Disclosures

Reqiured by Federal Law
ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT Please read this Electronic Records Disclosure and Agreement carefully and keep a copy for your records.

  • Unity One Credit Union - USA Patriot Act USA PATRIOT ACT - Customer Identification Program - Effective October 1, 2003

    In accordance with section 326 of the USA Patriot Act, Unity One Credit Union is required by Federal Law to obtain, verify, and record information that identifies each person who opens an account or is being added as a signatory to a new or existing account. In some cases, identification will be requested for those banking with us prior to the effective date of the customer identification requirements because original documentation was not obtained with the opening of the accounts.

    What this means for you: When you open an account or are going to be added as a signatory to 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. In all cases, protection of our member's identity and confidentiality is the Credit Union's pledge to you.

Complaint Notification

If you have a problem with the services provided by the credit union, please contact us at:

Unity One Credit Union
6701 Burlington Blvd.
Fort Worth, TX 76131
(800) 628-5517

This credit union is incorporated under the laws of the State of Texas and under state law is subject to regulatory oversight by the Texas Credit Union Department. If any dispute is not resolved to your satisfaction, you may also file a complaint against the credit union by contacting the Texas Credit Union Department through one of the means indicated below:

  • In person or by U.S. mail: 914 East Anderson Lane, Austin, Texas 78752-1699
  • Telephone: (512) 837-9236
  • Website: www.cud.texas.gov.

Your Right to Request Certain Credit Union Documents Upon request, members can review and receive a copy of the most recent version of the following credit union documents:

  • Balance sheet and income statement
  • Summary of the most recent annual audit completed
  • Written board policy regarding access to the articles of incorporation, bylaws, rules, guidelines, board policies and copies, thereof
  • Internal Revenue Service Form 990

Any of the information above can be requested in person at one of our branches or if you would prefer to send a written request, please send requests to:
Unity One Credit Union
Attn: Compliance Office
6701 Burlington Boulevard
Fort Worth, TX 76131

If requesting to open a checking or savings account: Electronic Copy of Related Disclosures, Agreements and Instructions. In order to speed up the deposit account application process, with your consent, we will provide you with the following information electronically, rather than by postal mail or in person:

  • A deposit account application and all related account disclosures required by applicable federal and state law for the deposit product you have selected
  • Instructions for signing and returning the account signature card
  • Information and instructions about any additional services that you select during the application process.
  • Your Consent is Required. You must consent to receiving the related legal disclosures, agreements, signature card and instructions before we can provide them to you electronically. Your consent will only apply to the deposit product you have selected, the related legal disclosures, agreements, account signature card and the instructions, and you will not be consenting to receiving other electronic records or disclosures at this time.
  • Paper Copy of Disclosures, Agreements and Instructions. If you do not want to receive the legal disclosures, agreements and the instructions electronically, you should exit this area of our web site. If you do not consent to receiving an electronic copy of the related legal disclosures, agreements and the instructions, we will not be able to open the deposit account via our website. You may visit any of our locations and speak with a financial services representative. A list of our locations may be found at our Web site. If you consent to receive the disclosures, agreements and instructions electronically, you can also request a paper copy of the related legal disclosures, agreements and instructions by contacting our Customer Contact Center by phone at the number listed on our Web site. We will not charge you any fees for providing a paper copy of the disclosures, agreements and instructions.

System Requirements to Access the Information. To receive an electronic copy of the requested file, you must have the following equipment and software:

  • You must have a personal computer or other access device, which is capable of accessing the Internet (e.g., you must have a modem and available phone line, a cable Internet connection or some other means of access to the Internet, and you must have an active account with an Internet service provider). Your access to this page verifies that your system meets these requirements.

  • You must have an Internet web browser which is capable of supporting 128- bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 or Netscape Navigator® version 4.73, and your system must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software meet these requirements.

  • You must have software which permits you to receive and access Portable Document Format or "PDF" files, such as Adobe Acrobat Reader® version 5.1 or higher (available for downloading at http://www.adobe.com/products/acrobat/readstep2.html). Your access to this page verifies that your system has the necessary software to permit you to receive and access PDF files.

  • System Requirements to Retain the Information. To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive or a floppy diskette) or print PDF files. In order to sign and return the deposit account signature card, you must be able to print them. You must have a functioning printer connected to your personal computer or other access device, which is able to print the signature card, the related disclosures, agreements, and the instructions on plain white 8½ x 11 inch paper.

Unity One Credit Union Terms, Conditions, And Disclosures For Internet Express Online Home Banking Services

TABLE OF CONTENTS

  • I. Computer Equipment and Software
  • II. New Services
  • III. Safeguarding Your Security Code and Personal Identification Numbers
  • IV. Customer Service Information
  • V. Statements
  • VI. Charges
  • VII. Terms, Conditions and Disclosures That Apply Only to Personal Accounts
  • VIII. Terms, Conditions and Disclosures That Apply Only to Business Accounts
  • IX. Contact in the Event of Unauthorized Transfer
  • X. Our Business Days
  • XI. Confidentiality
  • XII. Preauthorized Payments
  • XIII. Additional Terms, Conditions and Disclosures
  • XIV. Account Access Service
  • XV. Bill Paying Service
  • In these TERMS, CONDITIONS, AND DISCLOSURES, the words "we", "us", and "our" refer to Unity One Credit Union. The words "you" and "your" refer to each person or business applying for home banking services and each account owner or other person authorized to transact business on any Unity One Credit Union account which may be accessed by way of the Unity One Credit Union Internet Express Online Home Banking Services (the "Services"). By using the Services or by authorizing anyone else to use the Services, you agree to these Terms, Conditions, and Disclosures and you authorize us and any third party acting on our behalf to serve as your agent in processing payments to targeted merchants, and making transfers to and from targeted accounts pursuant to your payment and transfer instructions. Your authorization will remain in effect until revoked by either you or us in writing. If you revoke your authorization, the revocation will not be effective until we have received your written revocation and we have had a reasonable time to act on it. In addition to these Terms, Conditions, and Disclosures, your use of the Services is subject to and governed by the Unity One Credit Union Deposit Agreement and Disclosures including our Electronic Funds Transfer Services Agreement and Disclosures. Please refer to those agreements and the provision which appears below for important information about your obligation to safeguard your Security Code.

    I. Computer Equipment and Software You will need computer hardware and software sufficient to enable you to access the Internet. You will need to have an Internet service provider and a browser that is SSL compliant which includes Microsoft® Internet Explorer 5.X or greater or Netscape® Navigator 4.X or greater. Both browsers are available for download from the Internet Express Online Home Banking Services web site. We are not responsible for any loss, damage or injury, whether caused by your equipment or software, the Services, or any technical or editorial errors contained in or omissions from any user guide related to the Services. We will not 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 or the Services, except where the law requires a different standard.

    II. New Services We may, from time to time, introduce new Services or enhance the existing Services. We will notify you when these new or enhanced Services are available. By using these Services when they become available, you agree that they will be governed by these Terms, Conditions, and Disclosures as well as any additional terms, conditions, and disclosures we provide to you.

    III. Safeguarding Your Security Code and Personal Identification Numbers When you use the Services, you will have access to your Accounts via the Internet utilizing a user defined Security Code. Internet Express Online Home Banking may also be accessed through "Express Online" if you subscribe to that Service with us. In that event, the Internet Express Online Home Banking Services will be available by using the "Express Online" username and password. If you subscribe to "Express Online" as well as the Internet Express Online Home Banking Services, anyone to whom you disclose your "Express Online" password will have access to any Account that you could access through your use of the Services. First time registration for "Express Online" can be done by anyone to whom you have disclosed your Unity One Credit Union ATM Personal Identification Number (PIN).

    It is your responsibility to safeguard your Security Code, "Express Online" password, and Unity One Credit Union ATM PIN. You agree to notify us immediately and to change your Security Code, "Express Online" password, and Unity One Credit Union ATM PIN if you believe that either has been lost, stolen, or if you believe an unauthorized person knows your Code, PIN or password. You agree to take measures at all times to prevent any person from having access to your Security Code, "Express Online" password, and Unity One Credit Union ATM PIN other than those to whom you provide your Express Online authorization. If you provide your Security Code, "Express Online" password, or Unity One Credit Union ATM PIN to any other person, you agree that you will instruct them to keep them strictly confidential. Any person having access to your Security Code, "Express Online" password, or your Unity One Credit Union ATM PIN will be able to access the Services and perform all transactions including reviewing account information and making transfers to other accounts and to other persons. Throughout the remainder of these Terms, Conditions and Disclosures, the term "Security Code" means not only your Security Code and your Unity One Credit Union ATM PIN but also your "Express Online" password if you have subscribed to "Express Online."

    IV. Customer Service Information Questions, other than questions about bill payment problems, should be directed to Unity One Credit Union (800) 628-5517 during business hours of 9:00 AM to 6:00 PM, Monday through Friday. Mail may also be addressed to:

    Unity One Credit Union Attn: Internet Home Banking Department 6701 Burlington Blvd Fort Worth, Texas 76131

    Or you may send an e-mail to Unity One Credit Union or Electronic Banking Service (EBS) direct from the Internet Express Online Home Banking web site.

    V. Statements All payments and transactions made via the Services will be listed on your monthly account statement (the "Statement") that you receive from us.

    VI. Charges Under certain circumstances, you may be charged a fee for special Service(s). If a fee is charged, we will assess the charges against your Checking Account or against your Share Account or Privilege Pay service if there are insufficient funds in your Checking Account at the time that the fee is assessed. You will not be charged any monthly fee for accessing your account through Express Online Banking.

    VII. Terms. Conditions, and Disclosures that apply only to Personal Accounts A. What is a "Personal" Account? A personal account is one held by a natural person, which is established primarily for personal, family or household purposes. You represent and agree that any account which you may establish with us in the name of a sole proprietorship, a corporation, a partnership, a limited liability company, an association, a club, or similar non-natural person entity is not established for personal, family, or household purposes.

    B. Your Liability for Unauthorized Transfers If you believe your Security Code has been lost, stolen or compromised, telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit, if any). If you tell us within two business days, you can lose no more than $50 if someone used your Security Code without your permission.

    If you do NOT tell us within two business days after you learn of the loss or theft of your Security Code and we can prove we could have stopped someone from using your Security Code without your permission if you had told us, you could lose as much as $500.

    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 time.

    If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

    C. Our Liability Liability for failure to make transfers. If we do not complete a transfer to or from your 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:

    • If you do not obtain Confirmation at the time you initiate a transfer or payment.
    • If, through no fault of ours, you do not have enough money in your Account to make the transfer or payment
    • If the transfer would go over the credit limit on your Unity One Credit Union Line-of-Credit (LOC) (if approved).
    • If the Services, your equipment, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction.
    • If circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.
    • Additional exceptions, which apply to your Express Bill Pay Service, are disclosed in the Express Bill Pay Service section of these Terms, Conditions, and Disclosures.
    • There may be other exceptions stated in our agreement with you.
    • See the Special Rules for Business Accounts below for information concerning our liability for electronic funds transfers to and from Business Accounts.

    D. Error Resolution Notice In case of errors or questions about Internet Express Online Home Banking Transfers, call: (800) 628-5517 or write:

    Unity One Credit Union
    6701 Burlington Blvd
    Fort Worth, Texas 76131
    ATTN: Internet Home Banking Department

    As soon as you can, if you think your statement is wrong or if you need more information about a transfer listed on the statement. We must hear from you no later than sixty (60) days after we send you the FIRST statement on which the problem or error appeared.

    (a) Tell us your name and account number (if any).
    (b) 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.
    (c) 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 ten (10) business days.

    We will determine whether an error occurred within ten (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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (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 ten (10) business days, we may not credit your account.

    For errors involving new accounts we may take up to 90 days to investigate your complaint or question, and we may take up to 20 business days to credit your account for the amount you think is in error.

    We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

    If there is an error on an electronic transfer made through Express Online Bill Pay Service, contact Customer Service at 800-628-5517 for error resolution.

    VIII. Terms, Conditions, and Disclosures that Apply to Only Business Accounts A. What is a "Business" Account? A business account is an account that is established by a sole proprietorship, a corporation, a partnership, a limited liability company, an association, a club, or similar non-natural person entity. You acknowledge and agree that any account established by any such entity shall be for business purposes only and shall not be for personal, family or household use.

    B. Your Security Code and Your Liability for Unauthorized Transfers You acknowledge and agree that it is your responsibility to notify us in writing of any possible unauthorized use of your Security Code. Your limited liability for unauthorized transfers on personal accounts will not apply to transfers made to or from Business Accounts. You agree that losses from the unauthorized use of your Security Code on your Business Accounts will be your sole responsibility and that we are not liable for any such losses under any circumstances. From time to time, we may communicate with you and others authorized to use your account or your Security Code. Those communications may include your Security Code. We will send those communications to your address as reflected in our records, and you agree that we will have no liability to you or to any other person if our communication to you is stolen or otherwise intercepted by any person at any time.

    You acknowledge and agree that the procedures and instructions set out in these Terms, Conditions and Disclosures, and our Deposit Agreement and Disclosures including our Electronic Funds Transfer Services Agreement and Disclosures, regarding the security and safekeeping of your security code, and the security of home banking transactions in general, are commercially reasonable and you agree to be bound by and to comply with those procedures and instructions. Authorizations given to other persons will be considered unlimited in amount and manner until you notify us and we have had a reasonable opportunity to act on your notification.

    C. Our Liability If we allow a payment or transfer to be made in an amount in excess of the amount you instructed, our liability to you will be limited to the amount erroneously transferred or paid. You agree that, prior to reimbursing you, we may first make reasonable efforts to recover amounts erroneously transferred or paid from the transferee. In the event that we allow a transfer or payment to be made in an amount that is less than the amount you instructed, or if we delay or fail altogether to make a transfer or payment in keeping with instructions we receive from you, our sole liability shall be to make the payment or transfer in keeping with your prior instructions within a reasonable time. Under certain circumstances, we will have no liability whatsoever if we do not complete a transfer to or from your account on time or in the correct amount. We will NOT be liable, for instance:

    • If you do not obtain Confirmation at the time you initiate a transfer or payment.
    • If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.
    • If the Services, your equipment, the software, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction.
    • If circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.
    • Additional exceptions, which apply to your Express Bill Pay service, are disclosed in the Express Online Bill Pay service section of these Terms, Conditions, and Disclosures.
    • There may be other exceptions stated in our agreement with you.
    • If the Services are inaccessible for reasonable maintenance.

    IN NO EVENT WILL WE BE LIABLE FOR ANY LOSS, INJURY OR DAMAGES IN EXCESS OF THE FOREGOING, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL, INCLUDING LOST PROFITS OR ATTORNEY'S FEES.

    IX. Contact in Event of Unauthorized Transfers If you believe your Security Code has been lost or stolen, you should change your Security Code on your Internet Express Online Home Banking account immediately.

    If you believe that someone has transferred or may transfer money from your account without your permission, call: (800) 628-5517 or write

    Unity One Credit Union
    6701 Burlington Blvd
    Fort Worth, Texas 76131
    ATTN: Internet Home Banking Department
    For business accounts, written notification is required.

    X. Our Business Days Our business days are Monday through Friday. Holidays observed by Unity One Credit Union are not included.

    XI. Confidentiality We will disclose information to third parties about your account or the transfers you make; (i) where it is necessary for completing transfers, or (ii) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or (iii) in order to comply with government agency or court orders, or (iv) if you give us your written permission.

    XII. Preauthorized Payments 1. Right to Stop Payment and Procedure for Doing So. If you have set up regular payments from your account, you can stop any of these payments by deleting the payment within the Bill Payment feature of the Internet Express Online Home Banking Service.

    You may cancel or modify a payment up to 1:00 PM Central Standard Time (CST) the same business day you schedule it for payment once you enter the deletion or correction into the Internet Express Online Home Banking Services. If you need to stop payment after that time, you will need to contact Electronic Banking Services (EBS) at (800) 628-5517 during the following hours:

    • From 9:00 AM to 6:00 PM (CST) weekdays
    • From 9:00 AM to 1:00 PM (CST) on Saturdays

    or write

    Unity One Credit Union
    6701 Burlington Blvd
    Fort Worth, Texas 76131
    ATTN: Internet Home Banking Department

    If you call or write, you must do so in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we all may also require you to put your request in writing and get it to us within fourteen (14) days after you call.

    2. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, ten (10) days before each payment, when it will be made and how much it will be.

    3. Liability for failure to stop payment of preauthorized transfers. If you order us to stop one of these payments three (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. See Business Account disclosures above for information concerning our liability for transfers to and from Business Accounts.

    XIII. Additional Terms, Conditions, and Disclosures 1. If you add an Internet Express Online Home Banking Service after you have provided us with your written Application, you agree that the Terms, Conditions, and Disclosures of this Agreement will apply to any such Service added.

    2. You agree to be bound by and comply with these Terms, Conditions and Disclosures and applicable state and federal laws and regulations.

    3. We reserve the right to terminate your use of the Services, in whole or in part, at any time without prior notice.

    4. If you wish to cancel your subscription to the Services, you must notify us in writing of cancellation. You will be responsible for all payments you have requested prior to cancellation and for all other related charges, fees, and taxes incurred.

    Be sure to cancel all outstanding payment orders before you notify us to cancel the Services. We will not be liable for payments not canceled, or made due to the lack of proper notification by you of service cancellation.

    5. We may change these Terms, Conditions, and Disclosures, and any applicable fees and charges at any time and we will notify you of any such change. Your use of the Internet Express Online Home Banking Services following receipt of such notice constitutes acceptance of any such change.

    6. NEITHER WE, NOR ANY OF OUR SUBSIDIARIES, ANY SOFTWARE SUPPLIER NOR ANY INFORMATION PROVIDERS MAKE ANY WARRANTY, EXPRESS ONLINE OR IMPLIED, TO YOU CONCERNING THE SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO, ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.
    ,
    7. These Terms, Conditions, and Disclosures shall be governed by and construed in accordance with the laws of the State of Texas to the extent not pre-empted by applicable federal law. Venue shall lie in Tarrant County, Texas.

    XIV. Account Access Service The Internet EXPRESS ONLINE Home Banking Services will provide you access to your account via the Internet by entering your Member Number or Social Security Number as the User ID and a user defined Security Code. You will receive in the mail, after your application has been processed, a temporary Security Code to use when you first log on to the web site. You will be prompted to change your Security Code as soon as you access your account. Your Security Code may be a minimum of four (4) and a maximum of eight (8) numeric digits. For any transfer you make, the balance in your Account, including overdraft protection if applicable, must be sufficient to cover the transfer. Account Access will enable you to:

    • Inquire about your account balances and loan balances.
    • Make Share, Checking, Share Certificates, and loan history inquiries.
    • Make advance(s) from Your Unity One Credit Union LOC to the limit of your unused credit, and deposit funds to your Checking, Share, or Unity One Credit Union Money Market Accounts.
    • Make the following transfers if you have funds available:
      • Checking to Shares
      • Checking to Unity One Credit Union Money Market Account
      • Checking to your loan
      • Shares to Checking
      • Shares to Unity One Credit Union Money Market Account
      • Shares to your loan
      • Unity One Credit Union Money Market Account to your Checking ($200 minimum)
      • Unity One Credit Union Money Market Account to your Shares ($200 minimum)
      • Unity One Credit Union Money Market Account to your loan ($200 minimum)
    • Additional Services
      • Request copy of cleared check
      • Place a stop payment on a check
      • Request a statement copy

    In addition, you may make transfers from your accounts to and from other accounts - Checking, Shares, Unity One Credit Union Money Market, and loans -, which you are authorized to use. These accounts may be "family accounts" or "other accounts." Family accounts are those accounts having the same base number, but having distinguishing three-digit suffixes. Other accounts are those accounts having member account numbers that are not the same base number as your account. The account owner must sign the Internet Express Online Home Banking application and express to access those accounts. If you or any account owner provides a Security Code to any other person, enabling that person to access accounts on the Internet Express Online Home Banking Service, all transactions made by that person using the Security Code would be considered an authorized use of the Internet Express Online Home Banking Services.

    If any account owner agrees to make one or more of his or her accounts available as "Additional Access Accounts" under the Internet Express Online Home Banking Service Application, that account owner acknowledges and agrees to grant the member named in such Application, complete Internet access to all of that account owner's accounts. That account owner also agrees that the authorization will supersede any prior authorization, and will continue in effect until we receive written revocation and have a reasonable time to act upon it.

    Business accounts, other than Sole Proprietorship accounts, may not be linked to personal accounts. You agree that we will not be liable for any damage or loss occasioned by transfers between sole proprietorship and personal accounts, whether or not any such transfer is authorized, unless otherwise provided by applicable law.

    Limitations on Transfers From Your Unity One Credit Union Money Market Account and Share Account Using the Internet Express Online Home Banking Services Government regulations restrict the number of pre-authorized and telephone transfers (including transfers by way of data transmission) from your Unity One Credit Union Money Market Account or your Share Account to no more than six (6) per month. No more than three (3) of the six (6) transfers can be made by check drawn on your Unity One Credit Union Money Market Account. Transfers made through your Internet EXPRESS ONLINE Home Banking Services are included when computing the permissible number of monthly transfers made. However, you are not prohibited from making transfers to make payments on your loans with us (payments on loans of your family members are counted against the transaction limitation). If you exceed the number of transfers permitted, your account may be subject to closure. Transfers from your Unity One Credit Union Money Market Account must be in amounts of $200 or more. Please refer to the Truth-In-Savings Disclosures in your Deposit Agreement for more information concerning transaction limitations.

    Note: Unity One Credit Union Money Market Account includes the Money Market and Business Money Market Accounts.

    XV. Express Online Bill Pay Service You may arrange to have bills paid from your Checking Account through the Express Online Bill Pay Service, or through other Bill Pay Services from time to time. Your contractual arrangement with those Bill Pay Services may provide for additional terms, conditions, disclosures and limitations. If you use Express Online, you have the option to use the Service by telephone or via the Internet at no extra charge.

    You authorize us to utilize Electronic Banking Service (EBS) to provide the Service to you on our behalf.

    Payment of taxes or court directed payments via the Service is prohibited.

    We reserve the right to refuse to make any payment, but will notify you of any such refusal within two (2) business days following receipt of your payment instruction.

    Funds will arrive at your targeted Merchant as close as reasonably possible to the date designated by you in your payment instruction (Payment Date). Subject to the Terms, Conditions, and Disclosures set forth in this Agreement, you authorize us, and any third party acting on our behalf, to choose the most effective method to process your payment, including, without limitation, electronic, paper or other means. For each properly instructed payment to an eligible Merchant you will receive a transaction confirmation number (Confirmation Number). The Payment Date indicated by you must always be a business day (as previously defined). If it is not, the Payment Date will be deemed to be the first business day following the date indicated.

    Unless you receive a confirmation number, we will not be liable for any failure to make a payment, including any finance charges or late fees incurred as a result. It is also important that the Payment Date be on or before the Merchant Due Date, not the Late Date, and, since the time for us to process your payment varies according to the particular Merchant, you must become familiar with the payment processing time for each Merchant you desire to pay, and allow the appropriate number of business days between the day you input your payment instruction and the Merchant Due Date. Subject to the limitation discussed below, if you follow the procedures described in this agreement for payments, and you are assessed a penalty or late charge, we will reimburse you for that late charge up to a maximum of one hundred dollars ($100.00). In the event that you do not comply with the terms and conditions set forth in this Agreement, or in the event that your payment instruction is not made in time for us to process your payment prior to the due date required by a particular Merchant, you will be liable for all penalties and late fees imposed, and we will not be liable for any such penalties or fees.

    Limitation Under no circumstances will we be liable if we are unable to complete any payments initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

    1. You have closed the designated Account, or have been removed as a joint owner.

    2. We have identified you as a credit risk and have chosen to (i) make all payments initiated by you via the Services utilizing a paper, as opposed to electronic, method, or (ii) terminate your subscription to the Services.

    3. You have not provided us with the correct information for those Merchants to whom you wish to direct payment.

    4. The Merchant mishandles or delays handling payments sent by us.

    Insufficient Funds and Suspension of Service In the event we are unable to process a Services transaction; (if, for example, there are insufficient funds in your designated Accounts) the transaction will result in a "Failed Payment." In such event, we will charge the total cost of the transaction, including any service charges, to you. In the event of repetitive Failed Payments, we reserve the right to suspend your subscription to the Services. This suspension may be without prior notice to you. If your subscription is suspended, transactions, which were previously initiated, may still continue to be processed unless canceled and confirmation of such cancellation is provided as specified below. Suspension will be handled by Customer Service and all inquiries and correspondence relating thereto including requests for reinstatement should be directed to Unity One Credit Union, Attention Internet Express Online Home Banking Services. In the event your subscription is suspended, we will notify you by mail to your listed address. With respect to any Failed Payment, you agree to reimburse us within fourteen (14) days after notice is sent to you, for any funds we have already paid to one or more of your designated Merchants, which we were unable to recover by debit to the Merchant or charge to you.

    If you do not pay any amount owed to us when due, you agree to pay interest on the unpaid balance at the rate of 18% per annum (or the maximum rate allowed by applicable law, if less). In the event that your claim or debt has to be referred to a third party for collection, you agree, to the extent permitted by law, to pay all costs and fees incurred in collecting the outstanding balances, including reasonable attorneys' fees and court costs.