RCU eBranch Consumer Agreement
And Disclosures

I. Introduction

II. Accessing Your RCU Accounts through RCU eBranch
  1. Requirements
  2. Electronic Mail (email)
  3. Fees
  4. New Services
  5. Benefits of Using RCU eBranch

III. Terms and Conditions
  1. Your Online Authorization Information
  2. Payment Account
  3. Our Liability
  4. Overdrafts: Order of Payments, Transfers, and Other Withdrawals

IV. General Terms
  1. Right to stop payments
  2. Limitations on Dollar Amount of Transfers
  3. Limitations on Frequency of Transfers
  4. Changes to Charges, Fees, or Other Terms
  5. Disclosures of Account Information
  6. Questions on Error Correction on RCU eBranch Transactions
  7. Other General Terms

V. Protecting Your Account
  1. Preventing Misuse of Your Account
  2. Unauthorized Transactions on Your RCU accounts
  3. Security Alerts

VI. RCU Credit Card Account Access
  1. Using the Service
  2. Electronic Mail (email)
  3. Credit Card Payments



I. Introduction

This Online Access Agreement ("Access Agreement") for accessing your RCU accounts through RCU eBranch explains the terms and conditions governing the Online banking services offered through RCU eBranch. By using RCU eBranch, you agree to the terms and conditions of this Access Agreement. This Online Access Agreement will be governed by and interpreted in accordance with Federal law and regulation, and to the extent there is no applicable Federal law or regulation, by the laws of the State of Wisconsin. The terms "we," "us," "our," "RCU," and "credit union" refer to RCU. "You" refers to each signer on an account. The term "business days" means Monday through Friday, excluding RCU observed holidays.

The Electronic Fund Transfer Act and Regulations require that we disclose pertinent information to you about EFT's to or from your account. By EFT's within this document, we mean preauthorized transactions to and from your account with us or by means of your RCU ePay, Electronic Check Conversion, or RCU eBranch.

RCU eBranch can be used to access RCU accounts. Each of your accounts at RCU is also governed by the applicable account disclosure statement ("Deposit Agreement and Disclosure"). There is a separate enrollment process and disclosure statement for ePay ("RCU Consumer ePay Terms and Conditions").


II. Accessing Your RCU Accounts through RCU eBranch

A. Requirements
To access your accounts through RCU eBranch, you must have an RCU account, online authorization information, and an email address must be provided and kept current.

B. Electronic Mail (email)
Mail Box: Sending secure electronic mail (email) through the Mail Box within RCU eBranch is a way to communicate with RCU. The Mail Box is provided for you to ask questions about your account(s) and provide general feedback. Email is accessible after you sign on to a session of RCU eBranch. To ensure the security of your account information, we recommend that you use the email feature provided within RCU eBranch (Mail Box) when asking specific questions about your account(s).

Third Party email: A third party email address (email address) must be provided and kept current to access eBranch. Third party email providers include internet service providers who also offer email services, web email, or your place of business. This form of electronic mail (email) is not a secure method of communicating with RCU. Do not send specific account information through your third party email. RCU may communicate non-secure information to you using the email address you provide.

You cannot use email to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within RCU eBranch or call RCU Member Service at 715-833-8111 or 1-800-341-9911.

C. Fees
There are no monthly or transaction fees for accessing your account(s) through RCU eBranch.

Please note that fees may be assessed by your online service provider.

D. New Services
RCU may, from time to time, introduce new online services. We will notify you of any new services. By using these services when they become available, you agree to be bound by the rules communicated to you concerning these services.

E. Benefits of Using RCU eBranch
With RCU eBranch, you can manage your personal accounts from your home or office on your personal computer or web-enabled mobile device or text messaging on your mobile phone. You can use RCU eBranch to:


III. Terms and Conditions

The first time you access your RCU accounts through RCU eBranch you agree to be bound by all the terms and conditions of this Agreement, and this acknowledges your receipt and understanding of this disclosure.

A. Your Online Authorization Information
Your online authorization information includes an online password and security images.

You will be given an Online Password that will be required to access your RCU accounts within RCU eBranch. This password can be changed within RCU eBranch using the options button. We recommend that you change your password regularly.

RCU will act on instructions received under your online authorization information. For security purposes, it is recommended that you memorize your online authorization information and do not write it down. You are responsible for keeping your online authorization information, account numbers, and other account data confidential.

B. Payment Account
Although there are no fees for accessing your accounts through RCU eBranch, you may be asked to designate a payment account for selected services such as ePay. You agree to promptly pay 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 RCU and identify a new payment account for the selected services. Additionally, if you close all RCU accounts, you must notify RCU Member Service to cancel the RCU eBranch services.

Your online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. After cancellation, RCU eBranch services 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 RCU Member Service at 715-833-8111 or 1-800-341-9911.

If you do not access your RCU accounts through RCU eBranch for any (6) six month period, RCU reserves the right to disconnect your service without notice. Please note that your ePay and online scheduled transfer information will be lost if you are disconnected. You can enroll again at any time to re-activate these services.

You agree to be responsible for any Internet access charges, wireless access charges, or text messaging fees incurred by accessing your RCU accounts through RCU eBranch.

If you wish to cancel any of the RCU eBranch services offered through RCU eBranch, please contact RCU Member Service at 715-833-8111 or 1-800-341-9911 or send us cancellation instructions in writing to RCU, PO Box 970, Eau Claire, WI 54702-0970.

C. Our Liability
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, RCU, or by Internet browser providers, such as Microsoft Corporation (Microsoft Internet Explorer browser) and Mozilla Foundation (Mozilla Firefox browser), or by Internet access providers or by online service providers, wireless carriers, 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 online financial services, or Internet browser or access software.

D. Overdrafts: Order of Payments, Transfers, Other Withdrawals
If your account has insufficient funds to perform all electronic funds transfers (ATM withdrawals, pre-authorized transactions, RCU eBranch transfers and ePay, etc.) that you have requested for a given date, then:

In addition, you will be charged the same overdraft charges that apply to your account.

E. Hours of Accessibility
You can access your RCU accounts through RCU eBranch seven days a week, 24 hours a day. However, at certain times, some or all of RCU eBranch may not be available due to system maintenance. You will be notified online when this occurs.

Immediate transfers will take place immediately. All immediate transfers that are completed before 8:00 pm Monday through Sunday except RCU observed holidays will have a post date of the same day. Any immediate transfers completed after 8:00 pm will be posted on the next day. Any immediate transfers completed on an RCU observed holiday will post on the next day.

All scheduled transfers that are scheduled to occur on a future date of a Monday through Sunday or RCU observed holiday, will process on the selected date at 8:30 am and all will post on the selected date except for RCU observed holidays which will post on the next day.

Any recurring transfer where the initial transfer is scheduled to process that day, will have the initial transfer process immediately and follow the rules of immediate transfers. The subsequent transfers in the recurring transfer schedule will follow the rules of scheduled transfers.

F. Additional Terms and Conditions
Obtaining Account Balance and Transaction History - You can obtain balance and transaction history on all eligible accounts. Current balance and activity information is available, at minimum, as of the close of the previous day.

Transferring Funds - If a hold has been placed on deposits made to an account from which you wish to transfer funds, you cannot transfer the portion of the funds held until the hold expires.


IV. General Terms

A. Right to Stop Payment
If you have told us in advance to make regular payments out of your account, you can stop any of these payments in the following ways:

Online Check Stop Payments - To place an online check stop payment, use the Stop Payment feature of eBranch which will process the stop payment immediately. The fee for placing a stop payment is listed in the Special Service Charges disclosure and will be assessed to the checking account for which the stop payment was placed within 24 hours. If the funds are not available at the time the charge is assessed, the stop payment will be removed from the account and RCU will not be liable for payment of the check. You are not permitted to stop payment on any purchase, withdrawal, payment or transfer originated by use of the RCU Credit Card, Check Card, ATM Card, eBranch Immediate Transfers, CompuTeller Transfers, or preauthorized drafts, and RCU has no obligation to honor any such stop payment request by you. If RCU does not have a reasonable time to act on a stop payment before RCU has accepted the item, or before RCU has paid the item in cash, or before the item has been deposited or received for deposit for credit in an account of a customer with the payor bank, then RCU may be entitled to enforce payment of the item against the drawer. Due to sorting or routing, the check may have already been accepted by RCU and RCU may be unable to determine this until two days after acceptance. In this instance days are defined as weekdays, excluding RCU observed holidays.

Member Service - To place a stop payment, call RCU's Member Service Department at 715-833-8111 or toll free at 1-800-341-9911, or write us at 200 Riverfront Terrace, PO Box 970, Eau Claire, Wisconsin, 54702-0970 in time for us to receive your request 3 business days or more before payment is scheduled to be made. If you call, we may also require you to put your request in writing. The fee for placing a stop payment is listed in the Special Service Charges disclosure. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled and we do not do so, we will be liable for your losses or damages. You are not permitted to stop payment on any purchase, withdrawal, payment or transfer originated by use of the RCU Credit Card, Check Card, ATM Card, eBranch Immediate Transfers, or CompuTeller Transfers, and RCU has no obligation to honor any such stop payment request by you.

eBranch Scheduled Transfers - to cancel a payment or transfer that is scheduled for a future date on eBranch, you must delete the transfer on eBranch the day prior to the processing date.

B. Limitations on Dollar Amount of Transfers
You may make transfers between your accounts on RCU eBranch up to the amount of the available balance in your account. There are no limitations on the dollar amount you can transfer on RCU eBranch.

C. Limitations on Frequency of Transfers
There are no limitations on the number of CompuTeller, or RCU eBranch transfers. However, in compliance with Regulation D of the Federal Reserve Board, you are limited to six transactions per month from each of your savings or Money Market accounts without your physical presence at a branch or ATM. This includes but is not limited to transactions by means of eBranch, CompuTeller, check, preauthorized payments to a third party, telephoning Member Service, or by automatic transfer due to insufficient funds.

D. Changes to Charges, Fees or Other Terms
We reserve the right to change the charges, fees, or other terms described in this Agreement. However, when changes are made to any fees or charges, we will notify you online, 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 online 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 thirty (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. Changes to fees applicable to specific accounts are governed by the applicable Deposit Agreement and Disclosure.

E. Disclosure of Account Information
You understand that in addition to information furnished pursuant to legal process, some information about your accounts may automatically be disclosed to others. For example, the tax laws require disclosure to the government of the amount of the interest you earn, and some transactions, such as certain large currency and foreign transactions, must be reported to the government. The Bank may also provide information about your account(s) to persons or companies RCU believes would use the information for reasonable purposes, such as when a prospective creditor seeks to verify information you may have given in a credit application or a merchant calls to verify a check you have written. In addition, RCU routinely informs a credit bureau when accounts are closed by RCU because they were not handled properly. RCU may also seek information about you from others, such as a credit bureau, in connection with the opening or maintaining of your account. You authorize these transfers of information.

F. Questions on Error Correction on RCU eBranch Transactions
In case of questions or errors about RCU eBranch funds transfers through RCU eBranch involving your account, here is what you should do:

Here's what we will do:
We will tell you the results of our investigation within ten (10) business days or twenty (20) business days in the case of point of sale purchases, after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days or ninety (90) days in the case of point of sale or international transactions, to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10) business days or twenty (20) business days in the case of point of sale or international transactions 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 ten (10) business days, we will not credit your account. If we determine that there was no error, we will send you a written explanation within three (3) business days after we finish our investigation and debit the amount of the error that we previously credited. You may request copies of the documents that we used in our investigation.

If we do not complete a transfer to or from your RCU account on time or in 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, for instance:

G. Other General Terms
Other Agreements - In addition to this Agreement you agree to be bound by and will comply with the requirements of the applicable Deposit Agreement and Disclosure, RCU's rules and regulations, the rules and regulations of any funds transfer system to which RCU belongs, and applicable State and Federal laws and regulations. We agree to be bound by them also.

RCU reserves the right to terminate this Agreement and your access to RCU eBranch, in whole or in part, at any time without prior notice.


V. Protecting Your Account

A. Preventing Misuse of 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 RCU Member Service at 715-833-8111 or 1-800-341-9911.

Protecting Personal Information - In addition to protecting your account information, you should also take precautions to protect your personal identification information, such as your driver's 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 Online Authorization Information - The authorization information that is used to gain access to RCU eBranch should also be kept confidential. For your protection, we recommend that you change your online password regularly. It is recommended that you memorize this online authorization information and do not write it down.

You are responsible for keeping your online authorization information, account numbers, and other account data confidential. If you believe that your online authorization information may have been lost or stolen or that someone has transferred or may transfer money from your account without your permission, notify RCU Member Service at 715-833-8111 or 1-800-341-9911.

B. Unauthorized Transactions in Your RCU Accounts
Notify us immediately if you believe another person has improperly obtained your online authorization information. Also, notify us if someone has transferred or may transfer money from your account without your permission or if you suspect any fraudulent activity on your account. Only reveal your account number to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). To notify us, call RCU Member Service at 715-833-8111 or 1-800-341-9911 or write to RCU at PO Box 970, Eau Claire, WI 54702-0970.

If your online authorization information has been compromised and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your online authorization information without your permission to access an RCU deposit account. If you do NOT tell us within two (2) business days after you learn of the loss or theft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.00.

Also, if your statement shows withdrawals, transfers, or purchases that you did not make or authorize, please notify us immediately. If you do not notify us within sixty (60) days after the statement was made available to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, the time periods in this section will be extended.

C. Security Alerts
RCU will send security alerts as a third party email message to the email address you provide. Security alerts will include notification when your password has changed. Notify us immediately if you believe another person has improperly obtained your online authorization information.


VI. RCU Credit Card Account Access

A. Using the Service
Your consent covers all of the transactions you conduct online, including without limitation, any transactions you may conduct under the online credit card account access service. Your consent will be effective for as long as you remain a subscriber to this service.

B. Electronic Mail (Email)
In order to ensure that we are able to provide you with important notices and other information from time to time, you must update us with any change in your email address. You can change your email address from within eBranch by navigating to the Options page and following the prompts.

C. Credit Card Payments
Payments using the credit card account access service must be submitted by 4:00 p.m. CST in order for your payment to be posted to your credit card account with today's date. Payments made using the eBranch Transfer feature must be completed by 5:00 p.m. CST Sunday through Friday (except Holidays) to be posted with today's date. Although your payment will be credited to your account today, you should allow at least three business days before the payment is reflected in your available credit. If your payment is not received by the due date on your statement, the account will be subject to the fees and finance charges as described in your Cardholder Agreement.