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IMPORTANT:

In order to apply for e*branch access, you must agree to the terms and conditions in this disclosure. Click "agree" to continue to the e*branch application. If you disagree with these terms and conditions, simply close this window.

AGREE

1. Introduction. This agreement and Disclosure specifically governs the e*branch Service (University Credit Union’s online bankers website), and informs you of your rights and responsibilities and the terms and conditions associated with the service you have requested. Please read this Agreement and Disclosure carefully. In this Agreement and Disclosure, the words "you", "your", and "yours" mean each and every one who utilizes e*branch. The words "we", "us", "our", " University Credit Union", and "Credit Union" mean University Credit Union. The words "the Service" refers to e*branch Service. 
   
   By accessing your account online, or permitting another to access your account online, you acknowledge receipt of the Agreement and Disclosure and agree to be bound by all terms and conditions contained herein. You further agree to follow all instructions provided by the Service and reflected on your computer screen. The terms and conditions of this Agreement and Disclosure are in addition to the terms and conditions of any and all other deposit account and credit agreements you have with the Credit Union, including all such disclosures made pursuant to such agreements.  University Credit Union reserves the right to terminate, alter or change this service at any time.  You further agree to abide by any additional terms or conditions, which may be added because of future enhancements to e*branch.  For additional security reasons, members must access e*branch at least once every 90 days or your account online will be deemed inactive and disabled.  Electronic statements will not be accessible and a paper statement may be mailed until the service is reactivated. 
2. Services. Using your personal computer (PC) and your designated User ID and password, you can access your University Credit Union account  24 hours a day, seven days a week (as long as the service is available).
3. Business Days. e*branch will be available 24 hours a day, seven days a week, except when down for maintenance, as indicated in the paragraph titled "System Availability."
4. Agreement for receiving electronic disclosures: Under regulations set by the Federal Reserve Board, you are entitled to receive certain disclosures. Regulations provide that if you agree, the required disclosures may be delivered to you electronically. These disclosures may be delivered via e-mail. You should print a copy of each disclosure delivered, read it carefully, and retain it for your reference. Under the terms of the agreement you are not committed to any disclosure unless you use the service which it covers. By signing this agreement, you agree to receive any University Credit Union disclosures and your periodic account statement electronically.
5. E-Statement Access: You agree to receive your periodic account statement electronically in place of a paper statement sent via US mail to your address of record. You further agree to provide an accurate e-mail address to University Credit Union for notification of  electronic statements. If the e-mail address provided is not accurate due to negligence on your part, you agree not to hold University Credit Union liable for sending your notification to such e-mail address. If the e-mail address provided is not deliverable, University Credit Union will provide your periodic statement via US mail to your address of record. 
   
   You may also request a printed copy of your statement at any time. Applicable fees, as outlined in the Fee Schedule, may apply.
   
   
   The Credit Union must receive notification of any change in physical or e-mail address three business days prior to the 28th day of the month to give us time to affect the change. Failure to do so may result in a delay or lack of delivery of your statement for the given period. Contact University Credit Union in writing or visit one of our branches to change your physical address. You can also change your e-mail address by updating the information on e*branch. Your statements will be available from the e*branch  for 12 months from the date of the statement. At any time you can log into e*branch and navigate to the “Your Preferences” and choose “eStatement Selection” to select to continue to receive e-statements. You also have the choice to “opt-out” of electronic statement delivery back to paper at any time following these same steps. Applicable fees, as outlined in the fee schedule, may apply.

6. Applicability, effective date: this Agreement governs your use of the Service and becomes effective upon your first use of the Service.
7. In case of errors or questions about your electronic statement: Contact us IMMEDIATELY if you think your statement is wrong, or if you need more information. You may notify us at 786.425.5000 or send an e-mail through secure messaging in e*branch or visit your closest branch or write a letter. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number, the dollar amount of the suspected error, and the date it occurred. 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. 
   
   If you notify us verbally, we will require you to send us your complaint or questions in writing within ten (10) business days. We will tell you, in writing, the results of our investigation within ten (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 forty-five (45) calendar days to investigate your complaint or question. If we need to use the forty-five (45) days to investigate, we will provisionally credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or request in writing and we do not receive it within ten (10) business days, the credit union is not required to credit your account. If we determine there was no error, we will send you written explanation within three (3) business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation and upon which we relied to conclude that the error did not occur. (We will make these available to you to the extent possible without violating any other member's right to privacy.)
8. Fees and Charges. There is currently no fee for the Service or termination thereof. However, University Credit Union reserves the right to impose fees or to subsequently change any fee structure. Please refer to the most recent fee schedule.
9. System Availability. Access to the Service may be unavailable at certain times for the following reasons: (1) Scheduled maintenance. There will be periods when systems require maintenance or upgrades; (2) Unscheduled maintenance. Service may be unavailable when unforeseen maintenance is necessary; or, (3) System Outages. Major unforeseen events, including, but not limited to: earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages that may cause system unavailability. University Credit Union will make all reasonable efforts to ensure the availability of the Service. However, University Credit Union is in no way liable for the unavailability of the e*branch or any consequential damages that may result.
10. Test your ability to retrieve and read a PDF or Text image file. By accepting this disclosure you are acknowledging that you are able to successfully retrieve and read this test statement and confirm there are no issues viewing this sample statement. Click here to verify you can view this test statement at Sample Statement.
11. Minimum Requirements: 
    The minimum and recommended hardware requirements to run e*branch are listed below.

Minimum: Requirements listed will enable e*branch to run on your Personal Computer (PC) or Apple Mac computer. 
Recommended: Requirements listed will deliver enhanced system performance for Virtuoso Home Banking.

Hardware and Software Requirements 

You are responsible for the installation, maintenance, and operation of your Computer (in this Agreement, your computer and the related equipment are referred to together as your "Computer") and all software. Please refer to our “Browser and Operating System Requirements” for specific system requirements.  We will inform you of any change in hardware or software requirements that may affect your access to or use of Online Banking. The Credit Union is not responsible for any errors or failures from any malfunction of your Computer or any software, and the Credit Union is not responsible for any computer viruses (including, without limitation, programs commonly referred to as "malware", "keystroke loggers", and/or "spyware"), problems or malfunctions resulting from any computer viruses, or any related problems that may be associated with the use of an online system.  Any material downloaded or otherwise obtained is obtained at your own discretion and risk, and Credit Union is not responsible for any damage to your computer or operating systems or for loss of data that results from the download of any such material, whether due to any computer virus or otherwise.  You are solely responsible for maintaining and applying anti-virus software, security patches, firewalls, and other security measures with respect to your operating systems, and for protecting, securing, and backing up any data and information stored in or on your operating systems.  The Credit Union is not responsible for any errors or failures resulting from defects in or malfunctions of any software installed on your operating systems.

12. Termination of agreement and service. Your Password should be kept strictly confidential. You will be required to change the password you are assigned upon first access to e*branch.  You may cancel this Agreement and terminate your Service with University Credit Union at any time by notifying University Credit Union in writing via email,or sending a secure message, or visit your closest branch or write a letter, and discontinue use of the service. The credit union may terminate its Service and this agreement and Disclosure at any time by giving you advance notification, in writing. Whether you or the Credit Union terminates this Agreement and Disclosure, the termination shall not affect your obligations under this agreement and Disclosure.
13. Amendments: This Agreement may be amended by the Credit Union at any time at its discretion. You will receive notice of amendments as required by applicable law without restatement of terms herein.

UNIVERSITY CREDIT UNION
13241 SW 136th Street, Miami, FL 33186
Business Days: Monday through Friday Excluding Holidays 8am-5pm
Phone: (786) 425-5000

Every calendar day is a processing day, except Saturday, Sunday, and Monday which are treated as a single processing day.  

TERMS AND CONDITIONS OF REMOTE DEPOSIT CAPTURE DISCLOSURE AND AGREEMENT

The Remote Deposit Capture Disclosure and Agreement (this “Agreement”) is incorporated by this reference and becomes a part of University Credit Union's (the “Credit Union,” “we,” “us,” or “our”) Remote Deposit Capture Disclosure and Agreement effective April 30, 2015. All other terms and conditions of your Remote Deposit Capture Disclosure and Agreement, as amended, remain in force.  

REMOTE DEPOSIT CAPTURE SERVICES 

The Remote Deposit Capture Service (this “Service”) allows you to remotely deposit paper checks from your mobile device to your Credit Union account by electronically transmitting a digital image of the paper check to the Credit Union.  

ACCOUNT ACCEPTANCE 

The following are requirements that must be met for initial approval to use this Service. 

• Membership account must be open for a minimum of 90 days. 
• At least 18 years old. 
• Account must be positive. 
• No delinquent loans. 
• No history of excessive or repeated returned items. 
• Other factors may also be considered.  

This Agreement contains the terms and conditions for the use of this Service that the Credit Union provides to consumer accounts for personal, family, and household purposes. In this Agreement, the plural form of a word also means the singular, and vice versa. “You,” “your,” or “yours” means everyone who signs any application or agreement for an account or an account service with us, or who is authorized to make transactions regarding your Account as provided in other agreements and disclosure governing your Account or by applicable. “Account” means any one or more checking accounts you have with the Credit Union. 

Your acceptance of this Agreement and your use of this Service means that you agree to all terms and conditions in this Agreement in addition to the [Account Agreement and Disclosures] provided to you at account opening. Please read this Agreement carefully and keep a copy for your records. You may use this Service for personal, family, and household purposes only. 

SYSTEM REQUIREMENTS 

To use this Service, you must meet the following criteria: 

• You must have a smart phone with an enabled camera and service plan that includes data and Internet access. Third party fees may apply for data and Internet access and are your responsibility. Contact your smart phone device carrier for additional information. 
• You must have the TouchBanking Mobile Application installed on your smart phone device. The TouchBanking Mobile Application can be downloaded from your device's application store. The Operating System version must be compatible with the latest version of the application as determined by your device's application store. 
• You must be enrolled in the E*branch Internet Account Access Service.  

SERVICE CONDITIONS 

Neither we nor our service providers can always foresee or anticipate technical difficulties related to this Service. These difficulties may result in loss of data, personalized settings, or other Remote Deposit Capture Service interruptions. Neither we nor any of our service providers assume responsibility for the timeliness, deletion, misdelivery, or failure to store any user data, communications, or personalized setting in connection with your use of Remote Deposit Capture Service. You understand and agree that the Remote Deposit Capture Service may at times be temporarily unavailable due to system maintenance or technical difficulties including those of the Internet service provider, cellular service provider, and Internet software. Neither we nor any our service providers assume responsibility for the operation, security, functionality or availability of any Mobile Device, or network which you utilize to access this Service. 

CHARGES 

Please refer to the Credit Union’s current fee schedule for any fees related to this Service.  

HOW TO NOTIFY US IN CASE OF ERRORS 

If you believe there has been an error with respect to any original check or image transmitted to the Credit Union for deposit, call us at (786) 425-5050 or (800) 919-5582 or write us at 13241 SW 136^th Street, Miami, FL 33186.                                                                               

CUT-OFF TIME AND CREDIT TO YOUR ACCOUNT 

Deposits received prior to 2:00 p.m., Eastern Time, on a business day the Credit Union is open will be credited to your account on the same business day. Deposits received after 2:00 p.m., Eastern Time, or on any day the Credit Union is not open, including holidays, will be credited on the next business day. Business days are defined as Mondays through Fridays with the exception of federal holidays.  

FUNDS AVAILABILITY 

Any credit to your account for checks deposited through this Service is provisional. If a check deposited through this Service is dishonored, rejected, or otherwise returned unpaid by the drawee 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 the Credit Union 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 the Credit Union for all loss, cost, damage or expense caused by or relating to the processing of the returned check. Without the Credit Union’s approval, you will not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. 

The Credit Union 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. 

The Credit Union’s policy is to make the first $200 in funds from an image of an item you submit through this Service available to you on the first (1st) business day after the day we receive your deposit. The remainder of your funds will be available on the second (2nd) business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the second (2nd) business day, we will notify you after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. 

ELIGIBLE ITEMS 

You agree to image and deposit only “checks” as that term is defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks (“Regulation CC”) (i.e. drafts drawn on a credit union, savings and loan or bank and payable on demand). When the image of the check transmitted to the Credit Union is converted to an “image replacement document” for subsequent presentment and collection, it will thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code. 

REQUIREMENTS OF CHECKS TRANSMITTED

Prior to scanning the check, you must add our required endorsement of “For Mobile Deposit Only”, your signature endorsement, deposit date, and your Credit Union account number to the back of the check. You agree to follow any and all other procedures and instructions for use of this Service as the Credit Union may establish from time to time. 

• You must provide the Credit Union a complete, legible and accurate image of the front of the check showing the name of the drawer/payor and signature(s), the paying bank's pre-printed information, MICR encoded information, the name of the payee and the payment amount information. 
• You must also provide the Credit Union a complete, legible and accurate image of the back of the check showing your signature endorsement. 

DEPOSIT LIMITATIONS

All deposits are subject to later verification by us. We may return or refuse to accept all or any part of a deposit to your Account using this Service at any time and will not be liable for doing so even if such action causes checks or other debits to your Account to be dishonored and returned. The current individual item dollar limit is $1,500.00 and the current daily dollar aggregate item limit is $1,500.00. There is no daily or monthly statement cycle limit on the number of items, as long as the respective dollar limits are not exceeded. The following are examples of items not accepted for deposit through this Service (this list is not exhaustive):

• Items made payable to a third party (i.e., any person or entity not a party to the account).
• Items drawn on your account or your affiliate’s account.
• Items displaying a "non-negotiable," "void" or similar notation or watermark.
• Items containing evidence of alteration or other indicators that call into question either the authenticity of the item or your authority to negotiate it. 
• Items dated more than six (6) months prior to the date of deposit. 
• Items previously converted to a substitute check or items that are remotely created checks as defined by Regulation CC. 
• Items issued by or through a financial institution in a foreign country. 
• Items not payable in United States currency.
• Items with incomplete or illegible information.
• Items that are savings bonds. 

IMAGE QUALITY 

Based on the Check 21 standards, check image quality is required to meet certain specifications. As a member using Remote Deposit Service, there are certain quality controls that need to be in place, including: 

• Checks should be written in blue or black ink. 
• Handwriting must be legible. 
• Checks should be uniform in shape. 
• The MICR line must appear to be fully intact. 
• Checks should be signed and endorsed as requested by the Credit Union. 
• Image must be taken under sufficient lighting. 

MEMBER RESPONSIBILITIES 

You are solely responsible for: 

1. Transmitting to the Credit Union a complete, accurate and legible image of the front and back of the original check without any alteration. 
2. Paying any overdraft or NSF fee charged by the Credit Union or any third party as a result of the Credit Union's rejection of any item(s), or for any item(s) returned unpaid. 
3. Ensuring the safekeeping or destruction of the original item after the item has been scanned, transmitted and deposited electronically. 

RETENTION AND DISPOSAL OF ITEMS  

Upon your receipt of confirmation that the Credit Union has received the image of an item, you agree to mark the item prominently as “Void” and to dispose of the item in a way that prevents it from being presenting again for payment. You agree to retain each item for a period of 60 days and agree to secure each item until such proper disposal is performed. You agree to promptly provide any retained item to us as requested to aid in the clearing and collection process or to resolve claims with respect to any item. 

COOPERATION WITH INVESTIGATIONS  

You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through this Service in your possession and your records relating to such items and transmissions. 

MEMBER WARRANTIES

By using this Service, you represent and warrant that: 

• The item transmitted is a complete, accurate and unaltered item payable to you, that it originated as a paper item, and that you are legally entitled to negotiate it. 
• The original check has not and will not be: (i) deposited; (ii) endorsed to a third party; or (iii) otherwise negotiated or submitted for payment, either before or after transmitting the digital image through this Service. 
• No other duplicate images of the original check have been made. 
• The electronic image of the check, or any substitute check as defined by federal law, will become the representation of the check for all purposes (except funds availability) including return item processing. 
• Any files and images transmitted to the Credit Union will not contain any viruses or any other disabling features that may have an adverse impact on the Credit Union's network, data, or related system. 
• You will comply with this Disclosure and Agreement and all applicable rules, laws and regulations. 
• You are not aware of any factor which may impair the collectability of the item.
• You agree to indemnify and hold harmless the Credit Union from any loss, due in whole or in part, to the breach of this warranty provision. 

BY ENROLLING IN THE REMOTE DEPOSIT CAPTURE SERVICE YOU ARE AGREEING TO THE TERMS AND CONDITIONS IN THE REMOTE DEPOSIT CAPTURE DISCLOSURE AND AGREEMENT. THESE TERMS AND CONDITIONS ARE SUBJECT TO CHANGE WITHOUT NOTICE, FROM TIME TO TIME IN OUR SOLE DISCRETION. WE WILL NOTIFY YOU OF AMENDMENTS TO THESE TERMS AND CONDITIONS BY POSTING THEM TO THIS WEBSITE. PLEASE READ THE DISCLOSURE CAREFULLY AND PRINT IT FOR YOUR RECORD. A COPY OF THIS AGREEMENT CAN BE PRINTED BY USING YOUR BROWSER’S PRINT COMMAND AND A PRINTER. 

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AGREE