Online Banking and Bill Payment Services Agreement and Disclosure Statement
Banking and Bill Payment Services Agreement and Disclosure Statement
enrolling in Hickam Federal Credit Union’s Online Banking and
Bill Payment services, please review the policies and regulations
that will apply to your accounts and transactions.
Online Banking Service allows you to access your Hickam Federal
Credit Union (Hickam FCU) deposit
the Internet. Additionally, if you have chosen the Bill Payment
Service, you may pay bills from your Checking account via the
Internet to payees you have identified.
this Agreement the words "you" and "yours" refer
to the signer or signers on the account. The words "we",
"us", "our" and "Credit Union" mean
Hickam Federal Credit Union. The word "Account" means any
one or more savings or other accounts you have with the Credit Union,
Agreement and Disclosure Statement (the "Agreement")
applies to your use of the Online Banking Service and the Bill
Payment Service, including electronic funds transfers made using
either of these services. Your enrollment in Online Banking
Service signifies your receipt of the disclosures and your agreement
to be bound by the terms contained in this Agreement.
Agreement supplements, but does not replace, the Electronic Funds
Transfer Agreement and Disclosure and other information applicable to
your Hickam FCU deposit accounts, including your signature card, all
accompanying fee and other schedules and any related disclosures or
notices of changes of terms or conditions and the terms and
conditions of any credit agreements applicable to your Hickam FCU
loan accounts, including all accompanying fee and other schedules and
any related disclosures or notices of changes of terms or conditions.
use the Online Banking Service, you must have a personal computer
(PC) to access the Internet through an Internet Service Provider
(ISP). You'll need an Internet service provider, a modem
(28,800 baud or higher is recommended), and Browser software which
supports Secure Sockets Layer (i.e. Netscape 4.x or newer, Microsoft
Internet Explorer 4.x or newer. The latest browser version is
recommended). You are solely responsible for obtaining, maintaining,
upgrading and operating your ISP and any associated software. We are
not responsible for any loss, damage or claim caused by your ISP, any
related software, or your computer communication equipment.
disclosures which are provided electronically to you will be in an
html format capable of being retained either by printing or storing
electronically and you are responsible to print or store
electronically all such disclosures. By being able to access this
disclosure, also in html format, you are acknowledging that you have
the ability to access and read all electronic documents and
disclosures available to you.
a change in hardware or software requirements needed to access or
retain electronic records creates a material risk that you will not
be able to access or retain a subsequent electronic record, you have
the right to withdraw consent without the imposition of any fees for
such withdrawal and without the imposition of any condition or
consequence that was not previously disclosed.
to the terms and conditions of this Agreement you may access Online
Banking Service to:
account and loan balances for each of your selected Accounts.
available account and loan histories for each of your selected
Accounts, excluding Adjustable Rate Mortgage loans.
Credit Union has contracted with a third-party to provide bill
payment service to its members. The bill payment service provider
will be processing bill payments and answering questions directly
related to these member-initiated bill payments. The Credit Union, at
its sole discretion, reserves the right from time to time, to change
Bill Payment Service Providers.
you elect the Bill Payment Service, you may use a computer and the
Internet to do the following, subject to the terms and conditions of
you add a vendor for bill payment, your vendor list will show whether
the vendor will be paid by an electronic transfer or by paper check,
mailed to the payee. You authorize us to choose the way to
process your payment or transfer request. All payments made
through the Bill Payment service will be deducted from your Checking
account. Any payment paid through the Bill Payment Service must
be payable in U.S. dollars to vendors in the United States.
Each payee must appear on the payee list created by you and the
account you are paying from must be in your name. You must
provide sufficient information about each payee on your payee list in
order for us to direct a payment to that payee. The information
must also be sufficient to permit the payee to credit the correct
account with your payment. You may not use the Bill Payment
Service to make payments to a federal, state or local government or
tax unit, for alimony, child support or other court-directed payment,
to a securities broker, or to other categories of payees that we may
establish from time to time.
must allow sufficient time for the payee to receive and process the
payment before the payment due date (the due date shown on your
invoice or provided in your agreement with the payee, not taking into
account any grace period provided by the payee). If you do not
allow sufficient time, you assume full responsibility for all late
fees, finance charges, or other actions taken by the payee. We
will not be liable for late charges, service fees, or any other
charge if you do not schedule payments as required above.
may take up to ten (10) days to reach the vendor (payee), as they are
paid either electronically or by physical check, mailed to the payee.
No activity after (6) months may cause cancellation of your Bill
order to access Online Banking and Bill Payment services, you will
need to access your account(s) using your Sign-On ID and password.
You may change your password within Online Banking by using the
"option" button. We recommend that you change your
password regularly. For security purposes, it is recommended
that you memorize your password and do not write it down. You are
responsible for keeping your password, account numbers, and other
account data confidential. This is extremely important to prevent
unauthorized access to or use of your Account. You agree that you
will be responsible for all transfers and payments made from your
Account by anyone you authorize to use your Account, whether such use
is pursuant to or beyond your instructions.
may transfer funds to and from your Accounts, as long as you have
sufficient funds available to complete the transfer and nothing in
the terms and conditions of the Account Agreement prohibit the
transfer. Transfers from your Account are subject to all the
transfer restrictions, if any, included in your Account Agreement. In
addition, you may not transfer from your Account any funds, which are
secured as collateral for loans you have with us or a third party. By
signing this Agreement, you authorize the Credit Union to charge your
Account for the amount of any bill payer payment that you make or
that you authorize, as well as any charges for providing this
service. You also authorize us to initiate any reversing entry or
file and to debit or credit any Account in order to correct any
mistaken debit or credit entry.
Information about the Services
may update or delay any or all services referenced in this Agreement
to ensure security. We will deny access to the Online Banking
service if an incorrect password is entered three (3) times. If
access is denied, contact the Call Center at (808) 423-1391 or
1-800-432-4328 (Neighbor Islands/Continental U.S.) between 8:00 a.m.
and 6:00 p.m. (Hawaii Standard Time) Monday through Friday, or
between 9:00 a.m. and 3:00 p.m. on Saturday, except holidays.
Additional information and instructions on use of the Online Banking
Service and Bill Payment Service may be found in this Agreement.
Payment Service Preauthorized Payments
Payments: You may use the Bill Payment Service to schedule recurring
payments to third-party vendors.
Payment: Payments that are pending or not issued may be deleted or
modified while using Bill Payment Service. If, however, the
payment is already reflected in the Bill Payment Service history and
you wish to request a stop payment or change a Bill Payment Service
transaction, you must contact the Bill Payment Service provider’s
customer service department in time for the Bill Payment Service
provider to receive your request three (3) business days or more
before the payment is scheduled to be made. If you call, we may
also require you to put your request in writing and get it to us
within fourteen (14) days after you call.
specified in the Agreement, there is no limit to the number of times
you may use Online Banking Service, and you may transfer or authorize
payments up to the available balance in your Account at that time.
However, we may:
the number of transactions in certain accounts as required by law.
For Savings and Money Market accounts, you may make up to six (6)
preauthorized, automatic, telephonic, or audio response transfers
(including overdraft protection transfers) per account to another
account of yours or to a third-party during any calendar month. A
preauthorized transfer includes any arrangement with us to pay a
third-party from your account upon oral or written orders including
orders received through the automated clearinghouse. You may
make unlimited transfers to any Credit Union loan account and may
make withdrawals in person, by mail, or at an ATM. However, we
may refuse or reverse a transfer that exceeds these limitations and
may assess fees against, suspend, or close your account.
Online Banking Service and the Bill Payment Service are designed and
intended for personal, family, or household purposes. The services
are not designed for business or commercial use. You may not use the
services for any commercial purpose. You will take full
responsibility if your accounts are being used as business or
commercial accounts and will reimburse us for any loss, costs, or
expenses we incur as a result of your use of the services for
business or commercial purposes.
fees and charges can be found in our Schedule of Fees. These
fees are subject to change,
and we will notify you of any changes as required by applicable
following fees apply to the Bill Payment Service.
will get a monthly account statement unless there are no transfers in
a particular month. You may also generate a printed history of
activity while using Online Banking Service. In any case, you
will get a statement of activity at least quarterly.
are entitled to receive and retain a copy of this agreement and
disclosure statement. Unless you inform us otherwise, you
consent to electronic receipt of this agreement and disclosure
statement, all Account statements, and other notices provided from
time to time on our Online Banking Service web site by using our
Online Banking Service or Bill Payment Service. You may request
a free paper copy by calling Support Services at (808) 423-1391 or
1-800-432-4328 (Neighbor Islands/Continent U.S.) between 8:00 a.m.
and 6:00 p.m. (Hawaii Standard Time) Monday through Friday or between
9:00 a.m. and 3:00 p.m. on Saturday, except holidays. You may revoke
your consent in writing by contacting us by
Use the mail option in your Hickam FCU Online Banking
U.S. mail at: Hickam
Federal Credit Union
are responsible for all Electronic Funds Transfer (EFT) transactions
you authorize. If you permit someone else to use an EFT service, or
your access device
(card, code, or other means),
you are responsible for any transactions they authorize or conduct on
any of your accounts.
US AT ONCE if you believe your access device has been lost or stolen,
if you believe someone has used your access device
or otherwise accessed your accounts without your authority, or if you
believe that an EFT transaction has been made without your permission
using information contained on your personal checks. Telephoning is
the best way of keeping your possible losses down. You could lose all
the money in your account (plus your maximum overdraft line of
credit). If a transaction was made with your card or card number
without your permission, and it was a VISA transaction, you will have
no liability for the transaction, unless you were grossly negligent
in the handling of your account or card. For all other EFT
transactions, including ATM transactions or if
were grossly negligent in the handling of your account or card, your
liability for an unauthorized transaction is determined as follows:
you tell us within two (2) business days,
you can lose no more then $50 if someone used your card
without your permission. If you do NOT tell us within two (2)
business days after you learn of the loss or theft of your card,
and we can prove we could have stopped someone from using your card
without your permission if you had told us, you could lose as much as
if your statement shows transfers that you did not make including
those made by card,
or other means, 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 lost after the sixty (60) days if we can prove that we
could have stopped someone from making the transfers if you had told
us in time. If a good reason (such as a hospital stay) kept you from
telling us, we will extend the time periods. If you believe your card
has been lost or stolen or that someone has transferred or may
transfer money from your account without your permission, call:
432 HFCU (4328)
472-3272 (Lost/Stolen Debit Cards Only)
write to :
Federal Credit Union
also call the number or write to the address listed above if you
believe a transfer has been made using the information contained on
your personal checks without your permission.
and Account Information Disclosures
will disclose information to third parties about your account or the
transfers you make:
your account is eligible for emergency cash and/or emergency card
replacement services, and you request such services, you agree that
we may provide personal information about you and your account that
is necessary to provide you with the requested service(s);
Federal Credit Union Liability
to the Bill Payment services may be temporarily unavailable from time
to time due to system updating, maintenance or technical
difficulties. You agree that the Credit Union will not be
liable for delay in payments in such cases. If we do not
complete an electronic fund transfer to or from your Account in time
or in the correct amount according to our agreement with you, we may
be liable for your losses or damages. However,
we will not be liable for direct or consequential damages in the
through no fault of ours, you do not have enough money available in
your Account to make the electronic fund transfer, if any funds in
your Account necessary to complete the transfer are held as
uncollected funds pursuant to our Funds Availability Policy, or if
the funds in your Account are pledged as collateral or frozen
because of a delinquent loan;
the electronic funds transfer would go over your overdraft
protection credit limit;
through no fault of ours, we have not actually received enough money
to cover an electronic deposit from a third party;
the funds in your Account are subject to legal process or other
encumbrances restricting the electronic fund transfer;
your computer, modem, software, or Internet access is not working
properly or you do not have the required software for Internet
our processing system was not working properly and you knew about
the problem when you started the electronic funds transfer;
circumstances beyond our control (such as fire or flood) prevent the
electronic fund transfer, despite reasonable precautions that we
you have not provided us with correct and complete information about
the payee is not a valid business payee;
you did not timely provide us with correct instructions as to when
to make a payment;
the payees, on its own, mishandles or delays processing the payment
sent by us;
this Agreement is terminated;
you have bill payment services, we can only confirm the amount, the
participating merchant, and date of the bill payment transfer made
by us. For any other error or question you have involving the
billing statement of the participating merchant, you must contact
the merchant directly. We are not responsible for investing such
the authorization for your electronic fund transfer is revoked by
law or court order (in case of death or incompetence, for example);
other exceptions are provided in other agreements we have with you
or by applicable law. We will not be required to complete any
transaction described above. In the event that such a
transaction is completed, you agree to pay us that amount that
exceeds your Account balance or your line credit or that is
otherwise improperly withdrawn immediately upon request.
Case of Error or Questions about
Your Electronic Funds Transfer
case of error or questions about your electronic fund transfers, or
if you think your statement or receipt is wrong, or if you need more
information about an electronic fund transfer listed on the statement
or receipt, contact us at the appropriate telephone number, e-mail
address, or address listed below as soon as you can. We must hear
from you no later than sixty (60) days after we send you the FIRST
statement on which the problem or error appeared. Provide
us with the following information:
name and Account number.
description of the error or EFT transaction in question and a clear
explanation of why you believe it is an error or why you need more
dollar amount of the suspected error.
you inform us verbally, we will require that you send us your concern
or question in writing within ten (10) business days.
will inform you of the results of our investigation within ten (10)
business days after we hear from you and will correct any error
promptly. Where applicable, we will credit interest and refund
any fees or charges imposed on your Account. 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
provisionally 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 do not receive your complaint or question in writing within ten
(10) business days after you inform us verbally, we will not credit
errors involving transfers within thirty (30) days after the first
deposit to the account was made, or initiated outside the United
States, the periods referred to above are twenty (20) business days
instead of ten (10) business days and ninety (90) days instead of
forty-five (45) days. If there was no error, we will send you a
written explanation of our findings within three (3) business days
after we complete our investigation. You may ask us for copies
of the documents that we used in our investigation. If we
provisionally credited your Account, we will also notify you that we
reversed the credited amount. We will honor any checks, drafts
or other similar paper instruments and any preauthorized electronic
fund transfers up to the amount we reversed plus the available
balance in your Account and the available balance in your overdraft
account (if applicable) without imposing any overdraft charges from
your Account for a period of five (5) business days after our notice
of reversal is sent to you.
errors or questions, call Support Services at (808) 423-1391 or
1-800-432-4328 (Neighbor Islands/Continent U.S.) between 8:00 a.m.
and 6:00 p.m. (Hawaii Standard Time) Monday through Friday or between
9:00 a.m. and 3:00 p.m. on Saturday, except holidays.
Use the mail option in your Hickam FCU Online Banking
U.S. mail at:
Hickam Federal Credit Union
of EFT Services
can terminate this Agreement or any EFT service under this Agreement
at any time by notifying us in writing and no longer using your card
or any access code. You must return all cards and agree to notify
any participating merchants that authority to make bill payment
transfers has been revoked. We may also terminate this Agreement at
any time by notifying you verbally or in writing. Whether you
terminate this Agreement or we do, the termination will not affect
your obligations under the Agreement for any electronic transactions
made prior to termination, even if we allow any transaction to be
completed after this Agreement has been terminated. Inactivity
would also be
cause for this Agreement to be terminated.
notices from us will be effective when we have electronically
provided, mailed or delivered them to the last address that we have
for you in our records. Notices from you will generally be
effective once we receive them at the appropriate address specified
in the Agreement. If
there is more than one Accountholder, notice to or from one of the
Accountholders will be effective for every Accountholder.
We reserve the right to change the terms and conditions upon which
the service is offered. We
will notify you at least twenty-one (21) days before the effective
date of a change that may have a negative impact on you. Use
of this service is subject to existing regulations governing the
credit union account and any future changes to those regulations.
business days are Monday through Saturday. Holidays on which the
Credit Union is closed for business and Sundays are not
records (no matter the format) used and retained by the Credit Union
for the transactions contemplated by this Agreement shall be and
remain the property of the Credit Union. The Credit Union may,
in its sole discretion, make available certain stored information
upon the member’s request, provided that, any expenses incurred
by the Credit Union in doing so shall be paid by the member.
Rules and Regulations
Accounts may also be governed by other agreements between you and us.
are liable to us for any losses, costs or expenses we incur resulting
from your failure to follow this Agreement. You authorize us to
deduct any such losses, costs or expenses from your account without
prior notice to you. If we bring a legal action to collect any amount
due under or to enforce this Agreement, we shall be entitled, subject
to applicable law, to payment of reasonable attorney’s fees and
costs, including fees on any appeal, bankruptcy proceedings, and any
post-judgment collection actions.
Agreement is governed by our bylaws, federal laws and regulations,
the laws of the State of Hawaii, and local clearinghouse rules, as
amended from time to time. Any disputes regarding this Agreement
shall be subject to the jurisdiction of the court of the county in
which we are located.
delay or omission by us in exercising any right or remedies under
this Agreement and Disclosure Statement shall impair or be construed
as a waiver of such right or remedy. All waivers must be in
writing and signed by us.
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