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AGREEMENT
AND DISCLOSURE
By completing and signing
the Premier Financial Express application, I apply for a La-Tec
Credit Union confidential Personal Identification Number
(PIN) for use with the Premier Financial Express voice response
system.
I understand that I cannot
perform transactions without a PIN and that I must apply
for it in writing and that the credit union will not keep
a record of it. It is my understanding that my PIN may be
used for transfers within my account, information
regarding my accounts, check withdrawal made out in my
name on my accounts (except Individual Retirement Accounts
and Certificates of Deposit) and for such other
transactions as may become available, of which this
Agreement is made a part by reference. I am responsible
for the safekeeping of my PIN and for all transactions by
use of Premier Financial Express.
I will notify the Credit
Union immediately and send written confirmation if my PIN
is disclosed to anyone other than a joint owner of my
account. If I disclose my PIN to anyone, however, I
understand that I have given them access to my accounts
via Premier Financial Express and that I am responsible for such
transactions.
I further understand that
my PIN is not transferable and I will not disclose the PIN
or permit any unauthorized use thereof.
If I default on any amounts
I owe under this Agreement, I agree to pay any and all
attorney fees and collection costs incurred by the Credit
Union to the extent allowed by law.
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 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 good reasons (such as a
long trip or hospital stay) kept you from telling us, we
will extend the time periods.
If you believe your PIN has
been lost or stolen or that someone has withdrawn or may
withdraw money from your account without your permission,
call 920-898-4232 or write: Premier Financial Credit Union, PO Box
158, New Holstein, WI 53061-0158.
Our business hours are
Monday, Wednesday and Thursday, 8:30 a.m. to 5:00 p.m.;
Tuesday 9:30 a.m., and Friday 8:00 a.m. to 6:00 p.m.
Amendments to this
Agreement may be provided to me, in accordance with
applicable laws, without restatement of the terms. The use
of Premier Financial Express is subject to such other terms,
conditions and requirements as the Credit Union may
establish from time to time.
I understand that the
Credit Union must give me at least 21 days notice if it
makes any changes to this Agreement.
Transactions made through
Premier Express are binding on the Credit Union only after
verification by the Credit Union.
Transactions after the
normal business hours each day may be posted to the
appropriate accounts on the next business day after the
date of such transactions.
The total dollar amount of
transactions via Premier Financial Express is subject to limits set
by the Credit Union, and sufficient verified funds must be
available to satisfy my transaction instructions.
The Credit Union reserves
the right to impose service charges at a future date after
giving you notice of such service charges.
Premier Express will be
available for your convenience 24 hours a day, 365 days a
year, with minor interruptions for end-of-day in-house
processing.
If you use Premier Financial Express
in a particular month, or you have a checking account,
Line of Credit loan or any electronic transactions, the
Credit Union will mail you a statement for that particular
month's transactions.
Information concerning your
share or loan accounts will be given to third parties
only: A) in order to comply with the order of a government
agency or court, or B) if you give us your written
permission, or C) when it is necessary to complete the
electronic transfer into your account.
If we do not complete a
transfer to your account in time or for the correct amount
according to our Agreement with you, we will be liable for
your losses or damages. However, there are some
exceptions. We will not be liable: A) if circumstances
beyond our control (Such as fire or flood) prevent the
transfer despite reasonable precautions we have taken, B)
if the party sending us the deposit either fails to
generate the correct amount on time, or C) if, through no
fault of ours, you do not have enough money in your
account to make the transfer. There may be other
exceptions stated in our agreement with you.
IN CASE OF ERROR OR
QUESTIONS ABOUT YOUR ELECTRONIC TRANSFER, or if you think
your statement is wrong or if you need more information
about a transfer listed on the statement, telephone us at
920-898-4232 or write us at PO Box 158, New Holstein, WI
53061 as soon as you can. We must hear from you no later
than 60 days after we sent the FIRST statement in which
the problem or error appeared.
• Tell us your name and
account number
• Describe the error or
the transfer you are unsure about, and explain as clearly
as you can why you believe it is an error or why you need
more information.
• 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 10 business days.
We will tell you the
results of our investigation within 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 45 days to
investigate your complaint or question. If we decide to do
this, we will re-credit your account within 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 10 business days, we may not re-credit your
account.
If we decide that there was
no error, we will send you a written explanation within 3
business days after we finish our investigation. You may
ask for copies of the documents that we used in our
investigation.
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