ACCESS YOUR ACCOUNT 24/7
With our HOME BANKING you can check your account balances, history or transfer funds at your convenience, anytime from anywhere that you have internet access.
Please read and print (for your records) the following Home Banking Services Agreement and Disclosure (“Agreement”).
By using the Home Banking Service, each of you, jointly and severally, agree to the terms and conditions in this Agreement, and any amendments.
In this Agreement, the terms:
“We”, “us”, “our”, and “Credit Union” are used to refer to Golden Eagle Federal Credit Union.
“You”, “your”, and “yours” refer to those who use the Home Banking Service, any owner of an account, any joint owners of accounts accessed under this agreement or any authorized users of Home Banking Service.
“Service” refers to the Credit Union’s Home Banking Service.
“Account” means any one or more deposit or loan accounts you have with the credit union.
“Business Day” means Monday thru Friday, excluding holidays.
To access your account or use the Home Banking Service you must use your member number and your password. You will need a personal computer, Internet access and Internet Explorer 4.0 (or higher) or Netscape Navigator 4.0 (or higher) as your browser, and it must support 128 encryption. You are responsible for the installation, maintenance and operation of any software and hardware required to access our Web Site. We will not be responsible for any errors or failures including any telephone service, Internet services, software installation or your computer. The Home Banking Service is normally assessable seven (7) days a week, twenty-four (24) hours a day with the exception of short periods for scheduled maintenance, upgrades and/or circumstances beyond our control.
Presently, you may use the Home Banking Service to:
Transfer funds between your GEFCU checking, savings and loan accounts;
Review GEFCU account balances and transaction history for your checking, savings and loan accounts;
Download your GEFCU account information to financial management software programs;
Conduct other transactions permitted by the Credit Union.
Your accounts will continue to be subject to the agreements otherwise governing them.
The following limitations on Home Banking Service transactions may apply in using the services listed above.
You may make funds transfers to other accounts of yours as often as you like. You may transfer or withdraw up to the available balance in your account. For certain share accounts, we may require a minimum balance to maintain the account. We reserve the right to refuse any transactions that would draw upon insufficient or unavailable funds or lower an account below a required balance.
The account balance and transaction history information may be limited to recent account information involving your accounts. The availability of funds for transfer or withdrawal may be limited due to our Funds Availability Policy.
The Credit Union may not immediately receive E-mail communications that you send. You cannot use E-mail to initiate transactions on your accounts.
Security of Password
Access to your accounts requires utilization of a password. Your Password is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your password. You may change your password at any time. We recommend that you change your password regularly. Under “Options” on the Home Banking Service, go to user profile, then change password. You agree not to disclose or otherwise make your password available to anyone not authorized to sign on your accounts. We are entitled to act on instructions received under your password. For security purposes, it is recommended that you memorize the password and do not write it down. If you disclose your password to another person, you are responsible for any transactions conducted by that person or another person because of that disclosure. If you fail to maintain the security of the password and we suffer a loss, we may terminate your access to the Home Banking Service and account services immediately. If you believe or suspect that someone may have learned your password you should change it immediately.
Liability for Unauthorized Access
You are responsible for all transfers you authorize under this Agreement. If you permit other persons to use the Home Banking Service or your PIN, you are responsible for any transactions they authorize or conduct on any of your accounts. You will notify us immediately if you believe anyone has used your password or accessed your accounts through the Home Banking Service without your authorization. Telephoning us at the number listed below is the best way of keeping your losses to a minimum. If you tell us within two (2) business days, you can lose no more than fifty dollars ($50.00) if someone accesses your accounts without your permission. If you do not tell us within two (2) business days after you learn of the unauthorized use of your account or access code, and we can prove that we could have prevented someone from accessing your account without your permission if you had told us, you could lose as much as five hundred dollars ($500.00). If you do not tell us within sixty (60) days after the statement was sent 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 your statement shows Home Banking transfers that you did not make, tell us at once.
If you believe that someone has used your access code or has transferred or may transfer money from your account without your permission, call Golden Eagle Federal Credit Union at: 918-836-6752 or 800-274-2786 during business hours or write: Golden Eagle Federal Credit Union at: P.O. Box 582350 Tulsa, OK 74158-2350.
Transfers and withdrawals transacted through the Home Banking Service will be reflected on your periodic statement. You will receive a statement monthly unless there is no activity in a particular month. Through the Home Banking Service, you can view your recent savings, checking and loan activity at any time.
Questions and Errors
In case of errors or questions about your statement, receipt or Home Banking transactions, you will contact the Credit Union immediately at (918) 836-6752 or (800) 274-2786 or write to the Credit Union at Golden Eagle Federal Credit Union, P.O. Box 582350, Tulsa, OK 74158-2350. You will also notify us if you need more information about a transfer listed on your statement, receipt or Home Banking history. We must hear from you no later than 60 days after we sent you the first statement on which the problem appeared. You must:
Provide your name and account number
Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information, and
Tell us the dollar amount of the suspected error.
If you notify us verbally, we may ask that you send us your complaint or question in writing within 10 Business Days. We will usually tell you of our findings within 10 Business Days (20 Business Days if the notice of an error occurs within 30 days after you make the first deposit to your account) of notifying us and correct any error promptly. If we need more time, however, we may take up to 45 days (90 days for point of sale debit card transactions, electronic funds transfer transactions from outside the U.S., its possessions and territories, or if the notice of error occurs within 30 days after the first deposit to your account) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 Business Days (20 Business Days if the notice of an error occurs within 30 days after you make the first deposit to your account) for the amount you think is in error. You will have the use of the money while we complete our investigation.
Fees and Charges
There are currently no monthly or transactions fees for accessing the Home Banking Service. You will be responsible for any and all hardware, software, telephone charges or Internet Service Provider fees which you incur by using the Home Banking Service. Additionally, the fees that have been separately disclosed to you on our Fee Schedule in connection with your Account(s) will continue to apply and will be charged in the normal manner. The Fee Schedule is located in the Online Services page of the Web Site. From time to time, the fees may be changed. We will notify you of any changes as required by law.
Account Information Disclosure
We will not disclose information to third parties except:
To comply with government agency or court orders;
To verify the existence of your account for a third party, such as a merchant or credit bureau:
To our employees, auditors, service providers or attorneys.
Except to the extent that we are liable under the terms of this Agreement or an agreement that otherwise governs your account, if you are an owner of an account you agree to indemnify and hold us, our directors, officers, employees, and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an account or the performance of an Home Banking Service, except to the extent such indemnification is not permitted by law. You or your authorized user(s) provide this indemnification without regard to whether our claim for indemnification is due to the use of the Home Banking Service.
You agree that we may terminate this Agreement and your use of the Home Banking Services if you or any authorized user of your account or access code breach this or any other agreement with us; or if we have reason to believe that here has been an unauthorized use of your account or access code. We may terminate this Agreement and/or your access to the Home Banking Service at any time without advance notice. Neither termination nor discontinuation shall affect your liability or obligation under this Agreement.
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.
Changes in Terms and Notices
We reserve the right to change the terms and conditions upon which this service is offered. We may add, delete or amend terms, conditions and other provisions, fees, charges, or other terms described in this Agreement. When changes are made we will update this Agreement in the Notices section of the Web Site and post a notice on the Home Banking Login screen. The Web Site will be updated on the effective date, unless an immediate change is necessary to maintain the security of the system or unless a law, rule or regulation requires that this Agreement be updated at an earlier time. You may choose to accept or decline changes by continuing or discontinuing to use the Home Banking Service. Any use of the Home Banking Service after the amended Agreement’s effective date will constitute your agreement to such change(s). Further, the Home Banking Service may, from time to time, revise or update the programs, services, and/or related material, which may render all such prior versions obsolete. Consequently, we reserve the right to terminate this Agreement as to all such prior version of the Home Banking Service’s programs, services, and/or related material and limit access to the Home Banking Service’s more recent revisions and updates. Changes to fees or terms applicable to accounts are governed by the agreement otherwise governing the applicable account.
In the event either party brings legal action to enforce the Agreement, the parties agree that the legal actions shall be brought in the State of Oklahoma, United States of America. If you bring a legal action against us, or we bring a legal action against you and the legal actions involves the Home Banking Services or other matters discussed in this Agreement, you agree to be liable to us for any liability, loss, or expense, including reasonable attorneys’ fees, if we win. You authorize us to deduct any such liability, loss, or expense from your account without prior notice to you.
Important Information About Procedures for Opening a New Account
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record all information that identifies each person who opens an account.
What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.