Business C1st@HOME Access Agreem
Business C1st@HOME Access Agreement
II. Accessing Your Accounts through C1st@HOME
B. Electronic Mail (E-mail)
D. New Services
E. Benefits of Using
III. Terms and Conditions
A. Your Online Password
B. Payment Account
C. Our Liability
D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
E. Hours of Accessibility
F. Additional Terms and Conditions
A. How To Set Up
B. The Bill Paying Process
D. Amendment & Termination
V. General Terms
A. Changes to Charges, Fees or Other Terms
B. Disclosure of Account Information
C. Questions or Error Correction on Transactions
D. Other General Terms
VI. Protecting Your Account
A. Preventing Misuse of Your Account
B. Unauthorized Transactions in Your Accounts
This Online Access
Agreement ("Access Agreement") for accessing your accounts through C1st@HOME
explains the terms and conditions governing the Online banking services and
BillPayer offered through Community 1st Credit Union. By using the
Services, you agree to the terms and conditions of this Access Agreement. 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 Iowa. The terms "we," "us," "our,"
and "credit union" refer to Community 1st Credit Union. "You" refers
to each signer on an account. The term "business days" means Monday through
Friday, excluding Saturday, Sunday and Federal holidays.
C1st@HOME can be
used to access accounts. Each of your accounts at Community 1st
Credit Union is also governed by the applicable account disclosure statement
("Deposit Agreement and Disclosure").
II. Accessing Your
Accounts through C1st@HOME
To access your
accounts through C1st@HOME, you must have an account and an Online password.
A business must be
operating under a tax payer identification number which must be the owner's
Social Security Number to have access to these accounts.
B. Electronic Mail
mail (E-mail) through 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 C1st@HOME. 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 or call us toll-free at
There are no
monthly or transaction fees for accessing your account(s) through C1st@HOME. See
Section IV for a description of BillPayer fees.
Please note that
fees may be assessed by your Online service provider.
D. New Services
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
E. Benefits of
you can manage your personal or small business accounts from your home or office
on your personal computer. You can use C1st@HOME to:
account balances and review transaction history.
Transfer money between accounts. (As noted in the applicable account Deposit
Agreement and Disclosure Statement).
bills to any merchant, institution or individual.
Communicate directly with through E-mail.
III. Terms and
The first time you
access your accounts through C1st@HOME 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
You will be given
an Online Password that will give you access to your accounts for access. This
password can be changed within C1st@HOME using the options button. We recommend
that you change your password regularly. Community 1st 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
B. Payment Account
Although there are
no fees for accessing your accounts through C1st@HOME, you may be asked to
designate a payment account for selected services such as BillPayer. You agree
to pay promptly all fees and charges for services provided under this Agreement,
and authorize us to charge the account that you have designated as the payment
account or any other account for the fees.
If you close the
payment account, you must notify and identify a new payment account for the
selected services. Additionally, if you close all accounts, you must notify
Community 1st Credit Union to cancel the services.
Your Online access
may be canceled at any time without prior notice due to insufficient funds in
one of your accounts. After cancellation, services may be reinstated, once
sufficient funds are available in your accounts to cover any fees and other
pending transfers or debits. In order to reinstate your services, you must call
Community 1st Credit Union at (866)360-5370.
If you do not
access your accounts through C1st@HOME for any (1) one year period, Community
1st Credit Union reserves the right to disconnect your service without notice.
Please note that your BillPayer information will be lost if you are
You agree to be
responsible for any telephone charges incurred by accessing your accounts
If you wish to
cancel any of the services offered through Community 1st Credit
Union, please contact Member Service at (866)360-5370 or send us cancellation
instructions in writing to Community 1st Credit Union 235 Richmond
Ave. Ottumwa, IA 52501.
C. Our Liability
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, 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
Order of Payments, Transfers, Other Withdrawals
If your account
has insufficient funds to perform all electronic funds transfers (ATM
withdrawals, pre-authorized transactions, transfers and bill payments, etc.)
that you have requested for a given business day, then:
funds transfers involving currency disbursement, like ATM withdrawals, will have
funds transfers initiated through may result in an overdraft of your account and
may, at Community 1st Credit Union's discretion, be canceled.
In addition, you
will be charged the same overdraft charges that apply to your account.
E. Hours of
You can access
your accounts through seven days a week, 24 hours a day. However, at certain
times, some or all of C1st@HOME may not be available due to system maintenance.
You will be notified Online when this occurs.
Our business days
are Monday through Friday. Saturday, Sunday and Federal holidays are not
included as a business day.
Terms and Conditions
Balance and Transaction History - You can obtain balance and transaction history
on all eligible accounts. Current balance and activity information is available
as of the close of the previous business day.
- The number of transfers from a savings account is limited as described in the
applicable Deposit Agreement and 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.
There is not a monthly charge for Community 1st Credit Union's Business Bill Pay service.
This is your bill paying agreement with Community 1st Credit Union. You may use Community 1st Credit Union bill paying service, Bill Pay, to direct Community 1st Credit Union to make payments from your designated checking account to the Payees you choose in accordance with this agreement. The terms and conditions of this Agreement are in addition to the Account agreements, disclosures and other documents in effect from time to time governing your Account (the Account Rules).
"You" or "your"
means each person who is authorized to use the service. "Payee" means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a payee.
A. How to Set Up
Complete a bill
paying enrollment form. IF YOU WANT TO ADD A NEW PAYEE, USE "SET UP
ACCOUNTS/PAYEE" ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE. You may
add a new fixed payment to a Payee, only if the Payee is on your authorized list
of payees, and by accessing the Service and entering the appropriate
information. Most other additions, deletions, or changes can be made in writing
or by using the Service. The Financial Institution reserves the right to refuse
the designation of a Payee for any reason. Each Payee accepted by the Financial
Institution will be assigned a payee code. You may pay almost any payee you
wish. There are several restrictions: 1) The merchant must be located in the
United States; 2) Payments may not be remitted to tax authorities or government
and collection agencies; 3) Payments may not be remitted to security companies
such as Ameritrade for stock purchases or trade taxing authorities and 4) Court
directed payments are unauthorized (Alimony, child support, or other legal
debts). Don't forget you can use this system to send payments to your
son/daughter in college, pay your local orthodontist, credit cards, charitable
donations, etc. A merchant is defined as anybody (company or individual) to whom
you want to send money.
Institution is not responsible if a Bill Payment can not be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee
or if you attempt to pay a Payee that is not on your Authorized Payee list.
B. The Bill
A single payment
will be processed on the business day (generally Monday through Friday, except
certain holidays) that you designate as the paymentís process date, provided the
payment is submitted prior to the daily cut-off time on that date. The daily
cut-off time, which is controlled by the financial institution, is currently
3:00PM. A single payment submitted after the cut-off time on the designated
process date will be processed on the following business day. If you designate
a non-business date (generally weekends and certain holidays) as the paymentís
process date, the payment will be processed on the first business day following
the designated process date.
When a recurring
payment is processed, it is automatically rescheduled by the system. Based upon
your selected frequency settings for the payment, a process date is calculated
for the next occurrence of the payment. If the calculated process date is a
non-business date (generally weekends and certain holidays), it is adjusted
based upon the following
* If the recurring
paymentís "Pay Backward" option is selected, the process date for the new
occurrence of the payment is adjusted to the first business date prior to the
calculated process date.
* If the recurring
paymentís "Pay Backward" option is not selected (or if the "Pay Backward" option
is not available), the process date for the new occurrence of the payment is
adjusted to the first business date after the calculated process date.
Note: If your
frequency settings for the recurring payment specify the 29th, 30th, or 31st as
a particular day of the month for processing and that day does not exist in the
month of the calculated process date, then the last calendar day of that month
is used as the calculated process date.
For Single and
Recurring Payments, YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS, PRIOR TO THE
DUE DATE, for each bill payment to reach the Payee. (For mid west subscribers,
allow 7 days and for west coast subscribers, allow 8 days.) Any bill payment can
be changed or canceled, provided you access the Bill Pay Service prior to the
cut-off time on the business day prior to the business day the bill payment is
going to be initiated. You agree to have available and collected funds on
deposit in the account you designate in amounts sufficient to pay for all bill
payments requested, as well as, any other payment obligations you have to the
Financial Institution. The Financial Institution reserves the right, without
liability, to reject or reverse a bill payment if you fail to comply with this
requirement or any other terms of this agreement. If you do not have sufficient
funds in the Account and the Financial Institution has not exercised its right
to reverse or reject a bill payment, you agree to pay for such payment
obligations on demand. You further agree the
Institution, at its option, may charge any of your accounts with the Financial
Institution to cover such payment obligations. The financial institution
reserves the right to change the cut-off time. You will receive notice if it
You are solely
responsible for controlling the safekeeping of, and access to, your Personal
Identification Number (PIN). You are liable for all transactions you make or
that you authorize another person to make even if that person exceeds his or her
authority. If you want to terminate another person's authority, you must notify
the Financial Institution and arrange to change your PIN. You will be
responsible for any Bill Payment request you make that contains an error or is a
duplicate of another Bill Payment. The Financial Institution is not responsible
for a Bill Payment that is not made if you did not properly follow the
instructions for making a Bill Payment. The Financial Institution is not liable
for any failure to make a Bill Payment if you fail to promptly notify the
Financial Institution after you learn that you have not received credit from a
Payee for a Bill Payment. The Financial Institution is not responsible for your
acts or omissions or those of any other person, including, without limitation,
any transmission or communications facility, and no such party shall be deemed
to be the Financial Institution's agent. In any event, the Financial
Institution will not be liable for any special, consequential, incidental, or
punitive losses, damages, or expenses in connection with this Agreement or the
Service, even if the Financial Institution has knowledge of the possibility of
them. The Financial Institution is not liable for any act, failure to act or
delay in acting if it is caused, in whole or in part, by any cause beyond the
Financial Institution's reasonable control.
D. Amendment and
Institution has the right to change this Agreement at any time by notice mailed
to you at the last address shown for the Account on the Financial Institution's
records, by posting notice in branches of the Financial Institution, or as
otherwise permitted by law.
Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The
Financial Institution is not responsible for any fixed payment made before the
Financial Institution has a reasonable opportunity to act on your termination
notice. You remain obligated for any payments made by the Financial Institution
on your behalf.
The fee for the
Bill Paying Service is $5.00 per month, for an unlimited number of monthly
Per proof of
Payment not necessitated by a
due to customer
Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of
any such charges before they are incurred. Bill payments are processed by
Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers
Disclosure Statement included, or, received when you opened your account, which
discloses important information concerning your rights and obligations.
V. 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
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 Transactions
In case of
questions or errors about funds transfers through C1st@HOME involving your
account, here is what you should do. Contact us by:
Email at firstname.lastname@example.org
C1st at (641)683-6301
Telephone C1st toll-free at (866)360-5370
Write C1st at 235 Richmond Ave. Ottumwa, IA 52501
Contact us 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 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 (IO) business days.
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.
us the dollar amount of the suspected error.
a bill payment, tell us the checking account number used to pay the bill, payee
name, date the payment was sent, payment amount, reference number, and payee
account number for the payment in question.
Here's what we
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 request copies of the documents that
we used in our investigation.
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
through no fault of ours, you do not have enough money in your account to make a
legal order directs us to prohibit withdrawals from the account.
your account is closed or if it has been frozen.
the transfer would cause your balance to go over the credit limit for any credit
arrangement set up to cover overdrafts.
you, or anyone you allow, commits any fraud or violates any law or regulation.
any electronic terminal, telecommunication device or any part of the electronic
fund transfer system is not working properly.
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.
you have not properly followed the instructions for using C1st@HOME.
circumstances beyond our control (such as fire, flood or improper transmission
or handling of payments by a third party) prevent the transfer, despite
reasonable precautions taken by us.
D. Other General
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.
Reserves the Right
to terminate this Agreement - The Credit Union reserves the right to terminate
this Agreement and your access to C1st@HOME, in whole or in part, at any time
without prior notice.
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 Member Service at (866)360-5370.
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
Taking Care of
Your Online Password - The password that is used to gain access to C1st@HOME
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.
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, notify Member Service at once at (866)360-5370.
Transactions in Your Accounts
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 Member Service at (866)360-5370 or write us at 235 Richmond
Ave. Ottumwa, IA 52501.
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 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 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 will be extended.
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