This Agreement and Disclosure is the contract between you and ACFCU which covers your and our rights and responsibilities concerning the e.branch services offered to you by ACFCU. The e.branch service permits you to electronically initiate account transactions involving your accounts at the credit union. By requesting and using the e.branch service, you agree to the terms and conditions of this Agreement, and any amendments.


E.BRANCH ACCOUNT ACCESS: If we approve your application for the e.branch service, you may use your personal computer to access your accounts at the credit union. You must use the password and username assigned to you, to access your accounts. Each person who is an owner on an account may apply for access via e.branch service. Unless the primary owner notifies the credit union otherwise, any person who can transact business on an account as a joint owner will have the same capability electronically. You will need a personal computer with a modem and access to the Internet in order to use the e.branch service. You are responsible for the installation and maintenance of your computer. The Credit Union is not responsible for any errors or failures involving any telephone service, Internet Service, or for the software or hardware of your computer.


You may use the e.branch service to:

         View account balances and transaction history of your share draft (checking), share savings, and loan accounts

         Make transfers between your authorized share draft (checking), and share savings accounts

         Make loan payments from your share draft (checking) or savings accounts

         Request a withdrawal from your regular share account by check, which will be mailed to the address of record

         View and print checks that have cleared your share draft (checking) account

         Inquire if a specific check number has cleared

         Change your username and password

         Conduct any other transactions permitted by the Credit Union.


TRANSACTION LIMITATIONS: The following limitations on e.branch transactions may apply in using the services listed below:


TRANSFERS: You may transfer funds to other accounts of yours at the Credit Union. Federal regulations limit pre-authorized transfers from your regular share account and money market account.

During any statement period, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer or telephone or computer order or instruction. No more than three of the six transfers may be made by check, draft, debit card (if applicable), or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be subject fees or closure by the credit union.


The Credit Union will not be required to complete a withdrawal or transfer from your share accounts if you do not have enough money in the designated account to cover the transaction. You agree not to use the e.branch services to initiate a transaction that would cause the balance in your designated share account to go below your membership par. We will not be required to complete such a transaction, but if we do so, you agree to pay us the excess amount improperly withdrawn or transferred amount immediately upon our request. We will also refuse to complete your e.branch transactions if we have cancelled your e.branch access or we cannot complete the transaction for security reasons.


ACCOUNT INFORMATION: The account balance and transaction history information may be limited to recent account information involving your accounts. Also, the availability of funds for transfer or withdrawal may be limited due to processing time and our Funds Availability Policy.


PASSWORD SECURITY: The password issued to you for initial access to e.branch is for security purposes. You must change your password the first time you use the e.branch service. Your password is confidential and should not be disclosed to third parties or recorded. You agree to accept responsibility for protecting the integrity of your password. You agree not to disclose or otherwise make your password known to anyone not authorized to sign on your accounts. When you give someone your password, you are authorizing that person to use your e.branch services and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those that you did not intend or did not want performed, are authorized transactions. If you notify us that the person is no longer authorized, then only transactions that person performs after you notify us are considered unauthorized. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. You also agree that we may revoke your e.branch access at any time without notice to you. For your security, sign off after every e.branch session and close your browser window to ensure confidentiality.


LIABILITY FOR UNAUTHORIZED ACCESS: Contact us at once if you believe your password has been lost or stolen. 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 you contact us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you believe your password has been compromised, and you contact us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your password without your permission.

If you do not tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from accessing your account 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, contact us at once. If you do not tell us within 60 days after the statement was made available to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking 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 may extend the time periods.


If you believe your password has been compromised or if someone has transferred or may transfer money from your account without your permission, calls:

419-289-6211 Credit Union, or write;

Ashland Community Federal Credit Union
P.O. Box 682

Ashland, Oh 44805


PERIODIC STATEMENTS: Your periodic statement will clearly identify each electronic transaction. You will receive a monthly account statement for each month in which you initiate electronic transactions. In any event, you will receive an account statement at least annually.


You agree your Periodic Account Statement will be delivered to you electronically via email. You understand that you will be notified, by email, when your Periodic Account Statement is available. You will be instructed as to how to retrieve your Periodic Account Statement electronically. You agree that you will retrieve your Periodic Account Statement on a timely basis (within 10 days of notification). You agree that, because it is necessary for ACFCU to have your most current email address in order to make your Periodic Account Statement available, you will notify ACFCU of any change in your email address immediately upon the existence of your new email address. You further agree to hold ACFCU harmless if you fail to notify ACFCU of a change in your email address or if you fail to pick up your Periodic Account Statement on a timely basis.


If for some reason of yours you find it necessary to receive a paper statement be sent to you monthly you agree to a monthly fee of three dollars ($3) per month to be deducted from your account.

BUSINESS DAYS: For purposes of electronic funds transfer, our business days are Monday through Friday, excluding Federal holidays.


CREDIT UNION'S 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, through no fault of ours, you do not have adequate funds in your account to complete a transaction or if your account is closed.

         If you used the wrong password or you have not properly followed any applicable computer, internet access, or Credit Union user instructions for making transfers or payments.

         If your computer fails or malfunctions or the e.branch service was not working properly and such problem should have been apparent when you started the transaction or transfer.

         If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.

         If the funds in the account are subject to an administrative hold.

         If the error was caused by a reason beyond the Credit Union's control.

         There may be other exceptions not specifically mentioned.


DISCLOSURE OF INFORMATION TO THIRD PARTIES: We will disclose information to third parties about your account or the transfers you make:

         Where it is necessary for completing transfers, or

         In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant, or

         In order to comply with government agency or court orders, or

         If you give us your written permission, or

         To federal law enforcement and intelligence agencies to combat terrorism.



Telephone us at 419-289-6211 Credit Union or write;
Ashland Community Federal Credit Union
P.O. Box 682

Ashland, Oh 44805

Email Address:


In case of errors or questions about your e.branch transactions, contact the Credit Union immediately. We must hear from you no later than 60 days the FIRST statement on which the problem or error appeared was made available to you.

         Tell us your name and account number

         Describe the error or transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information

         Tell us the dollar amount of the suspected error


If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days via US Postal Service or email.


We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) 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 not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.


We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation.

  To participate in the Service's text messaging program, you must have an SMS/text messaging-enabled mobile phone. YOU are responsible for standard text rates and/or data usage rates that apply in conjunction with any of the terms and conditions of your agreement(s) with your cell phone carrier.

TERMINATING THIS AGREEMENT: You can terminate this Agreement at any time by notifying us in writing with at least 14 days notice. We may terminate this Agreement at any time for any reason, including inactivity. Your account may be automatically terminated after 45 days of inactivity. To reestablish access, contact the Credit Union. Whether you terminate the Agreement or we do, the termination does not affect your obligations under this Agreement, even if we allow any transaction to be completed with your password after this Agreement has been terminated.

CHANGING THIS AGREEMENT: The Credit Union reserves the right to modify the terms of this Agreement from time to time as deemed necessary. We will notify you at least 21 days before the change will take effect if the change will cause you a greater cost or liability or if it will limit your access to the Service. You will be notified of the changes in the Credit Union's monthly statement delivery, or in a special notification to members of the e.branch service. We do not have to notify you in advance, however, if the change is for security reasons.


To complete an application for the Service, you must agree to these terms and conditions as indicated by your signature on the application.