This page explains the terms and conditions for using our Internet Teller
Service and provides certain disclosures and information to you
concerning the service. Each of your accounts at St. Bernadette Credit Union is also governed by the applicable account disclosure/agreement
and Truth In Savings disclosure you received when you opened your
How To Access Your Accounts:
To access your accounts through our Internet Teller
service, you must have your account number and an Internet Teller
password. This information is requested when you enter our Internet Teller
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 Internet Teller
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 St. Bernadette Credit Union at once at (314) 892-6325.
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 Internet Teller
service, call (314) 892-6325 or visit the credit union for these
To get an initial password for the Internet Teller
service, visit the credit union office or call us at (314) 892-6325.
There is currently no fee
for accessing your account(s) through our Internet Teller
service. We reserve the right impose / change the fee amount, if
necessary, after providing 30 days notice to all users at the Internet Teller
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
Available Services and Limitations: The following functions may
be performed by members through the service:
- Transfers: You may transfer funds between your Share
or Loan Accounts as the account agreements may allow. Transfers
done through the service DO NOT immediately charge or credit your
account. TRANSFERS WILL BE EFFECTIVE BY THE NEXT BUSINESS DAY
AFTER THE DATE OF SUCH TRANSACTION but may occur sooner.
- Account Balances: You may view your share and loan account
balances. Because the main credit union computer system is not
connected to the Internet, it is possible that some transactions
that affect these balances, and have been processed by the credit
union, are not yet included in the balance at the time you view
it. In addition, there may be drafts written against your balance,
or other electronic items such as debit card transactions, that
have not yet been presented to the credit union for payment.
- Transaction history: You may view the transaction history
for any loan or share account. Because the main credit union computer
system is not connected to the Internet, it is possible that some
transactions are not yet included in the history at the time you
view it even though they may have been processed by the credit
union. The main credit union computer system is always the official
record of account history. The Internet Teller
service may be updated several times per day for your convenience
in viewing account activity.
- Password Changes: If you are an Internet Teller
user, you may change your password at any time from within the
section. For your protection we recommend that you change your
- 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 through our Internet Teller.
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
Our business days are Monday through Friday. Holidays are not
Operating Systems and Security:
Our Internet Teller
site is designed to operate using world wide web technologies and
protocols which are adaptable to a wide range of systems. The Internet Teller
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.
section. Some browsers allow you to reject cookies from servers.
If you don't allow us to set a cookie upon entering the site, you
will not be able to log in. The cookie we set contains information
we need for security, and allows us to 'time out' your authority
to view information. We place the cookie with instructions that
it can only be sent to a server in our Internet Teller
domain (homecu.net). A cookie cannot be used to extract data from
your PC. We do not store your Access Code, User Id or Password in
The cookie we set will 'time out' your access authority to our
section. Until it times out, you can come back to our Internet Teller
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 Teller
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 Internet Teller
server and your PC.
All Internet Teller
logins are logged by the server. For authenticated members who use
, we collect and store certain information such as how often you
visit the Internet Teller
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 see
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 Internet Teller
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
If a good reason kept you from telling us, we will extend the 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:
St. Bernadette Credit Union
Some Address, St. Louis, MO, Some Zip
All transactions generated by you through our Internet Teller
service and any Internet Teller
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 Teller
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, flood or
power failure) 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 Teller
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 (314) 892-6325 or write us at Some Address, St. Louis, MO, Some Zip 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.
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.