This page explains the terms and conditions for using our Online Home Banking Service and provides certain disclosures and information to you concerning the service. Each of your accounts at FedStar Credit Union is also governed by the applicable account disclosure/agreement and Truth in Savings disclosure you received when you opened your account. In this disclosure, our Online service is known as “Home Banking” service.
How to Access Your Accounts:
To access your accounts through our Home Banking service, you must have your account number and a Home Banking password. This information is requested when you enter our 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 Home Banking 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 FedStar Credit Union at once at (979) 846-7456.
You cannot use Email 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 Home Banking service, after you have logged in securely using dual authentication. For more information on accessing Home Banking, call us (979) 846-7456 or visit the credit union for these functions.
To get the initial password for the Home Banking service, visit the credit union office to complete the Home Banking application form or call us at (979) 846-7456. FedStar Credit Union must have a completed and verified application for Home Banking on file before we can issue your initial password.
There is no access charge or fee for accessing your account(s) through our Home Banking service. We reserve the right to impose, modify or change the fee amount, if necessary, after providing 30 days notice to all users at the Home Banking login page and/or e-mail address. Data rates and fees may apply from your carrier or ISP. We have no control over ISP related fees.
Available Services and Limitations:
The following functions may be performed by members through the Home Banking service:
Our business days are Monday through Friday. Holidays are not included.
Operating Systems and Security:
Our Home Banking site is designed to operate using World Wide Web technologies and protocols which are adaptable to a wide range of systems. The 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 user’s 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 our Home Banking 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. The best way is to completely close out of the Internet entirely, so the next person to get on will have to start with a new connection and a new browser. This is especially important if you are using a public or shared computer.
Our 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 Home Banking logins are logged by the server. For authenticated members who use Home Banking , we collect and store certain information such as how often you visit the Home Banking section, 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 determine necessary or as we are required by law.
Protecting Children’s Online Privacy:
We do not knowingly collect, nor is our Home Banking site designed or directed, to use personal information from children under the age of 13 without containing verifiable consent from their parents. Should a child whom we know to be under the age of 13 send personal information to us, we will only use that information to respond directly to that child, seek parental consent or provide parental notice.
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 the Home Banking section. 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.
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 a good reason kept you from telling us, we may extend the time periods.
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 us at (979)846-7456
write us at:
FedStar Credit Union
701 Harvey Road, College Station, TX 77840
All transactions generated by you through our Home Banking service and any Home Banking fees will appear on your monthly or quarterly statement. If you receive a paper statement, you will be charged a convenience printing fee. Please consult our Rate and Fees Schedule for more information.
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:
We shall not be responsible for any other loss, damage or injury whether caused by the equipment, software and/or the 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.
Termination of Electronic Fund Transfer Services:
You agree that we may terminate this Agreement and your electronic fund transfer services if you, or any authorized user of your Home Banking services or password, 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 password.
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.
Home Banking services may be terminated to those members that cause a loss to the Credit Union.
The Credit Union reserves the right to change the terms and conditions upon which this service is offered. The Credit Union will mail notice to you at least thirty (30) days before the effective date of any change, as required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations. Errors and Questions: In case of errors or questions about your electronic transfers, telephone us at (979) 846-7456 or write us at 701 Harvey Road, College Station, TX 77840 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:
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.
We will notify you with the results within three (3) business days of completing our investigation. If we decide there was no error, we will send you a written explanation. You may request 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.