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Please Read the Access Agreement Below.
When finished, click on the "Agree" button at the bottom to sign up for C1ST@HOME.
Business C1st@HOME Access Agreem

Business C1st@HOME Access Agreement

 


I. Introduction

II. Accessing Your Accounts through C1st@HOME
 A. Requirements
 B. Electronic Mail (E-mail)
 C. Fees
 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

IV. BillPayer

 A. How To Set Up Payees/Payments
 B. The Bill Paying Process
 C. Liability
 D. Amendment & Termination
 E. Fees

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

 


 

I.  Introduction

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

 

A. Requirements

 

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 (E-mail)

 

Sending electronic 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 (866)360-5370.

 

C. Fees

 

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

 

Community 1st 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

 

With C1st@HOME, you can manage your personal or small business accounts from your home or office on your personal computer. You can use C1st@HOME to:

          View account balances and review transaction history.

          Transfer money between accounts. (As noted in the applicable account Deposit Agreement and Disclosure Statement).

          Pay bills to any merchant, institution or individual.

          Communicate directly with through E-mail.

           


 

III. Terms and Conditions

 

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 Password

 

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 data confidential.

 

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 disconnected.

You agree to be responsible for any telephone charges incurred by accessing your accounts through C1st@HOME.

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

 

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, 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.

 

D. Overdrafts: 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:

Certain electronic funds transfers involving currency disbursement, like ATM withdrawals, will have priority, and

The electronic 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 Accessibility

 

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.

 

F. Additional Terms and Conditions

 

Obtaining Account 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.

Transferring Funds - 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.

 


 

IV. BillPayer

 

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 Payees/Payments

 

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.

 

The Financial 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 Paying Process

 

Single Payments

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.

Recurring Payments

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

rules:

 

* 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

Financial 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 changes.

 

C.  Liability

 

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 Termination

 

The Financial 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.

 

The Financial 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.

 

F.  Fees

 

The fee for the Bill Paying Service is $5.00 per month, for an unlimited number of monthly payments. 

 

Written Correspondence to Payee:..........................................................................           $10.00

Per proof of Payment not necessitated by a dispute:..............................................          $10.00

Payments returned due to customer error:..............................................................           $5.00

OVERDRAFT FEE:.................................................................................................               $29.00

 

The Financial 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 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 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 memberservice@c1stcreditunion.com

          Fax 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.

          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.

          For 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 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 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 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 C1st@HOME.

          If 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 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.

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.

 


 

VI. 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 Member Service at (866)360-5370.

 

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 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.

 

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, notify Member Service at once at (866)360-5370.

 

B. Unauthorized Transactions in Your 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 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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