TruBank - Online Banking Disclosure and Agreement
This Disclosure and Agreement for accessing your TruStar Federal Credit Union accounts via TruBank is provided for your information. Please read it carefully as it pertains to your accounts and electronic services. For the purpose of this Agreement, the terms "we," "us," "TFCU," and "credit union" refer to TruStar Federal Credit Union. "You" refers to members and account owners.
The first time you access your TruStar FCU account(s) through TruBank confirms your agreement to abide by the terms and conditions of this Agreement and acknowledges your receipt and understanding of this disclosure. We may change terms or amend this Agreement from time to time without notice or as otherwise provided by law. TruBank services can be used to access certain TruStar FCU accounts. Each of your accounts at TruStar FCU is also governed by the applicable account disclosure statement (your Membership Account Agreement, prior receipt of which you acknowledge).
This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent that there is no applicable federal law or regulation, by the laws of the State of Minnesota. To the extent, permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the credit union is located.
2. Required Equipment
TruBank is designed to work with most commonly used Internet browsers such as Internet Explorer (Microsoft Internet Explorer 4.0 or higher) or Netscape (Netscape Navigator 4.0 or higher). You will need a member number and PIN. The PIN is the confidential personal identification number you use to access your account(s) through TruBank. You are responsible for the installation, maintenance, and operation of your computer, browser and the software. TFCU is not responsible for any errors or failures from an malfunction of your computer, the browser or the software. TFCU is also not responsible for any computer virus or related problems that may be associated with the use of an online system.
3. PIN and Security
PIN (Personal Identification Number) Access to a member account will be by means of a members PIN. You agree that use of TruBank by other persons will give them access to any of your share, IRA, share certificate and loan accounts. You agree not to make your PIN available to any other person. TruStar FCU does not maintain a record of your PIN. If you lose or forget your PIN, contact TruStar FCU immediately so that you may select a new confidential PIN. If you believe that your PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 218-283-2000 between 8 a.m. and 5 p.m., Monday through Friday; or write us at 601 4th Street, International Falls MN 56649.
4. Unauthorized Transfer and Your Liability
Tell us AT ONCE if you believe your account information and/or PIN have been lost or stolen and immediately change your PIN. Telephoning is the best way of limiting your potential losses. You could lose all the money in your account (plus your maximum overdraft line of credit and open-ended credit). If you tell us within two (2) business days after you learn of the loss or theft of your PIN, and we can prove we could have stopped someone from using them without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days of the statement date, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you hadtold us in time.
5. Errors and Questions
In case of errors or questions about your statement or receipt, or if you need more information about a transfer listed on the statement, telephone us at 218-283-2000 as soon as you can, or write us at 601 4th Street, International Falls MN 56649. We must hear from you no later than 60 days after we sent the first statement on which the problem or error appeared. Your inquiry must include:
a. Your name and account number
b. A description of the error or the transfer you are unsure about and an explanation of why you believe it is an error or why you need more information
c. The dollar amount of the suspected error
d. The date of the occurrence.
If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will generally tell you the results of our investigation within 10 business days of the receipt of your complaint or question (20 business days if the transaction involved an account opened within the past 30 days). If we need more time, however, we may take up to 45 days. If we decide there was no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
TruStar FCU does not charge a fee for TruBank. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users through the system. Your accounts and loan accounts are still subject to the fees, charges, balance requirements, etc. articulated in the Membership Account Agreement and Loan Agreement.
7. Secure Email
Sending an email through Secure Messaging within TruBank is one way to communicate with us. We will respond to your inquiries through Secure Messaging within 24 business hours. You cannot use Secure Messaging to initiate transactions on your account(s). In addition, we recommend that you contact us by telephone to report any problems or ask questions on your accounts that require immediate attention.