This page explains the terms and conditions for using our Member.net Internet Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at Oshkosh Community CU is also governed by the applicable account disclosure/agreement and Truth In Savings disclosure you received when you opened your account.
How To Access Your Accounts:
To access your accounts through our internet home banking service, you must have your account number and an internet home banking password. This information is requested when you enter our internet home banking pages.
The password that is used to gain access to your information should be kept confidential, just as you would keep other PIN numbers and security codes confidential. For your protection we recommend that you change your Member.net access password regularly. It is recommended that you memorize this 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 password may have been lost or stolen, or that someone has transferred or may transfer money between your accounts without your permission, notify Oshkosh Community CU at once at (920) 233-1952.
You cannot use e-mail to initiate transactions, change information or inquire on your account(s). We will not respond to these types of requests via E-mail since we cannot be certain we are corresponding with you. Please use the appropriate functions within our Member.net, call (920) 233-1952 or visit the credit union for these functions.
To get an initial password for Member.net service, visit the credit union office or call us at (920) 233-1952.
There is currently no fee for accessing your account(s) through our internet home banking service. We reserve the right impose / change the fee amount, if necessary, after providing 30 days notice to all users at the Member.net login page and/or e-mail address.
Your internet service provider (ISP) probably charges you a fee to access the internet via its server. We have no control over ISP related fees.
Available Services and Limitations: The following functions may be performed by members through the service:
- Transfers: You may transfer funds between your Share, Share Draft, or Loan Accounts as the account agreements may allow.
- Account Balances: You may view your share and loan account balances.
- Transaction history: You may view the transaction history for any loan or share account.
- Password Changes: If you are a Member.net user, you may change your password at any time from within internet home banking. For your protection we recommend that you change your Member.net password regularly.
- Check orders: You may reorder checks and/or view and order new check styles available through the credit union. We will not process check order requests if you do not have a checking account at the credit union.
- Check search: You may search for drafts that have cleared your account. You may also list clearings by date cleared or by check number. The oldest check available will vary but dates will go back, at a minimum, to your last regular statement date.
- Additional Services: From time to time, we will announce additional services which are available via Member.net. Your use of these services will constitute acceptance of the terms and conditions presented at the time they are announced.
We reserve the right to limit access or cancel on-line access at any time.
Our business days are Monday through Friday. Holidays are not included.
Operating Systems and Security:
Our internet home banking site is designed to operate using world wide web technologies and protocols which are adaptable to a wide range of systems. The internet home banking section uses SSL encryption and requires a browser with a current (unexpired) Thawte Root CA Security Certificate. Some older browsers may not be able to connect to the site without first updating the browser security certificate. Our server uses 40 to 128 bit encryption, depending on the users browser.
The cookie we set will ‘time out’ your access authority to our home banking section. Until it times out, you can come back to Member.net without logging in. After the time out period, you will need to log in again. Remember, most browsers will let you use a BACK button to view previously visited documents, even if your viewing authority has expired. For this reason, the only way to keep others from viewing your account balance is to exit the browser when you are finished with your session. This is especially important if you are using a public or shared computer.
Our internet home banking database is a private system operated for the exclusive use of our members. We use SSL encryption and digital server authentication to insure the privacy of your information when sending data between our home banking server and your PC.
All Member.net logins are logged by the server. For authenticated members who use internet home banking, we collect and store certain information such as how often you visit Member.net, dates and times of visits and which pages are being used. We use this information for internal review and product evaluation only. We never sell, transfer or trade this information unless we are compelled to do so by law.
We may gather and store additional information available to us on failed login attempts and other activity we consider a threat to our system. In these cases, we will share this information with other companies, agencies and law enforcement officials as we see fit.
Liability for Unauthorized Transfers:
Tell us AT ONCE if you believe your password has been lost or stolen and immediately change your password from within Member.net. Calling is the best way to notify us immediately. You could lose all the money in your account. If you tell us within two (2) business days, you can lose no more than $50 if someone used your password without your permission.
If you do NOT tell us within two (2) business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500.
Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time.
If you believe your password has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:
Oshkosh Community CU
250 Pearl Avenue, Oshkosh, Wisconsin 54901
All transactions generated by you through our internet home banking service and any internet home banking fees will appear on your monthly or quarterly statement.
If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement/disclosure 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 the transfer; If the internet home banking equipment or software was not working properly and you knew about the breakdown when you started the transfer;
- If circumstances beyond our control (such as fire or flood) prevent the transfer despite reasonable precautions that we have taken.
We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the internet home banking service, nor shall we be responsible for any direct, indirect, special or consequential damages arising in any way out of the installation, use or maintenance of your equipment, software and/or service, except where the law requires a different standard. We do not make any warranties concerning the equipment, the software or any part thereof, including, without limitations, any warranties of fitness for a particular purpose or warranties of merchantability.
Errors and Questions:
In case of errors or questions about your electronic transfers, telephone us at (920) 233-1952 or write us at 250 Pearl Avenue, Oshkosh, Wisconsin 54901 as soon as you can. We must hear from you no later than sixty (60) days after you learn of the error. You will need to tell us:
- Your name and account number;
- Why you believe there is an error and the dollar amount involved;
- Approximately when the error took place.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10) business days and correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint, but you will have the use of the funds in question after the ten (10) business days. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account during the investigation.
If we decide that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
If you need more information about our error resolution procedures, call us at the telephone number shown above.