messages through the Service, which may include attachments when necessary. We will respond to all messages in a timely manner, as designated by us. Notifications are deemed delivered by us when sent to you. We are not responsible for undelivered or incorrect notifications and/or Secure Messages for reasons that are outside our control.
  5. Termination of Service
    We reserve the right to suspend or terminate access to any feature of and/or the entire Service at any time and without prior notice including if your online banking access does not remain active.

    Neither termination nor suspension of your use of the Service shall affect your liability or obligation under this Agreement. Incidents of transactions that are returned for a closed and/or invalid account and repeated incidents of non-sufficient funds may result in termination.
  6. Sharing Account Information with Third Parties
    When enrolled in the Service or in any features of the Service, we may make requests for personal information to a consumer reporting agency or other third party to determine initial and ongoing eligibility. You hereby authorize us to make any and all such requests.

    When performing transactions or inquiries online, our business partners who assist us in providing the Service may have access to personal information. We may also disclose information to third parties about accounts or certain transactions:
    1. When it is necessary to provide services to you, such as completing a request for an electronic transfer; or
    2.  Where it is necessary for completing payments; or
    3. In order to verify the existence and condition of an account for a third party, such as a credit bureau or merchant; or
    4. In order to comply with a government agency or court orders; or
    5. If the Credit Union has written permission; or
    6. Pursuant to the Credit Union’s Privacy Policy

You understand and agree that, in order to provide the Service, it is necessary for us to access third party websites and databases containing information regarding you and/or your accounts (collectively, the “Databases”)  to retrieve information as requested or authorized by you. By using the Service, you agree to authorize us to access such Databases to retrieve such Content as requested or authorized by you, or for any other purpose consistent with this Agreement.

The Sun Federal website may contain links to third party sites (“Linked Sites”) as needed or as a convenience to you. We do not screen, approve, review or otherwise endorse any content or information contained in any Linked Sites. You acknowledge and agree that we, our affiliates and partners are not responsible for the contents of any Linked Sites, including the accuracy or availability of information provided by Linked Sites, and make no representations or warranties regarding the Linked Sites or your use of them. In addition, you acknowledge and agree that the Linked Sites are not owned or controlled by us and that they operate under their own privacy policy that is different from the Sun Federal Privacy Policy.

  1.  Amendments
    We reserve the right to change the terms under which the Service is offered in our sole discretion at any time. However, we will notify you of any material changes to these terms as may be required by applicable laws or regulations.

    If an immediate change in the terms and conditions is necessary for security reasons, these terms and conditions may be amended without such prior notice. In most cases, you will receive notice online. However, we reserve the right to notify you by e-mail or conventional mail, at our discretion.

    You agree that if you continue to use the Service after we notify you of any change, you thereby accept the changes to the terms and agree to be bound by this Agreement, as amended.

    Further, we may revise or update the programs, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior versions of the programs, services, and/or related material and limit access to the Service’s more recent revisions and updates.
  2. Privacy and Security
    We regard your privacy and security with the utmost importance and are committed to safeguarding any information that you share with us. In order to provide the Service, we must obtain from you certain personal information regarding your accounts and financial relationships at the time of enrollment.

    We will collect only such information as you knowingly provide to us or specifically authorize us to obtain on your behalf. Our priority is to keep this information secure and to use it only as you authorize us. This information is necessary to create your user profile, which allows you to access the Service.
  3. Use of Content
    Subject to our Privacy Policy you agree that we may use, copy, modify, display and distribute Content in order to provide the Service and, to the extent applicable, you hereby give us a license to do so.
  4. No Waiver
    We shall not be deemed to have waived any of our rights or remedies hereunder unless such waiver is in writing and signed by a Credit Union officer. No delay or omission on our part in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.
  5. Governing Law
    This Agreement shall be governed by and construed in accordance with the laws of the State of Ohio (to the extent not preempted by Federal law), without giving effect to its conflict of law’s provisions or your actual state or country of residence. If for any reason a court of competent jurisdiction finds any provision or portion of this Agreement to be unenforceable, the remainder of the Agreement will continue to be in full force and effect.
  6. Captions
    The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions for this Agreement.
  7. Assignment
    You may not assign your accounts or this Agreement to any other party.
  8. No Unlawful or Prohibited Use
    As a condition of using the Service, you warrant to us that you will not use it for any purpose that is unlawful or is not permitted, expressly or implicitly, by the terms of this Agreement or by any applicable law or regulation. You further warrant and represent that you will not use the Service in any manner that could damage, disable, overburden, or impair the services or interfere with any other party’s use and enjoyment of the Service.

    You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Service. You agree that these warranties and representations will remain in full force and effect even if this Agreement terminates for any reason.

    You agree that we may revoke use of the Service if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the account belonging to you.
  9. Indemnification
    You understand and agree that you are required to indemnify us and hold us harmless against any and all claims, actions, damages, liabilities, costs, and expenses, including reasonable attorneys’ fees and expenses arising from your use of the Services and/or breach of this Agreement. You understand and agree that this paragraph shall survive the termination of this Agreement.

    You understand and agree that you are required to indemnify our technology partners who provide this service, and hold harmless their affiliates, officers, employees and agents, from and against any third party claims, suits, proceedings, actions or demands, including to claims of another financial institution, business entity or governmental authority, and all losses, liabilities, damages, fines, penalties, costs and expenses, including court costs and reasonable attorney fees and expenses, arising from such claims, to the extent such claim is related to FI or End User’s use of the Services, Applications, unless such claim directly results from an action or omission made by our technology partners in bad faith. You understand and agree that this paragraph shall survive the termination of this Agreement.
  10. Proprietary Rights
    You acknowledge and agree that we own all rights in and to the Service. You are permitted to use the Service only as expressly authorized by this Agreement. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners retain all rights, title and interests in and to the Services, Software and Development made available to you.
  11. Disclaimer of Warranty
    We make no warranty of any kind, express or implied, including any implied warranty of merchantability or fitness for a particular purpose or non-infringement, in connection with the Service provided under this Agreement.

    Further, we make no warranty or representation regarding the results that may be obtained from the use of the Service, the accuracy or reliability of information retrieved by us from the third party accounts or that the Service will meet any user’s requirements to be uninterrupted, timely, secure, or error free.

    We are not responsible for failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, bugs, errors, configuration problems or incompatibility of computer hardware or software, failure or unavailability of internet access, problems with internet service providers, problems or delays with intermediate computer or communications networks or facilities, problems with data transmission facilities, your telephone service or any other problems you experience due to causes beyond our control.

    You understand and agree that the Service is provided “as-is.” We assume no responsibility for the timeliness, deletion, mis-delivery or failure to store any user communications or personalization settings. You understand and expressly agree that use of the Service is at your sole risk, that any material and/or data downloaded or otherwise obtained through the use of the Service is at your own discretion and risk and that you will be solely responsible for any damages, including without limitation, damage to your computer system or loss of data that results from the download of such material and/or data.
  12. Data Retention
    We retain transaction history in the Service for a period of time to be determined at the sole discretion of the Credit Union and/or applicable laws or regulations.
  13. Contact in the Event of Unauthorized Transaction and Consumer Liability
    Tell us AT ONCE if you believe your Login Credentials have been lost or stolen, or if you believe that any banking transaction (e.g. electronic funds transfer) made online or via a mobile device – or an unauthorized ATM withdrawal or debit card purchase - has been made without your permission. Contacting us by telephone immediately at (800) 786-0945 option 2, Monday through Thursday from 8:00 a.m. – 4:30 p.m. EST and Friday from 8:00 a.m. – 5:30 p.m. EST is the best way of keeping your possible losses to a minimum.   

    If you contact us within two (2) Business Days after you learn of the loss or theft of your Login Credentials, you can lose no more than $50.  If you do NOT contact us within two (2) Business Days after you learn of the loss or theft of your Login Credentials, AND we can prove we could have stopped this activity, you could lose as much as $500.

    You must report any unauthorized withdrawals or transfer(s) that appears on your periodic statement within 60 days of Sun Federal sending you the statement to avoid liability for subsequent transfers. If you fail to do so, your liability shall not exceed the amount of the unauthorized withdrawals or transfers that occur after the close of the 60 days and before notice to Sun Federal, and that we establish would not have occurred had You notified us within the 60-day period.

    You agree that our rights and remedies arising out of any breach of your representations and warranties in this Agreement, the limitations on our liability and our rights to indemnification under this Agreement are continuing and shall survive the termination of this Agreement, notwithstanding the lack of any specific reference to such survivability in these provisions. Our failure to enforce the strict performance of any provision of this Agreement will not constitute a waiver of our right to subsequently enforce such provision or any other provisions of this Agreement.

B.      Mobile Banking

  1. Service Description
    Eligible Members can enroll in Mobile Banking, which allows you to access your account and perform select financial transactions and other activities from a mobile device either via the mobile application or through a web browser.
  2. Accessing Mobile Banking
    You can access Mobile Banking using the Sun Federal Mobile Site or downloading the “Mobile App”.
  3. Fees
    We are not responsible for fees or charges from your mobile phone/device provider. Wireless carrier fees may apply.

C.      Mobile Check Deposit
 

  1. Service Description
    Mobile Check Deposit is designed to allow you to make deposits of checks (“original checks”) into certain accounts with your mobile device camera using the Sun Federal Mobile Application or “Mobile App” and delivering the digital images and associated deposit information (“images”) to us or our processorwith your mobile device. After you login to our Mobile Application, you may use Mobile Check Deposit.
  2. Limits
    We may establish limits on the number of checks or the total dollar amount of checks deposited using Mobile Check Deposit. These limits may change from time to time without prior notice to you.
  3. Eligible items
    You agree to deposit only checks (i.e., drafts drawn on a credit union, savings and loan or bank and payable on demand.) You agree that you will not use Mobile Check Deposit to deposit:
    1. Checks payable to any person or entity other than you (i.e., payable to another party and then endorsed to you).
    2. Checks payable to you and another party who is not a joint owner on the account.
    3. Checks that contain evidence of alteration, or that you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn.
    4. Checks that are not in original form with a signature, such as substitute checks or remotely created checks.
    5.  Checks previously presented for payment at another financial institution.
    6. Checks not issued in US dollars or not drawn on a US financial institution.
    7. Checks not payable in US currency.
    8. Checks that are incomplete in any way.
    9. Checks stamped with “non-negotiable” watermarks.
    10. Checks dated more than 6 months prior to the date of deposit.
    11. Checks not acceptable for deposit under the terms of your Membership Agreement.
    12. Savings bonds.
  4. Requirements
    Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearinghouse or association.  

    Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. Your endorsement must include your signature and “FOR MOBILE CHECK DEPOSIT ONLY AT SUN FEDERAL”. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility.

    A check payable to two payees must be endorsed by both payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and your joint owner, both of you must endorse the check.
  5. Receipt of Deposit
    All images processed for deposit through Mobile Check Deposit will be treated as “deposits” under your current Membership Agreement with us and will be subject to all terms of the Membership Agreement. We are not responsible for any image that we do not receive.

    Following receipt, we may process the image by preparing a “substitute check” or clearing the item as an image.

    We reserve the right, at our sole and absolute discretion, to reject any image for Mobile Check Deposit into your account. We will notify you of rejected images.
  6. Original checks
    After you submit an image; you must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within 10 calendar days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check.

    You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid.
  7. Returned Deposits
    Any credit to your account for checks deposited using Mobile Check Deposit is provisional. If original checks deposited through Mobile Check Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you.

    We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.
  8. Your Warranties
    You make the following warranties and representations with respect to each image:
    1. Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.
    2. The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine and accurate.
    3. You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.
    4. There are no other duplicate images of the original check.
    5. The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.
    6. You are authorized to enforce and obtain payment of the original check.
    7. You have possession of the original check and no party will submit the original check for payment.

With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule.

You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems.

  1. Compliance with Law
    You will use Mobile Check Depositfor lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations.
  2. Mobile Deposit Unavailability
    Mobile Check Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Check Deposit is unavailable, you may deposit original checks at any Sun Federal branch, through an ATM, at Shared Branch locations or by mailing the original check to: Sun Federal Credit Union, Attn: Sun Support, 1627 Holland Road, Maumee, OH 43537.
  3. Funds Availability
    For purposes of funds availability, Mobile Check Deposits are considered deposits made by you in Maumee, OH. Mobile Check Deposits confirmed as received before 3:00 pm Eastern Standard Time (EST) on a business day will be credited to your account by 4:30 pm EST that same business day. Deposits confirmed received after 3:00 pm EST, and deposits confirmed received on holidays or days that are not business days, will be credited to your account by 4:30 pm EST the following business day. Checks are subject to verification and may be rejected for any reason without liability to you.

    Funds will be available as described in our Funds Availability Policy Disclosure
  •  Once your check is verified and deposit confirmed, the first $200 of your check deposit will be made available to you.  
     
  • The remainder of your check deposit will be made available to you on the second business day after the day the deposit is confirmed in most cases.   
     
  •  We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:

o   We believe a check you deposit will not be paid.

o   You deposit checks totaling more than $5,000.00 on any one day.

o   You have overdrawn your account repeatedly in the last six (6) months.

o   There is an emergency, such as failure of communications or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

  1. Mobile Deposit Security
    You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits.

    You will notify us immediately by telephone at 800.786.0945 option 2 and with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.  
  2. Your Responsibility
    You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Check Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us.
  3. Hardware and Software Requirements
    In order to use Mobile Deposits, you must have a supported mobile device with a supported browser. (See Sunfederalcu.org)
  4. Suspension or Termination of Service
    We reserve the right to suspend and/or terminate the Mobile Deposit Service in the event of abuse, fraud, negligence, or other activity that we deem unlawful or harmful.

D.      Fees
You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone and/or Internet service provider.
 

E.      eStatements and eNotices

  1. Service Description
    eStatements and eNotices refer to a service where you can obtain, view, print or copy/download periodic (monthly/quarterly) statements and applicable account notices online.  Statements and notices can accumulate up to the most recent 24 months. Each month/quarter (and every day that a new notice is available), an e-mail notification will be sent advising of the availability of a statement or notice.
  2. Consent to Online Delivery of Account Statements and Notices
    By clicking “Subscribe” you affirmatively consent to receiving statements and notices online. This means that you agree to accept the following online statement documents: (1) Periodic Annual Statements, (2) Notices of Billing Error Rights, (3) Account Notices, (4) Annual Privacy Notice, (5) Electronic Funds Transfer Notice, (6) Product & Service Disclosures, (7) Annual SFCU Election Process Notices, and (8) Tax Statements.

    There are no fees associated with receiving your statement and Credit Union information electronically.  However, it is required that you are enrolled in Sun Federal’s no-cost Online Banking product to receive them.  If you would prefer to receive statements and notices by conventional mail only, you may unsubscribe by contacting Sun Support at (800) 786-0945 option 2.
  3. Terms and Conditions
    1. Hardware and Software Requirements
      To open and view eStatement or eNotices or any other document sent by us, your computer must be able to receive, present and store documents in portable document format (PDF). The latest version of Adobe Reader® software that will enable you open and view PDF documents can be downloaded at adobe.com or by visiting the footer of sunfederalcu.org and selecting the “Click Here” link. By agreeing to accept statements and notices online, you represent and demonstrate that you have the necessary equipment and software to view, access, read, download, print and store the eStatements and eNotices.
    2.  Notifications
      Email or Secure Message is the primary communication method for this service. The eStatement is provided to you within Sun Federal’s Online Banking that is password protected for your security.  You authorize the Credit Union to use your email address to notify you electronically.  Therefore, you must notify us of any change in your email address. We are not responsible for requests not received. If an email address becomes no longer valid, notifications will not be received, nor will paper statements or any applicable notices be sent to the mailing address on record.  To update your contact information, please access the “Contact” tab within the “Settings”   of Online Banking or call Sun Support at (800) 786-0945 option 2.
    3. Sharing Account Information with Third Parties
      Our business partners who assist us in providing the Service may have access to personal information. We may also disclose information to third parties about accounts or certain transactions pursuant to the Credit Union’s Privacy Policy.  We do not and will not sell or provide personal information to third parties for independent use.

F.      Transfers
 

  1. Service Description
    This Agreement describes the various types of transfers that are available within the Service and the rights and responsibilities concerning these transactions, including rights under the Electronic Fund Transfer Act.

    Transfers through the Service that affect savings accounts are subject to the Federally-mandated limitations on withdrawals and transfer transactions described in the “Truth-In-Savings Disclosure”.

    After every transfer is successfully initiated, a confirmation message appears and can be viewed in the transfer history once the transfer is successfully processed. Documentation of transfers will be reflected on periodic statements, as required by applicable rules.
  2. Transfers between Sun Federal Accounts (“Internal Transfers”)
    Internal Transfers refer to the transfers made from one of your Eligible Accounts to another Eligible Account.

    Internal transfers may be one-time, recurring, or scheduled for a future date. Transfers that are not scheduled for a future-date occur immediately and cannot be cancelled.

    If a recurring or future-dated internal transfer fails for any reason, you will not be notified of the failure unless you sign up for a Notification within the Service.
  3. Error Resolution and Disputes
    Refer to the Error Resolution (section H) of this Agreement. If you believe that any transfer has been made without your permission, contact Sun Support immediately at (800) 786-0945 option 2 to protect your rights and limit your potential liability.

G.      Bill Payment

  1. Service Description
    You may pay bills via the Bill Payment Service by electronic means or paper check based on availability to eligible payees located in the United States within established Bill Payment Service limits. You must have a checking account in order to use the service. This service may be accessed either online or via your mobile device.
  2. Definitions
    Payee refers to the vendor/biller, person or entity to which you wish a bill payment to be directed.

    Payment Instructions refers to the information provided by you for a bill payment to be made to your Payee (e.g., payee name, account number, payment amount, and/or payment date).

    Payment Account refers to your checking account. Should the account not have sufficient funds or be overdrawn when a bill payment is scheduled, any applicable share account or available balance on line- of-credit accounts at Sun Federal, from which all bill payments may be made and/or such funds collected. Multiple checking accounts may be established as Payment Accounts.

    Payment Service and Bill Payment Service refer to the Bill Payment Service.

    Deliver On Date refers to the date your bill payment transaction will be delivered to your chosen Payee.

    Send On Date refers to the Business Day of your choice you want your bill payment to be sent and the date your payment will be processed in the Bill Payment System.

    Cutoff Time refers to 3:00 p.m. Eastern Standard Time (EST) on any Business Day.

    By providing the Bill Payment Service with the payee names and account information, you authorize the Bill Payment Service to follow the Payment Instructions that it receives from you through the Service. When a Payment Instruction is received by the Bill Payment Service, you authorize it to debit your designated Payment Account(s) and remit funds on your behalf.
  3. Payment Processing
    Payment will be made to your Payee either electronically via the Automated Clearing House (ACH) or by paper check. The method of payment depends upon the processing method that can be accommodated by the Payee (e.g., some Payees are unable to accept electronic payments). Payments made through the Bill Payment Service will appear on periodic statements.

    Payments and transfers from your Payment Account may be processed in four different ways:
    1. Today: If you designate a bill payment as a “Today” transaction, the Send On Date will be the same Business Day if requested prior to the Cutoff Time. Sufficient available funds must be available in the Payment Account at the time you request the transaction. Payments will be deducted from your Payment Account within one business day after the Send On Date. “Today” payments may not be changed once they are no longer in the “Payment Outbox.”
    2. Future: If you designate a payment as a “Future” transaction, you may request that the transaction be made on a future date. You will only be able to establish payments with a Send On Date that is a Business Day. Sufficient and available funds should be available the night before the Send On Date.  Payments will be deducted from your Payment Account within one business day after the Send On Date.  “Future” transactions may be canceled or changed as long as they are in a pending status.
    3. Auto Pay: If you designate a payment as an Auto Pay transaction, you may request that the transaction be made in the same amount to the same Payee or account on a specified regular, periodic basis. You will designate a “start” and “end” date. You will only be able to establish the initial Auto Pay transaction with a Send On Date that is a Business Day. Sufficient and available funds should be available the night before the Send On Date.  Payments will be deducted from your Payment Account within one business day after the Send On Date. Auto Pay transactions may be canceled or changed as long as they are in a pending status. You may only establish a single Auto Pay transaction to the same Payee.
    4. Automatic: If you receive e-bills for specific payee(s), you can designate an automatic payment rule to pay the bill or a portion of the bill. Sufficient and available funds should be available the night before the Send On Date.  Payments will be deducted from your Payment Account within one business day after the Send On Date.  “Automatic” payments may only be changed if they are in a pending status.
  4. E-Bills (Electronic Bills)
    By enrolling in e-bills, you are authorizing the Payee-biller that offers this option to transmit your bill to us and are authorizing us to display your bill within the Service. Important: Your enrollment in e-bills will generally result in the termination of any existing bill in paper form that you are receiving currently. The e-bill setup process may take a full billing cycle to process.

    There are two types of e-bills, direct and in-direct, which may have different setup requirements based upon the individual Payee. Direct e-bills do not require any payee website login information. For indirect e-bills, the Bill Payment service collects login credentials to the Payee site during the e-bill setup process.

    We are not responsible for e-bills that do not arrive or late payments as a result of late/missing electronic or paper bills.

    You authorize us to provide your e-mail address and other required information to each Payee-biller you specify in order to set up and maintain the e-bill feature for you. You agree to abide by all terms and conditions and other requirements by the Payee-biller, including as all may be updated from time to time.
  5. Stopping or Modifying Online Bill Payment Payments
    Payments designated as “Today” transactions cannot be stopped, canceled, or changed once they are being processed.

    Stop payments are only applicable to payments made by paper check that have not yet cleared. In order to request a paper check stop payment, you must contact Sun Support. If the stop payment can be processed, a credit to your Payment Account will be processed within three (3) Business Days from the stop payment request date. You are responsible for completing any/all modifications to payments, payees, etc.  Our standard stop payment fee applies.

    If we do not properly complete a stop payment on a bill payment made by paper check on time according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable if the information provided to us to process the stop payment order is incorrect or the fault lies with the member. There may be other exceptions deemed applicable by us.
  6. Documentation of Payments
    After every payment is made; a confirmation with reference information will be viewable through the Service. In addition, information about your payments will be reflected on your periodic statements.
  7. Terms and Conditions
    1. Payments and Payees
      You are responsible for all bill payments authorized through use of your Login Credentials. If you do permit other persons to use the Bill Payment Service by providing your Login Credentials in violation of this Agreement, you are responsible for any/all transactions they authorize.

      All payments you make through the Bill Payment Service will be deducted from your designated Payment Account. Any payment you wish to make must be payable in U.S. Dollars. Each Payee must appear on the Payee list you create with us and the account you are paying must be in your name.

      You authorize us to choose the most effective method to process your payments. You will receive a transaction confirmation number for each properly instructed payment.

      You must allow sufficient time for the Payee to receive and process the payment before the payment due date (the due date shown on your invoice or provided in your agreement with Payee, not taking into account any grace period provided by the Payee). You will assume full responsibility for all late fees, finance charges, or other actions taken or imposed by Payee.

      IMPORTANT: Payments may take up to ten (10) Business Days to reach the Payee, as they could be sent either electronically or by paper check. We are not liable for any service or late charges levied against you for late payments.

      Either a written or email notice (if contracted for e-statements) will be sent to you if a Bill Payment that was processed had insufficient or unavailable funds. In all cases, you are responsible for settlement of the Bill Payment made and will cause the Service to be blocked and prevent you from making additional Bill Payments until resolved. Generally, the Bill Payment Service is reinstated three (3) Business Days after the payment settlement is received from you.
    2. Returned Service Transactions and/or Overdrafts of Your Payment Account
      By using the Bill Payment Service, you are requesting payments to be made for you from your Payment Account. In some instances you will receive a notice from us if making the payment results in a negative account balance in your Payment Account.  In these cases, you agree that normal account fees will be charged to your account in accordance with our established and published fee schedule. By enrolling for and using the Bill Payment Service you agree that we have the right to collect funds from all of your accounts, the available balance on your line-of-credit accounts or any of the overdraft services associated with your account, to recover funds for all payments that have been requested to be paid by you. This includes accounts on which you are the primary owner, as well as accounts on which you are the joint owner.
  8. Service Limitations
    We reserve the right to refuse to pay any Payee to which you may direct a payment. We will notify you promptly if we decide to refuse to pay a person or entity designated by you. This notification is not required if you attempt to pay tax or court-related payments or payments outside the United States and its possessions/territories, or any other payments which are prohibited under this Agreement.

    The following payment types are prohibited through the Bill Payment Service:
    1. Court ordered payments;
    2. Federal or State tax payments;
    3. Payments to Payees outside the United States or its possessions/territories;
    4. Other categories of prohibited Payees that we may establish from time to time;
    5. Payments to Payees in excess of $9,999.99.
  9. Termination of Service
    Discontinue:  In the event you wish to discontinue usage of the Bill Payment Service; you must contact us at (800) 786-0945 option 2 or via Secured Message within the Service.

    Suspension:  We reserve the right to temporarily suspend the Bill Payment Service in the event that there are insufficient funds in your Draw Account to pay your scheduled bill payments.

    Termination:  If your online banking access does not remain active, your Bill Payment Service will be terminated at our discretion.
  10. Expedited Payments and Fees
    Within the Bill Payment Service you can request Expedited Payments via mail or electronic delivery. Fees apply and are disclosed at the time of the request and must be accepted for the Bill Payment to complete.

H.      Online Credit Card Services

  1. Service Description
    Members with a valid Sun Federal Visa Credit Card can view and manage the credit card(s) associated with their account through Online Banking.  Upon completion of the Online Banking enrollment process, including acceptance of this Agreement, you will have access to all available Credit Card options within Online Banking and limited capabilities through Mobile access.  
  2. Credit Card Statement
    Communication regarding your credit card account with us is provided through traditional paper mailing methods. 
  3. Credit Card eStatement
    We offer you the option to receive monthly credit card billing statements electronically when accessing the Visa site in online banking.

    If you enroll, you agree to provide and maintain a valid and functional email account which we will use to contact you regarding your billing statement.

    Once you sign up to receive your credit card statement online, paper statements will no longer be sent. It may take up to two additional billing cycles for paper statements to be fully discontinued. You may choose to discontinue electronic statements and return to paper statements at any time.

    If a statement is needed, it may be downloaded anytime from the Service or you may contact us. A fee may be assessed for a statement copy. Refer to the Credit Union Fee Schedule for a list of fees.

I.       Error Resolution

In the event of a dispute regarding the Service, you and Sun Federal agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and Sun Federal which supersedes any proposal or prior agreement, oral or written, and any other communications between you and Sun Federal relating to the subject matter of this Agreement. In the event of a conflict between the terms of this Agreement and any verbal representation or interpretation by one of our employees, the terms of this written Agreement shall control.

In case of errors or questions about any of your electronic transactions, or if you think your statement or receipt is wrong or if you need more information about a transaction listed on the statement or receipt, contact us no later than 60 days after we sent the FIRST statement on which the problem or error.

  1. Tell us your name and account number (if any).
  2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days 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 10 business days, we may not credit your account.

    For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

J.       LIMITATION OF LIABILITY.

This Agreement sets forth our entire liability and your exclusive remedy. YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES INCURRED BY YOU OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF ANY ONLINE AND MOBILE BANKING SERVICE, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF WE HAVE BEEN INFORMED OF THE POSSIBILITY THEREOF, EXCEPT AS OTHERWISE REQUIRED BY LAW.

We shall not be responsible for any loss or damage caused by our Online and Mobile Banking Service. Nor shall we be responsible for any late fees, direct, indirect or consequential damages arising from the use or maintenance of these Services. Services are provided “as is” without any warranty of any kind, either expressed or implied, including but not limited to the implied warranties of fitness for a particular purpose or warranties of merchantability

  1. Payments/Transfers
    We will use commercially reasonable efforts to make all your payments and transfers properly. However, we shall incur no liability if unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:
    1. If, through no fault of ours, your Payment Account does not contain sufficient funds to complete the payment or transfer, or the transfer would exceed the credit limit of your overdraft account or any other overdraft service(s) associated with your account;
    2. The Payment Service is not working properly and you know or have been advised about the malfunction before you execute the transaction;
    3. The Payee recipient mishandles or delays a payment sent through the Payment Service;
    4. You have not provided the Payment Service with the correct names, phone numbers, or account information for those payees recipient to whom you wish to direct payment or transfer funds;
    5. If the transaction is prevented by the policies, rules or limitations imposed by us, from time to time, such as minimum deposit requirements or verification and collection of deposits; Circumstances beyond our control such as, but not limited to, fire, flood, or interference from an outside force prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances;
    6. Other exceptions set forth in this Agreement or as deemed applicable by us.
  2. Deposits
    We will use commercially reasonable efforts to post your deposits properly to the account indicated when you use the Service properly and comply with these terms and conditions. However, we shall incur no liability if we are unable to complete a deposit instruction initiated by you through the service because of any one or more of the following circumstances:
    1. Member error.
    2. Member failure to comply with these terms and conditions.
    3. Late arrival of a deposit.
    4. If your equipment or software was not working properly and you knew about the malfunction when you started the transaction.
    5. The Service has been suspended or terminated for cause.
    6. You have not provided complete or correct information.
    7. Circumstances beyond our control (e.g. fire, flood or interference from outside sources) prevent processing of the deposit despite reasonable precautions on our part.

K.     Financial Information
ou must inform us immediately of any material change in your financial circumstances or in any of the information provided in your Account Application or within Online and Mobile Banking Service Agreements. You agree to provide us any financial information we reasonably request and authorize us to review your credit history from time to time during the term of this Agreement.