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Virtual Branch® Terms & Conditions
The following terms and conditions govern the manner in which Bethlehem 1st Federal Credit Union (Us, We, Our) will provide Virtual Branch Home Banking (Services, Transfers) to You:
Our Customer Service Information:
Our Customer Service is available at 610-691-0041 on weekdays from 9:00 am to 5:00 pm. After hours calls are answered by a voice mail system. Mail may be addressed to:
Bethlehem 1st Federal Credit Union
You authorize Us to utilize Fiserv to provide the Services to You on Our behalf. We reserve the right to refuse to make any transfer. Subject to the terms and conditions of the Agreement, You authorize Us, and any third party acting on Our behalf, to choose the method to process your transfer, including, without limitation, electronic, paper or some other draft means. For each properly instructed transfer to targeted Account, You will receive a transaction confirmation number (Confirmation Number).
UNLESS YOU RECEIVE A CONFIRMATION NUMBER, WE SHALL NOT BE LIABLE FOR ANY FAILURE TO MAKE A TRANSFER, INCLUDING ANY FINANCE CHARGES OR LATE FEES INCURRED AS A RESULT.
Under no circumstances will We be liable if We are unable to complete any transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:
WE ARE NOT RESPONSIBLE FOR ANY OTHER LOSS, DAMAGE OR INJURY, WHETHER CAUSED BY YOUR EQUIPMENT OR SOFTWARE, THE SERVICES, OR ANY TECHNICAL OR EDITORIAL ERRORS CONTAINED IN OR OMISSIONS FROM ANY USER GUIDE/BROCHURE RELATED TO THE SERVICES. WE SHALL NOT BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGE ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF YOUR EQUIPMENT, SOFTWARE OR THE SERVICES, EXCEPT WHERE THE LAW REQUIRES A DIFFERENT STANDARD.
Except for those transfers which are completed immediately, You may cancel or modify a transfer up to 2:00 pm Eastern Time (ET) the same Business Day You schedule the transfer.
All transfers made via the Services will be listed on Your monthly Account statements (Statement) that You receive from Us.
We may, from time to time, introduce new services or enhance the existing Services. We shall notify You of the existence of these new or enhanced services. By using these services when they become available, You agree to be bound by the obligations concerning these services, which will be sent to You.
Care of Your Security Code and Security:
You agree that You will not give your Services security code (Security Code) or make it available to any other person. If You believe that Your Security Code has been lost or stolen, or that someone has made a transfer using Your Security Code without Your permission, notify us IMMEDIATELY by phone any time during Customer Service hours or send an electronic message through the Service.
Your Liability for Unauthorized Transfers:
If You believe that Your Security Code has been lost or stolen, notify Us IMMEDIATELY as provided above in order to keep Your possible losses down. If You notify Us within two (2) Business Days after You learn of the loss or theft, Your maximum liability is $50.00. If You do NOT notify Us within two (2) Business Days after You learn of the loss or theft of Your Security Code, and We could have prevented someone from using Your Security Code if You had told Us in time, Your maximum liability is $500.00.
If Your Statement contains transfers that You did not make, notify Us IMMEDIATELY. If You do not notify Us within sixty (60) days after the Statement was mailed to You, You may not get back any of the money You lost if We can prove that We could have stopped someone from taking the money if You had told Us in time. If a good reason (such as a hospital stay or a long trip) prevented You from telling Us, We may at Our discretion, extend the time.
Errors and Questions:
Contact Us as soon as possible at either the address or telephone number described above if You think that a transfer listed on Your Statement is in error or if You need more information about a transfer listed on the Statement. We must hear from You no later than sixty (60) days after You received the first Statement on which the problem or error appeared.
When You call or write Us, You must:
Disclosure of Account Information to Third Parties:
We will only disclose information to third parties about Your Account:
Bethlehem 1st Federal Credit Union does not intend to charge a fee for this Service. We do, however, reserve the right to do so in the future and will provide 30 days advance notice to all users before imposition of such fees.
In the event that We are unable to process a Services transaction, (if, for example, there are insufficient funds in You Account) the transaction will result in a “Failed Transfer”. In such event, we will charge the total cost of the transaction, including any service charges, to You. We reserve the right to suspend Your subscription to the Services. This suspension may be without prior notice to You. If Your subscription is suspended, transactions which were previously initiated may still continue to be processed unless canceled and confirmation of such cancellation is provided as specified below. Suspension will be handled by Member Services and all inquiries and correspondence relating thereto including requests for reinstatement should be directed to Member Services. In the event Your subscription is suspended, We will notify You by mail to Your listed address.
If You do not pay any amount owed to Us when due, You agree to pay interest on the unpaid balance at the rate of 18% per annum, or 1.5% per month (or the maximum rate allowed by applicable law, if less). In the event that Your claim or debt has to be referred to a third party for collection, You agree, to the extent permitted by law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorney’s fees and court costs.
You agree to pay Us the fees to be published by Us from time to time. Such fees may be changed at Our discretion without notice.
Additional Terms and Conditions:
Copyright © 1999-2015 Bethlehem 1st Federal Credit Union.