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This Agreement establishes the rules that cover your electronic access to your account(s) at Breakwater Federal Credit Union (“Credit Union”) through the Online Banking system. You will be bound by this Agreement when you enroll in Online Banking. You also accept all the terms and conditions of this Agreement by using Online Banking. Please read it carefully and retain for your records.
This Agreement is also subject to applicable federal laws and the laws of the State of Michigan. If any provisions of this Agreement are found unenforceable or invalid, all remaining provisions will continue in full force and effect. The headings in the Agreement are for convenience or reference only and will not govern the interpretation of the provisions. Any waiver (express or implied) by either party or any default or breach of this Agreement must be in writing and shall not constitute a waiver of any other or subsequent default or breach. You may not assign this Agreement. This Agreement is binding upon your heirs and the Credit Union’s successors and assigns. Certain of the obligations of the parties pursuant to this Agreement that by their nature would continue beyond the termination, cancellation, or expiration of this Agreement shall survive termination, cancellation, or expiration of this Agreement. This Agreement, together with the Membership and Account Agreement constitutes the entire agreement between you and the Credit Union with respect to the subject matter hereof and there is no understanding or agreements relative hereto which are not fully expressed herein.
The words “you”, “your”, and “yours” refer to the Breakwater Federal Credit Union member(s) jointly and severally. The words “we”, “us”, “our”, “BFCU” and “Credit Union” refer to Breakwater Federal Credit Union. This Agreement and Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic Funds Transfers which are available to you with our Online Banking system. This Agreement also contains your rights and responsibilities concerning transactions that you make through Online Banking, including your rights under the Electronic Funds Transfer Act.
To qualify for access to Online Banking, you must be a Credit Union member in good standing. Online Banking may not be accessible to Business and Organizational accounts. Other conditions may apply.
The functions and limitations of Online Banking may be updated, without notice, at the option of the Credit Union in order to provide improved service to the membership.
Phone: 906-482-5005 Breakwater Federal Credit Union Attention: Online Banking 700 E Sharon Ave Houghton, MI 49931
Breakwater Federal Credit Union Attention: Online Banking 700 E Sharon Ave Houghton, MI 49931
Further, if your statement shows transfers that you did not make, you must tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not receive 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 notified 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.