SAG-AFTRA Federal Credit Union
Home Banking Service Agreement and Disclosure

By clicking on the 'I Agree' button below, I hereby enroll in the SAG-AFTRA Federal Credit Union Home Banking Service. I further understand and agree that: I am electronically applying for the Home Banking service; I have read, understand and affirmatively agree to the terms and conditions of the Home Banking Service Agreement and Disclosure below; I understand that enrolling in the Home Banking Service does not automatically enroll me in the credit union's eStatement or Bill Pay services, which require separate and specific enrollment; and that the Home Banking Service is in effect until I unenroll or the service is terminated or cancelled by SAG-AFTRA Federal Credit Union.

I understand SAG-AFTRA Federal Credit Union strongly recommends against the use of personally identifiable information (PII) when selecting my username and password. This includes information such as my name, social security number, account number, phone number, previously used passwords, or portions of a debit card number.

This Home Banking Agreement and Disclosure specifically governs the SAG-AFTRA Federal Credit Union Home Banking Service and contains your and our rights and responsibilities and the terms and conditions under which this service is provided. Please read this Agreement and Disclosure carefully and retain it for your records.

In this Agreement and Disclosure, the words "you", "your" and "yours" mean each and every one of you who utilizes the Home Banking Service. The words "we", "us", "our" and "Credit Union" each mean SAG-AFTRA Federal Credit Union.

By initiating inquiries and/or funds transfers through the SAG-AFTRA Federal Credit Union Home Banking Service, or by permitting another to use the Home Banking Service on your behalf, you acknowledge receipt of this Home Banking Agreement and Disclosure and agree to be bound by all terms and conditions contained herein, and all applicable terms and conditions contained in our other agreements with you governing your checking, savings, and loan accounts accessible in connection with this service. You further agree to follow all instructions provided by our Home Banking Service as reflected on your computer monitor or other system access screen.

SERVICES: You can access your Credit Union accounts and process transactions 24 hours a day, seven (7) days a week. Through Home Banking you can:

  • Inquire, review and download account balance and transaction history information on your savings, checking, certificates, home equity line of credit, and other loan accounts (excluding mortgage loans that are serviced by Varris Mortgage);
  • View your paid checks online;
  • Transfer available funds between your savings, checking and money market accounts;
  • Make payments to your loans and home equity line of credit via transfer from your other credit union accounts;
  • Obtain advances from your home equity line of credit account and transfer the funds to your other credit union accounts;
  • Perform funds transfers to your other credit union accounts (you must complete a Cross Account Transfer form and we must specifically set up this capability in order to perform this function);
  • Place a stop payment on your check;
  • Receive your account statements online with our eStatement Service (You must specifically enroll in the eStatement Service once you have enrolled in Home Banking – see the eStatement Service Agreement and Disclosure below.)
  • Pay bills electronically through the Bill Pay Service feature of Home Banking. (You must specifically enroll in the Bill Pay Service once you have enrolled in Home Banking –See the Bill Pay Service Agreement and Disclosure below.)

In addition, you can:

  • Email Us - Email questions and comments to us.
  • Customize - Change your User ID and Password and your email address registered with us.
  • Obtain Help - Help provides additional information about how to use the Home Banking Service.

HARDWARE/SOFTWARE REQUIREMENTS: To access our Home Banking services you can use a Personal Computer (PC) running any current version of Windows at or above Windows 98. Apple computers can also be used running OS versions 8.6 or higher. Supported browsers include Microsoft Home Explorer 5.5 or higher, Netscape Navigator 6.1 or higher, Safari 1.2 or higher, or Firefox 1.0 or higher. Web enabled browsers must include 128 bit encryption technology. Other browsers may be used but are not supported. It is recommended to use the current versions of your operating system software and Home browser software.

EMAIL ADDRESS: In connection with opening an SAG-AFTRA Federal Credit Union account and when enrolling in the Home Banking Service and eStatement Service we will request your email address so that we have it for our records. It is important that you keep your email address current with us. You can add or update your email address with us by signing onto our Home Banking Service, selecting the “Update Email Address” link, and following the instructions.

EMAIL COMMUNICATION: You can communicate with us via secure messaging within Home Banking by clicking the Message Center. Correspondences within the messages center are secure. Responses through the Message Center will be sent by You can also communicate with us via email at Email transmissions sent through general or public email, including your Home service provider and via our website “Contact Us” link are NOT secure. Therefore, you should never send us personal, financial or other sensitive information via email. Do not email us information such as your account number, social security number, birth date, User ID, Password or other Access Code, or specific account or transaction information. Also, be advised that we will NOT request or provide such information to you via email. We cannot act on transactional requests or instructions such as transfers, stop payments, requests for password changes or requests for additional Visa Debit/ATM cards or PINs or reports of lost or stolen cards or PINs sent by you to us via email. You cannot perform transactions on your account via email instruction. The Credit Union will not immediately receive and review email messages that you send to us and we reserve the right not to act on information or requests sent via email. We may require your written authorization, including your signature, before any action can be taken so that we can verify the authenticity of the request or instruction. The Credit Union can only take action based on these limited criteria and only once we have a reasonable opportunity to act. The best way to communicate with us regarding confidential personal and financial information or other sensitive information is to telephone us at (800) 826-6946 during our business hours of Monday thru Friday 9:00 a.m. to 5:00 p.m.

EMAIL NOTIFICATION OF IMPORTANT INFORATION, NOTICES AND DISCLOSURES: By enrolling in the Home Banking Service you understand and agree that we may also electronically send you via email to the email address you have provided to us or via notices posted to our website, important information, including notices and disclosures as required by federal or state law or regulation. Such information, notices and disclosures may be sent jointly or separately in our email notices to you, posted separately online, or incorporated into marketing newsletters that accompany or are hypertext-linked to email notices of availability of your eStatement that we send to you.

ACCESS CODES, SECURITY AND CONFIDENTIALITY: You will be provided with an initial User ID and Password when you request our Home Banking Service. At the time of your first login to the Home Banking Service you will be required to change the initial User ID and Password to those specifically selected by you before you can continue use of the Home Banking Service. SAG-AFTRA Federal Credit Union strongly recommends against the use of personally identifiable information (PII) when selecting a username and password. This includes information such as your name, social security number, account number, phone number, previously used passwords, or portions of a debit card number. For purposes of this and other sections of this Home Banking Agreement and Disclosure the words “Access Codes” shall mean your User ID and Password.

Access Codes are required for security purposes in connection with access to the Home Banking Service, access to your accounts, and the authentication of transfers and payments you initiate through the Home Banking Service. Your Access Codes are confidential and should NOT be disclosed to others or recorded on documentation or records located on or around your personal computer. You are responsible for the proper safekeeping of your Access Codes. You agree not to disclose or otherwise make your Access Codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your Access Codes, that authority shall continue until you specifically revoke such authority by changing the Access Codes or by notifying the Credit Union and obtaining replacement Access Codes. You understand that if you reveal your Access Codes to anyone, or request that the Credit Union issue Access Codes to anyone else, you have authorized that individual to transfer and withdraw funds from any of your accounts which can be accessed by the Access Codes, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of the Home Banking Service.

If you fail to maintain security of your Access Codes and the Credit Union suffers a loss, we reserve the right to terminate your Home Banking Services under this Agreement and Disclosure as well as other Credit Union deposit and loan services. Users of our Home Banking Service should utilize such other Access Codes protection precautions as may be appropriate under any particular set of circumstances to ensure proper security over system access and access to account and transaction information and funds transfer capabilities. Our Home Banking Service provides the capability for you to change your Access Codes. To help safeguard your Home Banking Service security, you should change your Access Codes frequently. If you forget your Access Codes or your system access is disabled due to the use of an incorrect Access Code, you must contact the Credit Union at (818) 562-3400 or (800) 826-6946 (toll-free) to have temporary Access Codes issued to you. We reserve the right to require written re-application for new or replacement Access Codes.

ACCESS BY JOINT OWNER TO INDIVIDUALLY-HELD LOANS AND LINES: If the account(s) accessible via the Home Banking Service is a joint account and the joint account owner has been provided access to the account by requesting the Home Banking Service and obtaining a User ID and Password (herein referred to as the “Access Codes”) or you have provided the joint account owner with your Access Code, you understand and agree that the joint account owner will have access to funds and information on loans and lines of credit established under the joint account structure for which they may not be a joint borrower or obligor. You understand that you will be liable for any transfers or advances against your individually-held loans/lines of credit requested by any joint account owner.

FEES AND CHARGES: There is no fee for SAG-AFTRA Federal Credit Union’s Home Banking Service. However, you are solely responsible for the payment of any Home Service Provider and telephone and utility company charges incurred in connection with accessing the Home Banking Service. There is a fee to place a Stop Payment on a check using Home Banking. Also, there may be fees and charges related to the Bill Pay Service feature of Home Banking if used by you. Refer to the Bill Pay Service Agreement and Disclosure “Fees and Charges” section for further information.

BUSINESS AND PROCESSING DAYS: For purposes of Home Banking transaction posting dates and dividend and interest accruals, business days and processing days are actual calendar days, Monday through Sunday 12:01 a.m. to 12:00 midnight, Pacific Time.

TRANSACTION LIMITATIONS – MINIMUM AND MAXIMUM AMOUNTS AND NUMBER OF TRANSFERS: There is no minimum or maximum transfer amount on funds transfers to or from your savings, checking, money market and loan accounts, subject to the availability of funds and there are no limits on the number of transactions you can initiate on checking accounts; however there are limits on the number of transfers you can make from your savings and money market accounts, as follows:

Limits on Savings and Money Market Account Transfers: During any monthly statement period no member may make more than a total of six (6) transfers from any Regular Share (savings) Account to another of their credit union accounts by means of a preauthorized electronic funds transfer, automatic transfer, overdraft protection transfer, telephone order or instruction, request received via facsimile machine, transfer initiated through the Telephone Banking Service, or electronic transfer initiated through our Home Banking Service (cumulatively). No more than three (3) of the six (6) transfers may be made by check, draft, debit card / check card (POS), ACH debit, bill payment service, or similar order to a third party. Transfers to make payments on loans with the Credit Union and transfers conducted at ATMs, in person, by mail or messenger, or through a night or lobby depository are excluded from this limitation. Also excluded is any transfer into the account and requests for a withdrawal of funds by check made payable to and mailed to the member. These account limitations and restrictions are mandated by Federal law.

If you attempt to exceed the transfer limitations set forth above in any calendar month the Home Banking Service will provide the response “Reg. D Limit Reached - Transaction Not Allowed” and you will not be permitted to initiate the requested transfer.

VIEW YOUR PAID CHECKS ONLINE: You can view copies of your paid checks online when accessing your checking account history. If a merchant converts your original paper check into electronic form (known as an Electronic Check Conversion) and transmits that data electronically to us, you will see an electronic replacement of your check instead of a copy of your original paper check. You will not be able to view your check if it has been converted to an ACH Debit by a merchant.

TRANSFERRING FUNDS AND MAKING LOAN PAYMENTS: Simply follow the instructions on our Home Banking Service website to transfer funds and to make loan payments.

RIGHT TO STOP PAYMENT ON ELECTRONIC TRANSFERS: A Stop Payment order cannot be placed once an Home Banking transfer has been initiated by you and accepted by the system, or a bill payment transfer has been made and your account has been debited on the scheduled payment date. If you have made a transfer in error, you must reverse the transaction by initiating a correcting transfer. (Note: Transfers cannot be corrected via Home Banking when made as transfer/payments to loan accounts. Contact the Credit Union if you require reversal of these transactions or need additional assistance.) For further information on placing stop payments on bill payment transfers before payment is made, refer to the Bill Pay Service Agreement.

PLACING STOP PAYMENTS ON CHECKS YOU WRITE: You can place a Stop Payment on a check you have written from your Checking Account or Money Market Account using the “Stop a Check” option under the “Check Options” section of Home Banking. You can also place a Stop Payment on a range of check numbers (for example, if you lost your checkbook). The fee for placing a Stop Payment via our Home Banking Service is $10.00. All Stop Payment Orders are effective for six (6) months from the date received/acknowledged by the F Banking Service system, unless otherwise canceled or renewed by you.

CROSS ACCOUNT TRANSFERS: Cross Account Transfer capabilities can only be established on Credit Union accounts for which you are an account owner (a legal owner on the account). The Credit Union must set up your capability to perform Cross Account Transfers. In order to establish Cross Account Transfer capabilities you must first complete a Cross Account Transfer Authorization form and submit it to us. Following our verification that you are the legal account owner on the account(s) identified, we will set up your Cross Account Transfer capability. Cross account transfers from one membership account to another allow you to transfer funds to any sub-account (unless otherwise restricted) established within the membership account structure. The Credit Union reserves the right at any time to restrict or prohibit Cross Account Transfer capabilities on specific types of accounts.

YOUR LIABILITY FOR UNAUTHORIZED ELECTRONIC FUNDS TRANSFERS: Tell us AT ONCE if you believe that your Access Code or Codes have been lost, stolen, or you believe that someone has transferred funds from your account without your permission. 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 (2) business days, you can lose no more than $50.00 if someone used your PIN without your permission. The Credit Union telephone number is (800) 826-6946 (Toll-Free). Our address is SAG-AFTRA Federal Credit Union, P.O. Box 11419 Burbank CA 91510. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Access Codes, and we can prove the loss could have been prevented had you told us in time, 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 60 days after the statement was mailed 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 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.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: Call us or write us immediately at the telephone number or address described in the preceding section, if you think your statement is wrong (or shows transfers that you did not authorize) or if you need more information about a transfer. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If you do not tell us within 60 days after the statement was mailed to you, you may not recover funds lost after the 60-day period if we can prove that the loss could have been prevented had you told us in time. In your letter: (1) Tell us your name and account number; (2) 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; and, (3) Tell us the dollar amount of the suspected error and the date it occurred.

If you notify us verbally, we may require you to 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 will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will provisionally credit your account within 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 request in writing and we do not receive it within 10 business days, we may not recredit your account. If we determine there was no error, we will send you written explanation within three business days after we complete our investigation. You may ask for copies of the documents that we used in our investigation.

CREDIT UNION'S LIABILITY FOR FAILURE TO MAKE TRANSFERS: If we do not complete an electronic funds transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses and damages. However, there are some exceptions. We will NOT be liable, for example, if: (a) Through no fault of ours, you do not have enough available funds in your account to make the transfer; (b) The transfer would exceed any permitted overdraft line you have with us; (c) Circumstances beyond our control (such as fire, flood, water damage, power failure, labor dispute, computer breakdown, telephone line disruption or a natural disaster) prevent or delay the transfer despite reasonable precaution taken by us; (d) The funds in your account are subject to legal process, an uncollected funds hold, or are otherwise not available for withdrawal; (e) The information supplied by you or a third party is incorrect, incomplete, ambiguous or untimely; or, (f) The system was not working properly and you knew about the breakdown when you started the transfer. There may be other exceptions stated in our Agreement with you.

In addition, the Credit Union will also have no liability whatsoever for failure to complete a payment or transfer you initiate or attempt to initiate through our Home Banking Service under any of the following circumstances: (1) If you did not properly follow software or Home Banking instructions on how to make the transfer or payment; (2) If you did not give the Credit Union complete, correct and current instructions or information to process your transaction request; (3) If you did not authorize a payment soon enough for the payment to be made, transmitted, received and credited by the payee/vendor; (4) If the Credit Union made a timely payment but the payee/vendor did not promptly credit your payment after receipt; (5) If your personal computer and/or software malfunctioned for any reason; (6) If the transfer or payment could not be completed due to system unavailability or a telecommunication or Home Service Provider service failure; or (7) We blocked the transfer to protect the integrity or security of the system.

RIGHT TO RECEIVE DOCUMENTATION OF TRANSFERS: You will not receive individual receipts for your individual transactions conducted via the Home Banking Service; however, you will get a monthly statement reflecting the Home Banking electronic funds transfer activity on your accounts unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. Home Banking Service activity information is included in your regularly scheduled account statement.

SYSTEM UNAVAILABILITY: Access to the Home Banking Service may be unavailable at times for the following reasons: (1) Scheduled Maintenance - There will be necessary periods when systems require maintenance or upgrades; (2) Unscheduled Maintenance – The Home Banking Service may be unavailable when unforeseen maintenance is necessary; (3) System Outages - Major unforeseen events, such as, but not limited to, earthquakes, fires, floods, computer failures, interruptions in telephone service, or electrical outages, may cause system unavailability; or, (4) Home Service Provider - Failure by or unavailability of an Home Service Provider. We will make all reasonable efforts to ensure the availability of our Home Banking Service; however, we are in no way liable for system unavailability or any consequential damages that may result.

OTHER LIMITATIONS OF LIABILITY: You are solely responsible for the selection, installation, maintenance, and operation of your personal computer and software. The Credit Union expressly disclaims any and all liability as relates to the improper use of your personal computer and the transmission of data except as provided by statute. The Credit Union is not responsible for any errors or failures due to any malfunction of your personal computer or the software, or unsuitability of your personal computer or software, or any virus, or any problems that may be associated with the use of an Home Service Provider or any other online service.

ENFORCEMENT: You agree to be liable to the Credit Union for any liability, loss, or expense as provided in this Home Banking Agreement and Disclosure that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account without prior notice to you. In the event either party brings a legal action to enforce this Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to California law, to payment by the other party of its reasonable attorneys' fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable. Should any one or more provisions of this Agreement be determined illegal or unenforceable in any relevant jurisdiction, then such provision may be modified by the proper court, if possible, but only to the extent necessary to make the provision enforceable, and any such modification shall not affect any other provision of this Agreement.

CHANGES IN TERMS OR CONDITIONS: This Home Banking Service Agreement and Disclosure is subject to change to conform to changes in federal regulation and/or SAG-AFTRA Federal Credit Union policy, including changes in terms, conditions and fees. If such change(s) result in increased liability to you, a reduction in the Home Banking services, or stricter limitations on the frequency or dollar amount of transfers, we will notify you at least twenty-one (21) calendar days before the effective date of such changes, or as otherwise permitted by law. Any notification, required or appropriate, will be mailed to you and will be considered given when placed in the United States mail, postage prepaid, and addressed to you at your current address as it appears on our records.

CANCELLATION OR TERMINATION: To cancel your Home Banking Service unenroll or call us at (800) 826-6946. The Credit Union may also terminate your Home Banking Service and this Agreement and Disclosure at any time by giving you advance notification, either orally or in writing. If we terminate your Home Banking Service for cause, we may provide you notice of such termination following termination of the Service. Whether you or the Credit Union cancel or terminate your Home Banking Service and this Agreement and Disclosure, the cancellation or termination shall not affect your obligations under this Agreement and Disclosure for any transfers or payments made prior to cancellation or termination. Cancellation or termination of the Home Banking Service will also terminate the Bill Pay and eStatement Services.

CONFIDENTIALITY: We will disclose information to third parties about your account or the transfers you make: (1) Where it is necessary for completing transfers; (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 generate your periodic account statement; (4) In order to comply with government agency or court orders; or, (5) If you give us your permission.

GOVERNING LAW: This Agreement and Disclosure shall be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to its conflicts of laws provisions.