CU OnLine (Online Banking)
and Mobile Banking Terms and Conditions
Terms and Conditions:
For purpose of this agreement, "we," "us," "Credit Union" and "our" refers to LBS
Financial Credit Union (LBS Financial), and the words "you" and "your" mean you,
the Member or account holder identified on the account record with us. By
participating in the Services (services) or using the Software, you are agreeing
to the terms and conditions presented here, in addition to any terms and
conditions to which you have previously agreed with respect to your LBS
Financial Account Agreement. Your
use of CU OnLine and Mobile Banking is an addendum to and is subject to the
terms and conditions of our Truth in Savings Disclosure and Account Agreement,
Electronic Funds Transfer Agreement and the terms and conditions of the Bill
Payer service. LBS Financial in its discretion may modify these terms and
conditions from time to time without notice or as otherwise provided by law.
Continued use of the services will constitute acceptance of any new or
amended terms and conditions. Please
read this agreement carefully.
CU OnLine (online banking)
LBS Financial offers CU OnLine electronic
account services which may be used in accordance with the following terms and
conditions. The following information is provided in accordance with the Federal
Electronic Funds Transfer Act. CU OnLine can be used to view the history
of your checking, savings, and loan accounts; to obtain information concerning
loan rates, loan payoff amounts, monthly payments, due dates, and the available
credit for all lines of credit; to show you the accounts your direct deposit
payroll has been distributed among and what amounts; to show interest earned and
paid in each of your accounts for the year to date; to transfer funds from one
account to another of yours or to another member's account; to withdraw funds
from your account and have the same sent to you in the form of a check.
Limitations to Usage
Transfers in CU OnLine are limited to a maximum of $150,000 daily. Also,
due to Federal Reserve Regulation D, you are limited to a maximum of six
preauthorized electronic payments or transfers from your Regular Share/Savings
Account during any calendar month.
Terms and Conditions
Accessing your LBS Financial accounts through CU OnLine confirms your
agreement to be bound by all the
terms and conditions of this Agreement and acknowledges your receipt and
understanding of this disclosure.
Your Security and Password
You will be asked to select an 8-20 character
alphanumeric password. This password can be changed within CU OnLine from the
Change Password menu option or by calling us at 800.527.3328. We recommend that
you change your password regularly. LBS Financial is entitled to act on
instructions received under your password. For security purposes, it is
recommended that you memorize this password and do not write it down. You are
responsible for keeping your password and account data confidential and agree
not to give or make available your LBS Financial User ID/Account Number and
Password or other means to access your account to any unauthorized individuals.
If you disclose your LBS Financial User ID/Account Number and Password to
another person, or you permit others to use this service, you are responsible
for any transactions or transfers that may be initiated from your account.
Although there are no fees for accessing your
accounts via CU OnLine, you may be asked to designate a payment account for
selected services. You agree to pay promptly all fees and charges for services
provided under this Agreement, and authorize us to charge the account that you
have designated as the payment account or any other account for the fees.
If you close the payment account, you must notify LBS
Financial and identify a new payment account for the selected services.
Additionally, if you close all LBS Financial accounts, you must notify LBS
Financial to cancel your CU OnLine.
Your CU OnLine may be canceled at any time without
prior notice due to insufficient funds in one of your accounts. After
cancellation, CU OnLine may be reinstated, once sufficient funds are available
in your accounts to cover any fees and other pending transfers or debits. In
order to reinstate your services, you must call LBS Financial at 800.527.3328.
If you do not schedule or process a payment in your
LBS Financial bill payment account via CU OnLine for any six (6) month period,
LBS Financial reserves the right to discontinue your service. Please note that
your bill payment information will be lost if your service is discontinued.
If you wish to cancel your CU OnLine, please contact
LBS Financial at 800.527.3328, send us cancellation instructions in writing to
LBS Financial Credit Union, P.O. Box 4860, Long Beach, CA 90804 or send an email
Except as specifically provided in this Agreement or
where the law requires a different standard, you agree that neither we nor the
service providers shall be responsible for any loss, property damage or bodily
injury, whether caused by the equipment, software, LBS Financial, or by Internet
browsers or by online service providers or by an agent or subcontractor of any
of the foregoing. Nor shall we or the service providers be responsible for any
direct, indirect, special or consequential, economic or other damages arising in
any way out of the installation, use or maintenance of the equipment, software,
the CU OnLine, or Internet browser or access software.
Hours of Accessibility
You can access your LBS Financial accounts through CU
OnLine seven days a week, 24 hours a day. However, at certain times, some or all
of CU OnLine services may not be available due to system maintenance. During
these times, you may use the touch-tone telephone service (HomeTeller), an LBS
Financial or network ATM or an LBS Financial branch to conduct your
A transfer initiated through the Internet is posted
to your account the same day.
Mobile Banking may be
accessed 24 hours a day, 7 days a week. The Credit Union's standard business days are Monday through Friday,
except for all holidays we observe.
A downloadable application (software) is available for LBS Financial Mobile
Banking through either the Apple App Store for iPhone users or Google Play for
Android users or through an Internet browser (WAP-Wireless Application Protocol;
a technical standard for accessing information over a mobile wireless network.)
You must be a registered CU OnLine user in order to use Mobile Banking.
If you have not registered for CU OnLine, from a personal computer go to
www.lbsfcu.org to enroll.
Mobile Banking Functionality
products, services, or functionality available on CU OnLine are available when
you use mobile banking software. The method of entering instructions via mobile
banking software may differ from the method of entering instructions directly
through CU OnLine. CU OnLine may be accessed through any device with Internet
service; however, mobile banking software is designed to provide convenient
access from your mobile device. In order to remain eligible for the Service, you
must remain a Member in good standing. We reserve the right to determine your
eligibility for the Service.
access Mobile Banking with your mobile device, you will see a menu of available
Mobile Banking functions (e.g. view balances, transfers, search for locations,
etc.) From time to time we will add, modify, or delete particular Mobile Banking
functions. We may make such changes in functions with or without prior notice.
We reserve the right to refuse to make any transaction that you request through
Mobile Banking Device Operations and Maintenance
responsible for understanding the operation and maintenance of your equipment. LBS Financial is not responsible for any
errors or failures related to
your equipment in order to access Mobile Banking. In addition, your cell phone may have a password protection feature that
you can activate to lock your phone with an additional password.
Mobile phones with Internet capabilities are susceptible to viruses. It is
your responsibility to ensure that your equipment is protected
against and free from viruses, worms, Trojan horses, and any other harmful
components which could result in damage to programs, files, phones, or
interception of information by a third party. LBS Financial is not responsible for any indirect, special, or
consequential damages that may result from harmful hardware or software
components on equipment.
Mobile Banking is offered as a convenience to you and is included within our CU OnLine
services. Mobile Banking is not a
replacement to CU OnLine from your personal computer.
Additional Terms and Conditions
Union's Truth in Savings and Account Agreement which includes disclosures
applicable to Online Banking, Mobile Banking, your access and your password and
is incorporated herein by this reference as if set forth in full. You acknowledge receipt of the Credit Union's Truth in
Account Agreement. The terms and conditions of which are incorporated herein by
this reference. In the event any provision in the Truth in Savings and Account
Agreement conflicts with any provision in this Agreement, the parties agree that
this Agreement shall control. In your electronic communications with us, you
must use your User ID/Account Number and Password. You may then use the tools
provided by us. In addition, each deposit account or credit account that you
access using Mobile Banking, and each transaction made in such accounts using
Mobile Banking, remains subject to the general terms, conditions, and agreement
governing those accounts (e.g. as applicable, the Truth in Savings and Account
Agreement, Visa Credit Card Agreement, etc).
entitled to act upon instructions we receive with respect to the service under
your User ID/Account Number and Password and you are liable for all transactions
made or authorized with the use of your User ID/Account Number and Password. We have no responsibility for establishing the
identity of any person who
uses your User ID/Account Number and Password. You agree that if you give your User ID/Account Number and Password to
anyone or fail to safeguard its secrecy, you do so at your own risk.
Consumer Liability and Responsibility
that we shall not be responsible for any loss, property damage or bodily injury
arising out of or resulting from our failure to provide you with access to any
service, whether caused by the equipment, software, the Credit Union, Internet
services providers, Internet browsers, or the parties providing communication
services to or from us to you. We
are not liable for war, acts of government that may restrict or impair use of
the service, hurricanes, floods or other disasters, nor shall we be responsible
for any direct, indirect, special or consequential, economic or other damages
relating in any way to the foregoing.
us, the service used in conjunction with your User ID/Account Number and
Password, you authorize us to complete the transaction. Any requests or instructions we receive from you through the service
constitute writings with your signature as provided under all applicable law,
and shall have the same force and effect as a writing signed by you.
to service will be blocked in the event your User ID/Account Number and Password
are entered incorrectly on multiple attempts. If this happens, please call us at
to comply with these Terms and Conditions will result in you no longer being
allowed to use the service.
You understand the importance of your role in preventing misuse of your accounts
through the service and you agree to promptly examine your statement for each of
your accounts as soon as you receive it. You agree to protect the confidentiality of your account and account
number, and your personal identification information. Notwithstanding our
efforts to insure that the service is secure, you acknowledge that the Internet
is inherently insecure and that all data transfers, including electronic mail,
occur openly on the Internet and potentially can be monitored and read by others
You agree to
comply with all applicable laws, rules and regulations in relation with Mobile
Banking. We make no representation
that content or use of Mobile Banking is available for use in locations outside
the United States. Accessing from
locations outside of the United States is at your own risk.
Proper Use of Mobile Application
You agree not
to use the service or the content or information delivered through the service
any way that would (a) infringe any third party copyright, patent, trademark,
trade secret or other proprietary rights or rights of publicity or privacy; (b)
be fraudulent or involve gambling, involve the sale of counterfeit or stolen
items or use the service to impersonate another person or entity; (c) violate
any law, statute, ordinance or regulation; (d) be false, misleading or
inaccurate; (e) create liability for the Credit Union or its affiliates or cause
the Credit Union to lose (in whole or in part) the services of any third party
providers; (f) be defamatory, trade libelous, threatening or harassing (g)
interfere with or disrupt computer networks or infect the computer networks with
viruses; (h) interfere with or disrupt the use of the Service by any other
party; (i) use the Services in any manner to gain unauthorized entry or access
into the Credit Union's computer systems; or (j) resell or make any commercial
use of the Services.
Mobile Banking Service Availability
We cannot always foresee or anticipate technical or other difficulties with the Service.
These difficulties may result in loss of data, personalization settings
or other Service interruptions (e.g. due to geographic coverage not provided by
your mobile service provider, or in the case of disaster). Notwithstanding the terms
contained herein, with respect to the Service,
we do not assume responsibility for the timeliness, deletion, mis-delivery or
failure to store any user data, communications or personalization settings.
committed to keeping your information secure and confidential. To this end, these terms and conditions incorporate by this
Credit Union's privacy policies.
SMS Text Messaging:
also offers Members mobile access to their account information (e.g., for
checking balances and last transactions) via Short Message Service (SMS)
(commonly known as text messaging), via a mobile website to access online
banking, and via a downloadable mobile banking application (software).
data rates may apply.
For help with Text Messaging: Register your mobile device by visiting
www.lbsfcu.org> Once your mobile device is
registered, text the word "LBS HELP" to 21443 for additional information.
Text Messaging: Text the word "LBS STOP" to 21443 at any time. br>
In case of questions, please call us at 800.527.3328 or visit
text messaging requires identification of your account relationship with the
Credit Union as well as providing a mobile device number. You may discontinue
using this program at any time. In order to remain eligible for the Service, you
must remain a Member in good standing. We reserve the right to determine your
eligibility for the Service. The Service is limited to one Membership number per
mobile device number. Text messages will be sent to the registered mobile device
which initiated the text message request for account information. You agree to
provide a valid mobile device number. If this contact information changes, you
are responsible for visiting www.lbsfcu.org
and changing your mobile device information on file for text message banking
service. Additionally, you agree to
indemnify, defend and hold us harmless from and against any and all claims,
losses, liability, cost and expenses (including reasonable attorney's fees)
arising from your provision of a mobile device number that is not your own, your
violation of applicable federal, state or local law, regulation or ordinance, or
any other negligent or intentional action or inaction, and/or any breach of this
Agreement. Your obligation
under this paragraph shall survive termination of the Agreement.
The CU OnLine service is offered with no
fees or charges except that when you use it to perform a transaction (such as
stopping payment of a check) which would normally be subject to a fee had you
not used CU OnLine. You will be assessed the fee set forth in our Fee
Mobile Banking is a free service to Members enrolled in CU OnLine. However, you are responsible for any and all charges
imposed by your communications service provider, including but not limited to, fees associated
with text messaging. Message and data rates may apply. Check with your mobile carrier for more information.
CU OnLine transactions will be
reflected on monthly account statements mailed to you. If no electronic
transactions are made from a Regular Share/Savings Account, statements may be
Tell us at once if you
believe your CU OnLine and/or mobile banking password has been lost or
stolen or discovered by an unauthorized person. Telephoning is the best way to
keep your possible losses down. You could lose all the money in your accounts
(plus any available overdraft line of credit).
If you tell us within two
business days, you can lose no more than $50.00 if someone uses your password
without your permission.
If you do not tell us
within two business days after you learn of the loss or theft of your password
and we can prove we could have stopped someone from using CU OnLine
without your permission had you told us, you could lose as much as $500.00.
Also, if your statement
shows a transaction that you did not make, tell us at once. If you don't tell us
within 60 days after the statement was mailed to you, you may lose up to $50.00
of the unauthorized transactions, and more importantly, you may not get back
money you lost after the 60 days, if we can prove that we could have stopped
someone from taking the money had you told us in time.
If a good reason (such as a
long trip or hospital stay) kept you from telling us, we may extend the time
periods. If you authorize someone else to use your CU OnLine password,
you are responsible for all transactions which that person initiates at any
time, even if the amount of the transaction exceeds what you authorized.
If you believe your
password has been lost or stolen or that someone transferred or may transfer
money from your account without your permission, call us immediately at
800.527.3328 or write to us at the following address:
LBS Financial Credit Union
P.O. Box 4860
Long Beach, CA 90804-0860
The Credit Union's business
days are Monday through Friday, excluding holidays.
Credit Union Liability
If we do not make a transfer properly or on time,
we will be liable for any actual losses or damages you may suffer. However, we
will not be liable, for instance:
If through no fault of
ours, your account does not contain enough money (or sufficient collected
funds) to complete the transaction;
If the transaction
requested would exceed an unused credit limit;
If the CU OnLine
or Mobile Banking system was not working properly and you knew about the
breakdown when you started the transaction;
beyond our control (such as fire or flood or electrical failure) prevent the
transfer, despite reasonable precautions that we have taken;
If your CU OnLine
password has been lost or stolen and we have blocked the account;
If the funds in your
account are subject to an uncollected funds hold, legal process, or other
circumstances restricting such transaction or payment;
If the transaction
information supplied to us by you or by third parties (e.g., terminal
owners, affiliated networks, etc.) is incorrect or untimely;
If your CU OnLine / Mobile Banking password has been entered incorrectly;
You fail to properly
follow instructions on how to make a transfer;
There is a malfunction
in your personal computer, mobile device, Internet Service Provider, browser
If the failure to
complete the transaction is done to protect the integrity of the system or
to protect the security of your account;
There may be other
exceptions stated in state or federal statutes or regulations.
Information To Third Parties
We will disclose information to third parties about
your account or about transfers you make (1) where it is necessary to complete a
transfer; (2) in order to verify the existence and condition of your account for
a third party, such as a credit bureau or merchant; (3) in order to comply with
lawful procedures of a government agency or a court order, and (4) any time you
give us permission to furnish information about the account.
Restrictions on Use
You warrant and agree that you will not use, or
authorize the use of, the Services and Software for any illegal, fraudulent,
unauthorized or improper manner or purpose as determined by applicable laws,
rules and regulations. You agree that the Credit Union will not have any
liability, responsibility, or culpability whatsoever for any such use by you or
any authorized users. You further agree to indemnify and hold the Credit Union
harmless from any lawsuits, liability, damages or adverse action of any kind
that results directly from such illegal use. You agree that you will not attempt
to: (i) access any Software or Services for which your use has not been
authorized; or (ii) use or attempt to use a third party's account; or (iii)
interfere in any manner with the provision of the Services or Software, the
security of the Services or Software, or other Members of the Services or
Software, or otherwise abuse the Services or Software. The Credit Union and its
affiliates and service providers also reserve the right to monitor use of the
Services and Software for purposes of verifying compliance with the law, these
terms and conditions and any applicable license, but disclaim any obligation to
monitor, filter, or edit any content.
We reserve the right to cancel your CU OnLine
and/or Mobile Banking service in whole or in part, at any time with or without
cause and without prior written notice. We also reserve the right to temporarily
suspend CU OnLine and/or Mobile Banking access in situations deemed appropriate
by us, at our sole and absolute discretion, including when we believe a breach
of system security has occurred or is being attempted. Cancellation of the CU
OnLine and/or Mobile Banking service does not affect your obligations under this
Agreement for transactions that have been or will be processed on your behalf.
The Credit Union shall not be deemed to have waived
any of its rights or remedies hereunder unless such waiver is in writing and
signed by a Credit Union officer. No delay or omission on the part of the Credit
Union in exercising any rights or remedies shall operate as a waiver of such
rights or remedies or any other rights or remedies. A waiver on any one occasion
shall not be construed as a bar or waiver of any rights or remedies on future
You acknowledge receipt of this Disclosure and
Agreement by requesting activation of CU OnLine.
Change Of Terms
LBS Financial Credit Union reserves the right to
change the terms and conditions upon which these services are made available,
including a change in the charges for the services. When changes are made to any fees, charges, or other
material terms we will update this Agreement, and either send a notice to you at
the address shown on our records, or send you an electronic mail message
(email). The notice will be posted or sent at least thirty (30) days in advance
of the effective date of any additional fees for Internet transactions, or of
any stricter limits on the type, amount or frequency of transactions or any
increase in your responsibility for unauthorized transactions, unless an
immediate change is necessary to maintain the security of the system. If such a
change is made, and it can be disclosed without jeopardizing the security of the
system, we will provide you with electronic or written notice within (30) days
after the change. As always, you may choose to accept or decline changes by
continuing or discontinuing the accounts or services to which these changes
relate. We also reserve the option, in our business judgment, to waive, reduce
or reverse charges or fees in individual situations.
Protecting Your Account
Your role is extremely important in the prevention of any wrongful use of
your account. You must promptly examine your statement upon receipt. If you find
that your records and ours disagree, you must immediately call LBS Financial at
In addition to protecting your account information, you should take precautions to protect
your personal identification information, such as your drivers license, Social
Security Number, etc. This information by itself or together with information on
your account may allow unauthorized access to your account(s). It is your
responsibility to protect personal information with the same level of care that
you protect your account information.
Taking Care of Your Password
The password that is used to gain access to CU OnLine should be kept
confidential. For your protection we recommend that you change your password
regularly. We recommend 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 from your
account without your permission, notify LBS Financial at once at 800.527.3328.
NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU VIA TELEPHONE
OR EMAIL REQUESTING PERSONAL INFORMATION, YOUR ACCESS ID, OR YOUR PASSCODE. IF
YOU ARE CONTACTED BY ANYONE REQUESTING THIS INFORMATION, PLEASE CONTACT US IMMEDIATELY.
The Service uses the Secure Socket Layer (SSL) encryption technology for
everything you do while using CU OnLine/Mobile Banking. Your browser and
the Mobile Banking application automatically activates this technology when it
attempts to connect to our Service. The Service requires a browser that
supports 128-bit encryption. The Service will warn you if your browser does not
meet this requirement.
Whenever SSL is securing your communications, the
browser will typically indicate this secure session by changing the
appearance of a small icon of a padlock at the bottom of the screen from "open"
to "locked". What this means to you is that your communications are scrambled
from your browser to our servers at all times so no unauthorized party can read
the information as it is carried over the Internet.
The servers hosting the service have been certified by a Certificate Authority
to assure you that you are actually talking to the service instead of someone
pretending to be us. If you are using an older browser you will see that the
Certificate Authorities key may have expired; you will need to update your
During your use of the service, our CU
OnLine Service will pass an encrypted cookie to your computer/mobile
device in order to identify your computer during the session. This cookie
enables us to process multiple transactions during the session without having to
provide an Access ID and Passcode for each individual transaction. Users
must accept this cookie to use the service. This cookie does not contain
any personal information; it simply provides another level of security for our
CU OnLine product. The cookie is stored on your computer's hard-drive,
identifying your computer while you are logged on. When you log off, close
your browser, or turn off your machine, the cookie will be destroyed. A
new cookie is used for each session; thus, no one can use the prior cookie to
access your account.
Additional Security Guidelines:
All Authorized Users should sign-off after every
service session; however, online sessions will automatically end after ten
(10) minutes of inactivity. This is to protect you in case you accidentally
leave your computer unattended after you log-in.
The security of public computers
(e.g. in a library, or Internet café)
cannot be assured; therefore we recommend that you refrain from accessing
the Service on a public computer.
Routinely scan your computer, servers, and electronic
media using a reliable virus detection product. Undetected or un-repaired
viruses may corrupt and destroy your programs, files, and even your
hardware. Additionally, you may unintentionally transmit a virus to other
Use a firewall product (hardware and/or software),
especially if you have a broadband Internet connection such as DSL or cable
Periodically update your computer/mobile device
operating system and browser for critical security related patches. We
recommend use of the most current, fully patched, versions of Internet
browsers for accessing the Service.
Your Passcode Responsibilities
When you accept the terms and conditions of this
Agreement, you agree not to give or make available your passcode or other means
to access your account to any unauthorized individuals. You are
responsible for all transfers and bill payments you authorize using the service.
If you permit other persons to use the service, your passcode, or other means to
access your account, you are responsible for any transactions they authorize.
If you or your Authorized users disclose your Passcode to anyone,
and/or if you allow someone to use your Passcode to access your accounts, you
are authorizing them to act on your behalf and you will be responsible for any
use of the Service by them.
In addition to the security features described
above, there may be other security related notices posted on our website or the
service from time-to-time. It is your responsibility to read all security
Exclusions of Warranties and Limitation of Damages
THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED
"AS IS", "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR
IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF
MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
NOTWITHSTANDING OUR EFFORTS TO ENSURE THAT THE SERVICE IS SECURE, WE CANNOT AND DO NOT WARRANT THAT ALL DATA TRANSFERS VIA
THE SERVICE WILL BE FREE FROM MONITORING OR ACCESS BY OTHERS.
YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER/MOBILE DEVICE. NEITHER THE
CREDIT UNION NOR ITS SERVICE PROVIDERS SHALL NOT BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, OR FAILURES THAT OCCUR AS
A RESULT OF ANY MALFUNCTION OF YOUR COMPUTER OR SOFTWARE.
THE FOREGOING SHALL
CONSTITUTE LBS FINANCIAL credit union AND ITS SERVICE PROVIDER'S ENTIRE
LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL LBS FINANCIAL
credit union or its service providers BE LIABLE FOR ANY DIRECT, INDIRECT,
SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS
or attorneys fees(EVEN IF ADVISED
OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR
MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR YOUR USE OF THE SERVICE.
You may not assign this Agreement to any other
party. We may assign this Agreement in our sole discretion. We may also assign or
delegate certain of our rights and responsibilities
under this Agreement to independent contractors or other third parties.
The Credit Union and its Service Providers shall
not be deemed to have waived any of our rights or remedies hereunder unless such
waiver is in writing and signed by us. No delay or omission in exercising
any rights or remedies shall operate as a waiver of such rights or remedies or
any other rights or remedies. A waiver on any one occasion shall not be
construed as a bar or waiver of any rights or remedies on future occasions.
This Agreement shall be governed by and construed
in accordance with federal laws and the laws of the State of California, without
regard to its conflicts of laws provisions.
UNLESS OTHERWISE REQUIRED BY LAW, WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY THE SERVICE. NOR SHALL WE BE
RESPONSIBLE FOR ANY LATE FEES, DIRECT, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OR MAINTENANCE OF THE SERVICE.
THE SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO
THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE OR WARRANTIES OF MERCHANTABILITY.
You agree to
indemnify, defend, and hold the Credit Union harmless (by Counsel of Credit
Union's choosing) from and against any and all claims, actions, damages,
liabilities, costs, and expenses, including reasonable attorneys' fees and
expenses, arising out of your use of the Service, any negligent or intentional
action or inaction, and/or any breach of this Agreement. The parties agree that
this paragraph shall survive the termination of
IN CASE OF ERRORS OR
QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS
E-mail us at
Or telephone us at
562.598.9007, 714.893.5111 or 800.527.3328
Or write us at
LBS Financial Credit Union
Contact us as soon as
possible if you think your statement or receipt is wrong, or if you need more
information about a transaction listed on the statement or receipt. We must hear
from you no later than 60 days after we sent the FIRST statement in which the
problem(s) or error(s) appeared.
PO Box 4860
Long Beach, CA 90804-0860
When you contact us:
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
will 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 we will correct any error promptly. If
we need more time, however, we may take up to 45 calendar 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 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 choose not to provisionally
credit your account during the additional time that may be required to
investigate your complaint or question.
Exception: We have up to
twenty (20) business days to provisionally credit your account if the notice of
error involves an electronic funds transfer to or from an account within thirty
days after the first deposit to the account was made (i.e. new account). For new
account transactions, or foreign-initiated transactions, or resulting from
point-of-sale debit card transactions (including all debit card transactions,
those for cash only, at merchants POS terminals, and also including mail and
telephone orders), we may take up to 90 calendar days to complete our
If we decide there was no
error, we will send you a written explanation within three business days after
we finish our investigation. You may ask for copies of the documents that we
used in our investigation.