NorthRidge Community Credit Union
This Agreement and Disclosure is the contract between you and NorthRidge Community Credit Union which covers your and our rights and responsibilities concerning the online and mobile banking services offered to you by NorthRidge Community Credit Union. These services permit you to electronically initiate account transactions involving your accounts at the credit union. By requesting and using the online and mobile banking service, referred to as NorthRidge Community Credit Union Online Banking, you agree to the terms and conditions of this Agreement, and any amendments.
Anytime that you access your account(s) through a computer, mobile device, mobile application, or via text alert or text message, you are accessing the account through NorthRidge Community Credit Union Online Banking. Standard data and text messaging rates may apply.
NorthRidge Community Credit Union Online Banking ACCOUNT ACCESS: If we approve your application for the NorthRidge Community Credit Union Online Banking service, you may use your personal computer, mobile device, or any other device that allows for internet usage 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 NorthRidge Community Credit Union Online Banking 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, a mobile phone or tablet with access to the Internet in order to use the NorthRidge Community Credit Union Online Banking 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 NorthRidge Community Credit Union Online Banking service to:
*fee may apply
TRANSACTION LIMITATIONS: The following limitations on NorthRidge
Community Credit Union Online Banking transactions may apply in using the
services listed below:
You may transfer funds to other accounts of yours at the Credit Union. 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 will be subject to penalties up to and including 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 ebranch services to initiate
a transaction that would cause the balance in your designated share account to
go below zero. We will not be required to complete such a transaction, but if
we do so, you agree to pay us the excess amount or improperly withdrawn or
transferred amount immediately upon our request. We will also refuse to
complete your ebranch transactions if we have cancelled your ebranch 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.
MOBILE BANKING: You may access your account(s) at any time through
your mobile device with the device's browser. You may also access your
account(s) through The NorthRidge Community Credit Union Mobile Apps. All
transaction limitations apply when transacting through your mobile device or
through mobile apps. NorthRidge Community Credit Union does not guarantee that
your device will be compatible with mobile banking. It is up to you to maintain
proper security features on your mobile device to ensure secure connections to
mobile banking.
NorthRidge Community Credit Union will not be responsible for any fees incurred
by your device carrier. Standard data usage fees will apply determined by the
contract you signed with your mobile device carrier.
USER SECURITY: You agree to be mindful of the security and safety
guidelines of using online or mobile banking from any computer and/or mobile
device. We recommend that you never give out account information or login
usernames or passwords to anyone. You agree that if you do allow access to
online or mobile banking to any unauthorized user, that you will be responsible
for those transactions and any fees that correspond to the transactions. The
credit union will not be liable for any of your losses.
Online Bill Pay, is a free service offered by the Credit Union. However, there
are fees that are involved dependent upon how you use it. In order to use
Online Bill Pay, you must read and agree to the Terms and Conditions listed on
the Online Bill Pay site within NorthRidge Community Credit Union Online
Banking.
TEXT ALERTS & SMS TEXTING: To participate in 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.
ESTATEMENTS: If you have also enrolled in estatements you will
receive your NorthRidge Community Credit Union account statements
electronically, NorthRidge Community Credit Union will discontinue sending a
paper statement.
Paper statements may be printed from NorthRidge Community Credit Union Online
Banking, or you may request a paper statement to be mailed to you at the
address on file by contacting the Credit Union at 877-672-2848 or by email at support@nrccu.org, fees may be charged
for the printing and mailing of additional statements.
Note: Should you opt to receive estatements please be advised that you may be
mailed one paper statement per year.
By enrolling in estatements you also agree to receive all regulatory and
account disclosure information electronically.
OPT OUT: If you would like to receive your account statements in paper form, by mail, you can make that request by phone at 877-672-2848, in person at any NorthRidge Community Credit Union branch location or in writing to NorthRidge Community Credit Union.
MOBILE PHONE: If we need to contact you to service your account or collect any amounts you owe, you authorize us (and our affiliates, agents or contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. We may contact you in any way, such as calling or texting. We may contact you by using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.
FEES: Use of Online and Mobile Banking with the Credit Union is free, however, standard account fees do apply (example, overdraft fees). For all fees, please see the Schedule of Fees disclosure.
CONFIDENTIALITY: NorthRidge Community Credit Union Privacy Policy will be followed for all online and mobile banking transactions.
CHANGES: The Credit Union reserves the right to make changes to this policy at any time. If changes are made, you will be asked to agree to the new terms the first time you log on after the new terms go into effect.
Please note that not all NorthRidge Community Credit Union Online Banking features will be available for use in mobile apps, text alerts and SMS texting.