Arapahoe Credit Union Contact Arapahoe Credit Union

Privacy and Terms of Use

 

 

Privacy Policy

Arapahoe Credit Union is committed to protecting the privacy of our members' financial records consistent with federal and state laws. For a PDF, printable version of our policy, click the following link: ACU Privacy Notice. In the course of providing services to you, we collect information about you, some of which is non-public personal information. We do not sell your nonpublic personal information, but we do share such information with our service providers and others to better serve you.

We share your non-public personal information only with contractual safeguards to protect the confidentiality of your information. We maintain strong security controls to safeguard the privacy and accuracy of communications and transactions to protect our members' confidentiality. The purpose of this notice is to inform you of the credit union's Privacy Policy.

Information we collect about you
We collect and retain information about you from the following sources: Information we receive from you on applications; other forms (for example, name, address, social security number, assets, and income); and information received while verifying data provided on applications; information about your transactions with us, our affiliates or others including those companies that work closely with us to provide you with our financial products and services (for example, your account balance, payment history, parties to transactions and credit card usage); information we receive from a credit reporting agency or check verification agency; information contained in emails.
 
Information We Disclose
We may disclose all of the information we collect, as described above, as permitted by law and in accordance with the credit union's privacy policy.

Disclosure of Information to Parties that Provide Services to Us
In order that we may provide members competitive products and services, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf and to other financial service providers with whom we have joint marketing agreements.  We may also disclose non-public personal information about you to non-affiliated third parties as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct our operations, follow your instructions as you authorize or protect the security of our financial records.
 
Disclosure of Information About Former Members
If you decide to terminate your relationship with us, we will not disclose any non-public personal information we have collected about you to anyone, except as may be permitted or required by law.

Back to top


 
Fair Credit Reporting Act Disclosure
We are permitted by law to share any information about transactions or experiences with you.  However, information taken from credit reports will not be exchanged or shared with anyone.
 
How We Protect Your Information
We restrict access to non-public personal information about you to those credit union employees who need to know that information to provide products or services to you.  All of our employees receive training regarding confidentiality and security of member information.  We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information 
 
Your Responsibility to Protect Information
The credit union is committed to protecting the privacy of its members. There are certain things that you should also do to protect your privacy. For instance, in order to protect the transmission of information you send by e-mail to the credit union, these messages should be sent through our on-line banking system that has a secure server. 

In connection with any passwords or PIN information, you should keep that information confidential and in a location separate from you account numbers (e.g., member number, card numbers) or in any way that a third party would be able to easily identify this information to persons that contact you. Our staff will already have access to your information (except PINs which you should not disclose to even credit union staff) when they contact you -- they will not have to ask you for it. If you have any questions regarding the credit union's privacy policies or other information, please contact us at:

Arapahoe Credit Union
3999 E. Arapahoe Road
Centennial, CO  80122
303-740-7063

Important Information About
Procedures for Opening a New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you: When you open an account, we ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


Terms of Use


First off, please note that Arapahoe Credit Union will always try to maintain the most up-to-date information in the most convenient format here, on the website.  However, we cannot be responsible for misuse or misinterpretation of the material.  Please note that system access may be limited, delayed or unavailable from time to time due to web traffic, maintenance, or other unforeseeable circumstances.  Additionally, while we strive for perfection, please be aware that sometimes mistakes do happen and our in-branch policies, numbers and statistics should be used as the final authority for all products and services.  In instances of links, a 3rd party website might be referenced.  Please know that we do not endorse any outside sites and that after leaving the domain “ArapahoeCU.org.” we cannot speak for the privacy and security policies.  As always, please let us know if you have any comments, suggestions or if there is anything we can do for you!


Arapahoe Credit Union Electronic Communications and Disclosure Agreement Updated March 21, 2014

Electronic Communications and Disclosure:

Online Banking and Mobile Banking are an electronic internet based services. Therefore, you understand that the Online Banking and Mobile Banking Agreement will be entered into electronically.

  • You have the right to have this disclosure provided or made available on paper or in non-electronic form;
  • You have the right to withdraw the consent to have the disclosure provided or made available in an electronic form, but this will result in the termination of your Online Banking and Mobile Banking service;
  • The consent to receive electronic consumer disclosures applies to all future required consumer disclosures in connection with the Online Banking and Mobile Banking services;
  • You may request a paper copy of this consumer disclosure by calling us at 303.740.7063 or 1.800.740.7063, or email us at CommunicationsCenter@arapahoecu.org.
  • You understand that to access and retain this disclosure you must have the following: a personal computer with an Internet browser that has “cookies” enabled and supports 128 bit encryption, an Internet connection for the personal computer, an e-mail address, and either a printer or sufficient electronic space to store this disclosure.

Arapahoe Credit Union Online Banking and Mobile Banking Agreement Updated: March 21, 2014

This Agreement is the contract which covers your and our rights and responsibilities concerning Online Banking and Mobile Banking services offered to you by Arapahoe Credit Union. In this Agreement, the words “you” and “yours” mean those who access Online Banking or Mobile Banking and any authorized users. The words “we,” “us,” and “credit union” mean Arapahoe Credit Union. The word “account” means any one or more share or loan accounts or any other accounts you have with the credit union. "Device" means a computer or supportable mobile device including a cellular phone or other mobile device that is web-enabled.. "Mobile Banking" means the banking services application accessible from the mobile device.

By accessing the Online Banking or Mobile Banking service you agree to the following terms governing your and our rights and responsibilities concerning the electronic funds transfer services. Electronic funds transfers (“EFTs”) are electronically initiated transactions through Online Banking and Mobile Banking involving your deposit accounts.

  1. Online Banking Services: You must use your user name and password to access your accounts. Online Banking is accessible seven (7) days a week, 24 hours a day. However, the system may be temporarily unavailable from time to time for maintenance. The credit union cannot guarantee and is not responsible for the availability of the online banking system. You will need a personal computer or mobile device and an approved web browser to access Online Banking. The online address for Online Banking is www.ArapahoeCU.org . You are responsible for the installation, maintenance and operation of your computer or mobile device and modem and/or other Internet connection device. The Credit Union will not be responsible for any errors or failures involving any telephone or other Internet service, or your computer or mobile device. Online Banking services may include:
    • Withdraw funds by check via mail from your savings, checking, and money market accounts.
    • Transfer funds to and from your savings, checking, and money market accounts.
    • Obtain balance information for all of your accounts.
    • Make loan payments from your savings, checking and money market accounts.
    • Access your VISA Credit Card, Overdraft Line of Credit , and Home Equity Line of Credit accounts.
    • Determine if a particular item has cleared.
    • Obtain tax information on amounts earned on deposit accounts or interest paid on loan accounts.
    • Verify the date and amount of any deposit including payroll deposits.
    • Obtain current loan interest rates, account histories, dividend and interest rates and calculate loan payments.
    • Transfer funds from your account to another account at Arapahoe Credit Union.
    • Communicate with the Credit Union using Secure Messaging (E-mail).
    • Obtain copies of statements.
    • Apply for a loan.
    • Open certain types of deposit accounts.
    • Obtain check copies.
    • Change your access code.
    • Access to Bill Pay Services
    The Credit Union does not make any warranty, express or implied, to you regarding the Quicken or Money software programs including but not limited to any warranty of merchantability or fitness for a particular purpose.

  2. Online Banking Service Limitations: The following limitations on Online Banking transactions may apply:
    1. Transactions in Online Banking are subject to the terms and limitations disclosed in the Membership and Account Agreement, Electronic Funds Transfer Agreement and Disclosure, Account Rate and Fee Disclosures, and your loan agreements. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may process transfers that exceed your available balance at our discretion. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. All checks requested through Online Banking are payable to you as a primary member and will be mailed to your postal address of record. We may limit the type, frequency and amount of transfers for security purposes and may change or impose the security limits without notice, at our option.


    2. The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to the processing time for any ATM deposit transactions and our Funds Availability Policy. Any transfer of funds after business hours will post to the account on the following business morning with an effective date of the date the transfer was made.


    3. You may email using the Secure Messaging Option in Online Banking E-mail, however, may not be used to initiate a transfer on your account or a stop payment request. The Credit Union may not immediately receive E-mail communications that you send and the Credit Union will not take action based on E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. Upon receipt of your e-mail Arapahoe Credit Union will notify you via email as to the status of your request within one business day. If you need to contact the Credit Union immediately regarding an unauthorized transaction or stop payment request, you may call the Credit Union at 303.740.7063 or 1.800.740.7063.

  3. Mobile Banking Services: The following terms and conditions apply to the Mobile Banking service.
    1. Mobile Banking is offered as a convenience and supplemental service to our Online Banking services. It is not intended to replace access to Online Banking from your personal computer or other methods you use for managing your accounts and services with us. Mobile Banking allows you to access your account information, transfer funds, and conduct other banking transactions. To utilize the Mobile Banking service, you must be enrolled to use Online Banking.

      We reserve the right to limit the types and number of accounts eligible and the right to refuse to make any transaction you request through Mobile Banking. We also reserve the right to modify the scope of the service at any time.

      We may offer additional Mobile Banking services and features in the future. Any such added Mobile Banking services and features will be governed by this agreement and by any terms and conditions provided to you at the time the new Mobile Banking service or feature is added and/or at the time of enrollment for the feature or service, if applicable. from time to time, we may amend these terms and modify or cancel the Mobile Banking services we offer without notice, except as may be required by law.

      The Credit Union cannot guarantee and is not responsible for the availability of the Mobile Banking Application. Mobile Banking may not be accessible or may have limited utility over some network carriers. In addition, the service may not be supportable for all devices. The credit union cannot guarantee and is not responsible for the availability of data services provided by your mobile carrier, such as data outages or "out of range" issues. Your wireless carrier may assess you fees for data or text messaging services. Please consult your wireless plan or provider for details.


    2. Permitted Mobile Banking Transfers: Transactions in Mobile Banking are subject to the terms and limitations disclosed in the Membership and Account Agreement, Electronic Funds Transfer Agreement and Disclosure, Account Rate and Fee Disclosures, and your loan agreements. You may transfer or withdrawal up to the available balance in your account at the time of the transfer, except as limited under this agreement or your deposit or loan agreements. The credit union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may process transfers that exceed your available balance at our discretion. If we process the transfer and unless your overdraft protection is provided via an Overdraft Line of Credit, you agree to cover any overdraft amount plus any applicable fees. We may limit the type, frequency and amount of transfers for security purposes and may change or impose the security limits without notice, at our option. You agree to confirm the completion of each transfer in your account balance and transaction history before withdrawing transferred funds.

  4. Use of Service: You agree to accept responsibility for learning how to use the Online Banking and Mobile Banking services, and agree that you will contact us directly if you have any problems with these services. We may modify the service from time to time at our sole discretion. In the event of any modifications, you are responsible for making sure you understand how to use these services as modified. You also accept responsibility for making sure that you know how to properly use your access devices and we will not be liable to you for any losses caused by your failure to properly use the service or your devices.


  5. Other Agreements: You agree that, when you use Online Banking and Mobile Banking services, you remain subject to the terms and conditions of your existing agreements with the credit union except as expressly otherwise stated herein; and with any unaffiliated service providers, including, but not limited to, your internet and mobile service provider and that this agreement does not amend or supersede any of those agreements. You understand that those agreements may provide for fees, limitations and restrictions which might impact your use of these services (such as data usage or text messaging charges imposed on you by your mobile service provider for your use of or interaction with Mobile Banking), and you agree to be solely responsible for all such fees, limitations and restrictions. You agree that only your internet and mobile service provider is responsible for its products and services. Accordingly, you agree to resolve any problems with your provider directly without involving us.

    Any deposit account, loan or other banking product accessed through these services is also subject to the Membership and Account Agreement, Electronic Funds Transfer Agreement and Disclosure, Account Rate and Fee Disclosures, and your loan agreements. You should review the account disclosures carefully, as they may include transaction limitations and fees which might apply to your use of Online Banking and Mobile Banking.


  6. Your Representation: You represent and agree to the following by enrolling for Online Banking and Mobile Banking or by using these services:
    1. Account Ownership/Accurate Information. You represent that you are the legal owner of the accounts and other financial information which may be accessed via these services. You represent and agree that all information you provide to us in connection with these services is accurate, current and complete, and that you have the right to provide such information to us for the purpose of using Online Banking and Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You represent that you are an authorized user of the Devices you will use to access Online Banking and Mobile Banking.
    2. User Security. You agree to take every precaution to ensure the safety, security and integrity of your account and transactions when using Online Banking and Mobile Banking. You agree not to leave your Access Device unattended while logged into these services and to log off immediately at the completion of each access by you. You agree not to provide your username, password or other access information to any unauthorized person. If you permit other persons to use your Device, login information, or other means to access Online Banking and Mobile Banking, you are responsible for any transactions they authorize and we will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your Account. Feel free to use general email to contact us, however, this is not considered a secure way to contact us, and you should not include confidential or sensitive information.

  7. Availability out of the United States: We make no representation that any content or use of Online Banking and Mobile Banking is available for use in locations outside of the United States. Accessing these services from locations outside of the United States is at your own risk.


  8. User Conduct: You agree not to use Online Banking and Mobile Banking or the content or information delivered through these services in any way that would:
    1. infringe any third-party copyright, patent, trademark, trade secret or other proprietary rights or rights of privacy, including any rights in the Software;
    2. be fraudulent or involve the sale of counterfeit or stolen items, including, but not limited to, use of Online Banking and Mobile Banking to impersonate another person or entity;
    3. violate any law, statute, ordinance or regulation (including, but not limited to, those governing export control, consumer protection, unfair competition, anti-discrimination or false advertising);
    4. be false, misleading or inaccurate;
    5. create liability for us or our affiliates or service providers, or cause us to lose (in whole or in part) the services of any of our service providers;
    6. be defamatory, trade libelous, unlawfully threatening or unlawfully harassing;
    7. potentially be perceived as illegal, offensive or objectionable;
    8. interfere with or disrupt computer networks connected to Online Banking and Mobile Banking;
    9. interfere with or disrupt the use of Online Banking and Mobile Banking by any other user; or
    10. use Online Banking and Mobile Banking in such a manner as to gain unauthorized entry or access to the computer systems of others.

  9. No Commercial Use or Re-Sale: You agree Online Banking and Mobile Banking are only for the personal or business use of individuals authorized to access your account information. You agree not to make any commercial use of Online Banking and Mobile Banking or resell, lease, rent or distribute access to these services.


  10. Indemnification: Unless caused by our intentional misconduct or gross negligence, you agree to indemnify, defend and hold harmless the credit union, its affiliates, officers, directors, employees, consultants, agents, service providers, and licensors from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys' fees) caused by or arising from:
    1. a third party claim, dispute, action, or allegation of infringement, misuse, or misappropriation based on information, data, files, or otherwise in connection with the service;
    2. your violation of any law or rights of a third party; or
    3. your use, or use by a third party, of Online Banking and Mobile Banking.

  11. Security of Access Codes: The personal identification number/password and username are the access codes that you select for your security. Your access codes are confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized by you to sign on your accounts. If you authorize anyone to use your access codes, you understand that person may use the Online Banking or Mobile Banking service to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your access codes and you agree that the use of your access codes will have the same effect as your signature authorizing transactions.

    If you authorize anyone to use your access codes that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your access codes. You are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your access codes are changed. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately.

  12. Liability of consumer for unauthorized transfers.
    1. Conditions for liability. A consumer may be held liable, within the limitations described in paragraph (b) of this section, for an unauthorized electronic fund transfer involving the consumer's account. If the unauthorized transfer involved an access device, it must be an accepted access device and the financial institution must have provided a means to identify the consumer to whom it was issued.
    2. Limitations on amount of liability. A consumer's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows:

      1. Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $50 or the amount of unauthorized transfers that occur before notice to the financial institution.
      2. Timely notice not given. If the consumer fails to notify the financial institution within two business days after learning of the loss or theft of the access device, the consumer's liability shall not exceed the lesser of $500 or the sum of:

        1. $50 or the amount of unauthorized transfers that occur within the two business days, whichever is less; and
        2. The amount of unauthorized transfers that occur after the close of two business days and before notice to the institution, provided the institution establishes that these transfers would not have occurred had the consumer notified the institution within that two-day period.
      3. Periodic statement; timely notice not given. A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers. If the consumer fails to do so, the consumer's liability shall not exceed the amount of the unauthorized transfers that occur after the close of the 60 days and before notice to the institution, and that the institution establishes would not have occurred had the consumer notified the institution within the 60-day period. When an access device is involved in the unauthorized transfer, the consumer may be liable for other amounts set forth in paragraphs (b)(1) or (b)(2) of this section, as applicable.
      4. Extension of time limits. If the consumer's delay in notifying the financial institution was due to extenuating circumstances, the institution shall extend the times specified above to a reasonable period.
      5. Notice to financial institution.

        1. Notice to a financial institution is given when a consumer takes steps reasonably necessary to provide the institution with the pertinent information, whether or not a particular employee or agent of the institution actually receives the information.
        2. The consumer may notify the institution in person, by telephone, or in writing.
        3. Written notice is considered given at the time the consumer mails the notice or delivers it for transmission to the institution by any other usual means. Notice may be considered constructively given when the institution becomes aware of circumstances leading to the reasonable belief that an unauthorized transfer to or from the consumer's account has been or may be made.
      6. Liability under state law or agreement. If state law or an agreement between the consumer and the financial institution imposes less liability than is provided by this section, the consumer's liability shall not exceed the amount imposed under the state law or agreement.

        Notify us at once if you believe your access codes have been lost or stolen or that someone has transferred or may transfer money from your account without your permission. call: 303.740.7063 or 800.740.7063 or contact us electronically via e-mail at CommunicationsCenter@arapahoecu.org. Or write: Arapahoe Credit Union 3999 E Arapahoe Rd. Centennial, CO 80122 Attn: Online Banking/Mobile Banking

  13. Business Days: Our business days are Monday through Friday excluding Holidays.


  14. Fees and Charges: There are certain charges for services as set forth below. From time to time, the charges may be changed. We will notify you of any changes as required by law. Fees and Charges are disclosed on the Rate and Fee Schedule.


  15. Transaction Documentation: Transfers and withdrawals transacted through Online Banking and Mobile Banking will be recorded on your periodic statement. You will receive a statement for any month in which you have Online Banking or Mobile Banking transactions.


  16. Account Information Disclosure: We will maintain the confidentiality and privacy of your account information in accordance with our privacy policy as stated on our web site at: www.ArapahoeCU.org. However, we will disclose information to third parties about your account or the transfers you make in the following limited circumstances:

    1. As necessary to complete transfers;
    2. To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant;
    3. To comply with government agencies or court orders; or
    4. If you give us your written permission.

  17. Limitation of Liability for Online Banking and Mobile Banking Services: 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 may be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, special, incidental, or consequential damages. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:

    1. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, if funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability policy, or the transfer would exceed the credit limit on your line of credit.
    2. If you used the wrong password or you have not properly followed computer instructions
    3. If your access codes have been reported lost or stolen.
    4. If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction.
    5. If circumstances beyond our control (such as fire, flood, power failure, or computer or telephone system malfunction) prevent the transaction, despite reasonable precautions we have takenIf the funds in your account are subject to an administrative hold, legal process, or other claim.
    6. If funds in your account are pledged as collateral or frozen because of a delinquent loan. If the electronic transfer is not completed as a result of your willful negligent use of your access codes, or any EFT facility for making such transfers.
    7. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer.
    8. If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by the Credit Union.
    9. If our computer system or equipment does not receive the commands you sent from the computer workstation you used to transmit instructions.
    10. If you transfer funds to a wrong account and we are not able to recover the funds for you.
    11. If the system is unavailable due to a maintenance shutdown
    12. If your access codes (username and password) have been “locked out” and you have been denied access because of too many invalid log-in attempts on your account.
    13. If there are other exceptions as established by the Credit Union.

  18. Termination of Online Banking and Mobile Banking Services: You agree that we may terminate this Agreement and your Online Banking or Mobile Banking services if you, or any authorized user of your Online Banking or Mobile Banking services or access codes breach this or any other agreement with us; or if we have reason to believe that there has been an unauthorized use of your accounts or access codes. You or any other party to your account can terminate this Agreement by notifying us in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.


  19. The Credit Union reserves the right to change the terms and conditions upon which these services are offered. The Credit Union will notify you at least thirty (30) days before the effective date of any change, as required by law. Any change in terms will also be published on-line for your acceptance, prior to log on for Online Banking and Mobile Banking.


  20. Statement Errors: In case of errors or questions about your Online Banking or Mobile Banking transactions, contact us by: telephone at 303.740.7063 or 1.800.740.7063; sending us an e-mail via Secure Messaging in Online Banking; or writing us at Arapahoe Credit Union, 3999 E Arapahoe Rd. Centennial, CO 80122 , as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears.
    1. Tell us your name and account number.
    2. Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made an error or why you need more information.
    3. Tell us the dollar amount of the suspected error.
    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 determine whether an error has occurred 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)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days 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 may not credit your account.

    We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

    *If you give notice of an error within thirty (30) days after you made the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

    **If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S. its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.


  21. No Warranty: All content, products , and services available electronically are provided “as-is” and without any kind of warranty including, but not limited to, implied warranties of any kind including issues of title, non-infringement, security, completeness, accuracy or guarantee against viruses. We do not endorse or are responsible for the accuracy of any opinion, advice or statement made through our site or any other linked to our site. We also cannot attest to the reliability, capability or quality of any product found or obtained by a linked party other than what is required by consumer law. Under no circumstance will we be liable for any loss or damage caused by a member’s reliance on the information obtained through our site or one that is linked. It is completely the member’s responsibility to evaluate content and accuracy of all information found through our electronic services including our website and other electronic platforms including social media site such as Facebook and Twitter. PLEASE SEEK THE ADVICE OF PROFESSIONALS, AS APPROPRIATE, REGARDING THE EVALUATION OF ANY SPECIFIC OPINION, ADVICE, PRODUCT, SERVICE AND OTHER CONTENT.


  22. Limitation of Liability for Our Site and Any Linked Site: IN NO EVENT WILL WE, OR ANY OF OUR SUBSIDIARIES OR AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE OR LOST OPPORTUNITY) ARISING OUT OF OR IN CONNECTION WITH THE USE OF THE SITE OR A LINKED SITE, OR WITH THE DELAY OR INABILITY TO USE THE SITE OR A LINKED SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A MEMBER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE. WE CANNOT AND DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO THE WEBSITE.


  23. OWNERSHIP OF MATERIALS: The content and information on our site is copyrighted and the unauthorized reproduction or distribution is prohibited. Other trademarks, logos and service marks displayed on the our website are used to identify the source of the services and products. They are the property of the respective third-party owners. All information and content including any software programs available on or used to operate our site is proprietary to the respective owners. Members are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works for commercial or public purposes.


  24. Enforcement: You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Agreement that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. This Agreement shall be governed by and construed under the laws of the state of Colorado as applied to contracts entered into solely between residents of, and to be performed entirely in, such state. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to Colorado law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provisions may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable and such modification shall not affect any other provision of this Agreement.


  25. Arbitration: If there is any dispute with this agreement, we are entitled to request arbitration and reserve any associated rights with legal proceedings.


  26. Assignment: We may assign our rights and delegate our duties under this agreement to another company if we choose.


  27. Entire Agreement: This Online Banking and Mobile Banking agreement is the entire agreement between you and us for electronic and online access and supersedes any marketing or other similar materials regarding these services including those delivered to you in writing, verbally or obtained at our site or the site of an internet service provider.
Rev. 3/21/14

Back to top



NCUA