Microsoft word - homebankingdisclosure4.17.2013ejb_final_removedbyclickingi_accept

WRIGHT-PATT CREDIT UNION INTERNET ACCOUNT ACCESS AGREEMENT, OPTIONAL BILL PAY AGREEMENT AND DISCLOSURE STATEMENT IMPORTANT: THE WRIGHT-PATT CREDIT UNION, INC. (“WPCU”) INTERNET ACCOUNT ACCESS AGREEMENT (“HOME BANKING”), OPTIONAL BILL PAY AGREEMENT AND DISCLOSURE (“AGREEMENT”) IS A LEGALLY BINDING CONTRACT. BY USING THIS ELECTRONIC SERVICE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS CONTAINED HEREIN AND ANY ADDITIONAL TERMS AND CONDITIONS THAT WE MAY COMMUNICATE TO YOU AND YOU AGREE TO THE ELECTRONIC DELIVERY OF THIS AGREEMENT AND THE ELECTRONIC FUNDS TRANSFER DISCLOSURES. PLEASE READ THE ENTIRE AGREEMENT. YOU MAY WANT TO PRINT A COPY OR REQUEST A WRITTEN COPY FOR YOUR RECORDS. YOU AGREE TO ELECTRONICALLY VIEW ANY CHANGES IN DISCLOSURES, ELECTION INFORMATION, OR UPDATES TO WPCU PRODUCTS, SERVICES, AND FEES. YOU MUST HAVE A VALID E-MAIL ADDRESS THAT WPCU WILL USE TO SEND INFORMATIONAL NOTICES. YOU AGREE TO IMMEDIATELY NOTIFY WPCU IF YOUR EMAIL ADDRESS CHANGES (SEE CONTACT INFORMATION BELOW). AT ANY TIME, YOU MAY CANCEL ENROLLMENT IN HOME BANKING BY VISITING ANY WPCU MEMBER CENTER, CALLING (937) 912-7000 OR TOLL FREE (800) 762-0047, OR E-MAILING US AT [email protected]. IF THE REVOCATION OF YOUR CONSENT IS RECEIVED LESS THAN TEN (10) DAYS BEFORE THE END OF YOUR STATEMENT CYCLE IT MAY NOT TAKE EFFECT UNTIL THE FOLLOWING STATEMENT CYCLE. WHEN YOU CANCEL ENROLLMENT IN HOME BANKING, WPCU WILL RESUME MAILING ALL OF YOUR CORRESPONDENCE AS ELECTED THROUGH THE U.S. POSTAL SERVICE AT NO ADDITIONAL CHARGE TO YOU. IF YOU WOULD LIKE TO OBTAIN A PAPER COPY OF THE EMAILED CORRESPONDENCE, WPCU WILL PROVIDE IT TO YOU AT NO COST TO YOU. TO RECEIVE HOME BANKING SERVICES YOU UNDERSTAND THAT YOU MUST HAVE ACCESS TO THE NECESSARY HARDWARE AND SOFTWARE TO VIEW, PRINT OR OTHERWISE ACCESS NECESSARY INFORMATION. THE MINIMUM HARDWARE REQUIREMENTS ARE AN IBM-COMPATIBLE PC, OR APPLE COMPUTER, ANALOG MODEM OR OTHER INTERNET CONNECTION, MONITOR, AND PRINTER. THE OPERATING SYSTEM MUST BE AT LEAST WINDOWS XP SERVICE PACK 2, WINDOWS VISTA, WINDOWS 7 AND HIGHER, OR MAC OS X 10.5 OR HIGHER. THE MINIMUM BROWSER REQUIREMENTS ARE IE 8 ONLY, SAFARI 5.X OR HIGHER, FIREFOX 5.X OR HIGHER, OR GOOGLE CHROME 12.X OR HIGHER. IF AT ANY TIME YOU NO LONGER HAVE THE REQUIRED HARDWARE OR SOFTWARE TO RECEIVE HOME BANKING SERVICES, YOU AGREE THAT IT IS YOUR RESPONSIBILITY TO IMMEDIATELY NOTIFY WPCU. IF WPCU CHANGES THE HARDWARE AND SOFTWARE REQUIREMENTS TO ACCESS HOME BANKING SERVICES, AND IT MAY CREATE A MATERIAL RISK THAT YOU WILL NO LONGER BE ABLE TO ACCESS OR RETAIN SUBSEQUENT ELECTRONIC COMMUNICATIONS, WPCU WILL NOTIFY YOU AND YOU WILL BE ABLE TO WITHDRAW YOUR CONSENT WITHOUT THE IMPOSITION OF A FEE. The words “you,” “your,” and “yours” refer to the Wright-Patt Credit Union, Inc. member(s) jointly and severally. The words “we,” “us,” “our” “WPCU” and “Credit Union”
refer to Wright-Patt Credit Union, Inc. (Collectively “Party” or “Parties”). This Agreement and
Disclosure Statement (hereinafter “Agreement”) explains and describes the types of Electronic
Funds Transfers that are available to you with our Online Internet Account Service (“HOME
BANKING”). The Agreement also contains your rights and responsibilities concerning the
HOME BANKING transactions you make for Consumer and Business Accounts, including
Consumers’ rights under the Electronic Funds Transfer Act. In order to obtain access to HOME
BANKING and BILL PAY SERVICE, you must register and be approved. For access to
HOME BANKING you must have a WPCU share account in good standing. To enroll in the
BILL PAY SERVICE you must have an open checking account in good standing on the same
account that you have for HOME BANKING. Custodian accounts have inquiry access only.
You will be bound by this Agreement with your first use of HOME BANKING and/or
BILLPAY SERVICE.

I. DEFINITIONS.

“Account(s)” means a business and/or personal, family or household share, share certificate, checking, savings, money market, or other share deposit account that you have with us. “Account Access” means your ability to access account and transaction information on Accounts, and transfer funds between Accounts, through the Internet. “Account Agreement” means all agreements between you and us that govern the use of
your Account, including the Membership and Account Agreement, your individual
Account Disclosures, any Funds Availability Disclosure, Electronic Fund Transfers
Disclosure, line of credit agreement, credit card agreement and our General Fee Schedule
and Electronic Fee Schedule.
“Account Number” means the basic account number established in your name. This does
not contain any leading zeros and does not have any ending account IDs.
“Address” means either a physical address or an e-mail address.
“BILL PAY SERVICES” and “BILL PAY” means our services that allow you to pay or
transfer funds to a designated Payee or Payees and related services based upon your
instructions to us via the Internet.
“Business” means any person or entity other than a Consumer that has an Account with
respect to which HOME BANKING services are requested.
“Business Account” means an Account owned by a Business.
“Business Day” means every weekday that we are open for business, Monday through
Friday, except federal or state holidays.
“Consumer” means a natural person who has an Account for which HOME BANKING
and BILL PAY SERVICES are requested primarily for personal, family, or household
purposes. For Consumer disclosures it also includes sole proprietor Accounts.
"Designated Bill Pay Account" means the share draft (checking) account that you have
with us that will be debited for electronic payments (or payments issued by check) made
by you to Payee(s). You may not designate a share (savings) account or money market
account to be debited for electronic payments under the BILL PAY SERVICES.
“Deliver By Date” means the date that the Transfer is scheduled to arrive at the intended
Payee’s location.
“Electronic” means electrical, digital, magnetic, wireless, optical or electromagnetic
technology, or any other technology that entails similar capabilities.
“Electronic Messaging” means a secure messaging system you can access by logging into
HOME BANKING.
“Electronic Services” means access to HOME BANKING, BILL PAY SERVICES,
Mobile Web and Mobile Apps.
“FIS” means our third party Bill Payment Processor.
“HOME BANKING” means online banking, Mobile Web and Mobile Apps.
“Multi-Factor Authentication’ and ‘MFA’” means our multi-factor authentication
security product.
“Password” means the unique, confidential string of characters used for identification
purposes in connection with the HOME BANKING and BILL PAY SERVICES.
“Payee” and “Payees” mean any individual(s), financial institution(s), company(s),
merchant(s) or other business entity or entities in the United States or Territory thereof
that you wish to pay using BILL PAY SERVICES.

“Transfer(s)” means any electronic transaction, including a deposit, withdrawal or bill
payment made electronically.
“Username” means the unique string of characters that you keyed in during your
enrollment in HOME BANKING and BILL PAY SERVICES.
II. SETUP AND USE OF HOME BANKING.

Please read the Agreement and retain for your records. If you are receiving this Agreement electronically, you may want to print this Agreement or save it for future reference. YOUR USERNAME. During the initial registration process, you will be asked to create a
Username which will be used for subsequent logins. This Username must be 8-16
characters in length and contain at least one (1) letter or one (1) symbol. Once entered and
saved, your User Name can be changed via the online channel.
YOUR PASSWORD. To use HOME BANKING, you will be required to have a Password
that is 8-16 characters long that must contain at least one (1) letter and must contain at
least one (1) number, and must contain at least one (1) special character or symbol (a
special character is any one of the following: ! @ # $ % ^ & * _ + - = ( ) [ ] { } | : ; ` , . / ?)
which you must use in order to access HOME BANKING. Your password cannot be the
same as your Username and cannot contain leading or trailing blanks. In addition, when
changing your password, you may not reuse the last four (4) passwords. For security
reasons, you must change your Password at the time of first use HOME BANKING.
Passwords are case sensitive.

MULTI-FACTOR AUTHENTICATION. After you have selected a Username and Password
during the registration process, you will be required to enroll in Multi-Factor Authentication. To
enroll in Multi-Factor Authentication, you will be required to have a valid phone number where a
verification code may be sent. You will be prompted with Multi-Factor Authentication every
time you access HOME BANKING or BILL PAYMENT SERVICES from a computer that is
designated as a public device.
III. HOME BANKING SERVICES.
HOME BANKING ACCESS. Our Internet address is https://www.wpcu.coop. You
must use your Username and Password to obtain access to HOME BANKING after the
initial registration process is completed and you are approved. With HOME
BANKING, you can perform the following transactions:
Obtain balances and other information on your Accounts; obtain balances and
other information on your personal line-of-credit accounts; Home Master Equity
Line-of-Credit accounts, Home Master Second Mortgage loans, and other
consumer loan accounts including your WPCU Credit Card(s) that you have with
us (“Loan Accounts”). You may obtain balance information on first mortgage
loans and additional mortgage information using a separate link for loans serviced
by Central Loan Administration and Reporting (CENLAR) which can be accessed
through a separate link within HOME BANKING.
Make transfers between your Accounts and to make transfers from your Accounts to pay your Loan Accounts. Obtain advances from your personal line-of-credit, Credit Card, and Home Master Equity Line-of-Credit accounts, to be deposited into your Accounts. Review up to the last 12 months transaction activity on your Accounts and Loan Accounts. Download selected transactions from your Accounts and Loan Accounts to personal financial management software such as Quicken®, QuickBooks®, and Microsoft Money®; as well as download selected transactions from your Accounts and Loan Accounts into a spreadsheet such as Microsoft Excel®. Make transfers from your Accounts into third party Credit Union Accounts that you have linked to your Accounts. Change your mailing address, change your e-mail address, and change your security questions. Place a stop payment on a check that you have written. You cannot place a stop payment order on a cashier’s check. HOME BANKING Password and Username.
BILL PAY SERVICES and Mobile Banking services by clicking the
link from this website. WPCU HAS ENTERED INTO SEPARATE
AGREEMENTS WITH THIRD PARTY PROVIDERS FOR THESE
SERVICES. WPCU DOES NOT PROVIDE THE SERVICE DIRECTLY AND
SPECIFICALLY DOES NOT MAKE ANY WARRANTIES CONCERNING
THE BILL PAY SERVICE OR THE MOBILE BANKING SERVICE AND IS
NOT LIABLE FOR ANY CLAIMS, LOSSES, ERRORS, OR ANY PROBLEMS
RESULTING FROM OR ASSOCIATED WITH THE BILL PAY OR MOBILE
BANKING SERVICES.
Enroll in Mobile Deposit by clicking a link from this website and accepting the Mobile Deposit Disclosure and Agreement Addendum to this Agreement (“Mobile Deposit Agreement”). By accepting the Mobile Deposit Agreement you understand the Section VII of this Agreement also applies to mobile deposit services. WPCU WILL NOT PROVIDE MOBILE DEPOSIT SERVICES DIRECTLY AND SPECIFICALLY DOES NOT MAKE ANY WARRANTIES CONCERNING THE MOBILE DEPOSIT SERVICES AND IS NOT LIABLE FOR ANY CLAIMS, LOSSES, ERRORS, OR ANY PROBLEMS RESULTING FROM OR ASSOCIATED WITH THE MOBILE DEPOSIT SERVICES. LIMITATIONS ON TRANSFERS. 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
telephonic agreement, order, or instruction, or by check, draft, debit card, or similar order
made by you and payable to a third party. A preauthorized transfer includes any
arrangement by the Credit Union to pay a third party from your regular share account or
money market account upon written or oral instruction, including an order received
through an automated clearing house (ACH) or any arrangement by a depository
institution to pay a third party from your regular share account or money market account
at a predetermined time or on a fixed schedule. If you exceed the transfer limitations set
forth above in any statement period, your regular share account and money market
account will be subject to closure by the Credit Union or we may revoke your access to
HOME BANKING.

We will not be required to complete a withdrawal or transfer from your Accounts if you
do not have enough money in the designated Account to cover the transaction. However,
we may complete the transaction. You agree not to use HOME BANKING to initiate a
transaction that would cause the balance in your designated Account to go below zero. If
you have a line-of-credit, you agree not to use HOME BANKING to initiate a
transaction that would cause the outstanding balance of your line-of-credit to go above
your credit limit. 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 amount or transferred
amount immediately upon our request. We also will refuse to complete your HOME
BANKING transactions if we have canceled your HOME BANKING access, or we
cannot complete the transaction for security reasons.
The functions and limitations of HOME BANKING may be updated, without notice, at
the option of the Credit Union in order to provide improved service to the membership.
FEES FOR HOME BANKING.
There will be no monthly service fee to use HOME BANKING. Please refer to
Schedule 1 for the fees associated with the online BILL PAY SERVICE.
Other fees may be charged to your account per the General Fee Schedule. If funds are not available in your checking account to pay any of the fees described above, the amount of the fees will be deducted from your share account. ACCOUNT STATEMENTS. Your periodic statement will specifically identify each
electronic transaction. You will receive a monthly Account statement for each month in
which you initiate electronic transactions. Additionally, through HOME BANKING,
you can view your cleared transaction activity and print a copy for the last twelve (12)
months at any time.
PREAUTHORIZED PAYMENTS. You may not use HOME BANKING to enter into
preauthorized payment arrangements.
SERVICES.
SETUP AND USE OF BILL PAY SERVICES.
ELIGIBILITY. In order to activate BILL PAY SERVICES, you must have an
open share (savings) and checking account with us. Your password to gain access
to BILL PAY SERVICES is your Credit Union HOME BANKING Password.
ACCESS. BILL PAY SERVICES are generally accessible 24 hours a day,
seven days a week, except for reasonable periods, on a daily basis, for system
maintenance. Under no circumstances will we be liable for any failure to provide
access to BILL PAY SERVICES. We may modify, suspend, or terminate access
to the BILL PAY SERVICES at any time and for any reason without notice or
refund of any fees.
EQUIPMENT REQUIREMENTS. A computer with a modem, access to the
Internet, and a web browser able to support 256-bit encryption are required to use
the BILL PAY SERVICES. You are responsible for the correct installation of a
web browser in order to gain Internet access to and use the BILL PAY
SERVICES. We are not responsible for any errors, damages or other losses you
may suffer due to malfunction or misapplication of any system used including
your browser, Internet service provider, software, or any equipment you may use
(including telecommunications facilities, computer hardware and modem) to
access and/or use the BILL PAY SERVICES.
SERVICES.
BILL PAY SERVICES IN GENERAL. You may use the BILL PAY
SERVICES to access your Designated Bill Pay Account. These activities are
limited to the extent noted herein and in the Account Agreement governing your
various Accounts. Through the BILL PAY SERVICES, you can pay bills either
on an automatic, recurring basis or periodically as you request. You must provide
us with the name and address of each Payee, your account/reference number (if
any) with that party and any other information we require to properly debit your
Designated Bill Pay Account with us and credit your account with the Payee.
PROHIBITED PAYMENTS: You may not make any alimony, child support, tax,
or other governmental or court-ordered payment using the BILL PAY
SERVICES. If you wish to add or delete a Payee, you may make these changes
online by accessing the BILL PAY SERVICES. You authorize us to make all
changes you submit through the HOME BANKING and BILL PAY
SERVICES or that are submitted by any other person accessing the BILL PAY
SERVICES with your correct Username and Password. You authorize our Bill
Pay Processor to modify the Payee information as needed to comply with the
requirements of the Payee. Our BILL PAY SERVICES allow you to:
Issue one-time and recurring payments to pay balances on accounts with other institutions and individuals; Receive e-bills if supported by the Payee; and SPECIFIC INFORMATION REGARDING BILL PAY SERVICES. When
you sign up for BILL PAY SERVICES, you must designate an Account with us
as your Designated Bill Pay Account for use in connection with BILL PAY
SERVICES. By using the BILL PAY SERVICES; you may make payments
("Bill Pay Payment(s)") daily in any amount between $ 1.00 and $19,999.99;
however each transaction shall be no larger than $9,999.99. When you schedule a
Bill Pay Payment, you authorize us to withdraw the necessary funds from the
Designated Bill Payment Account. We may refuse to act on your instruction if
sufficient funds, including funds available under any overdraft plan, are not
available in your Designated Bill Pay Account on the date we attempt to process
payment. We reserve the right to enforce minimum and maximum payment
amounts different from those listed here.
PROCESSING BILL PAY PAYMENTS. When scheduling a Bill Pay Payment
you select the Deliver By Date. We deduct the amount of your transaction from
your Designated Bill Pay Account on the Deliver By Date if the Bill Pay Payment
is processed electronically. Bill Pay Payments processed by check will be
deducted from your Designated Bill Pay Account when the Payee negotiates the
check, but no earlier than the Deliver By Date. In the event the payment is not
received by the Payee on the specified date, our Bill Pay Processor will then
research the issue directly with your Payee. If all information provided by you,
such as Payee information, Account information, Deliver By Date, etc. is correct,
our Bill Pay Processer will reimburse you for any late fees incurred and not
waived by the Payee, up to a maximum of $50.00 per Bill Pay Payment.
For all Payees, you must enter your account/reference number and address as they
appear on the relevant payment stub or invoice. Occasionally a Payee may choose
not to participate in the BILL PAY SERVICES, or may require additional
information before accepting payments electronically. We work with these Payees
to encourage them to accept an electronic payment or check from us. If we are
unsuccessful, or if we believe that the Payee cannot process payments in a timely
manner, we may decline to make future Bill Pay Payments to that Payee. In the
unlikely event that this occurs, we will send you a notice. We may always refuse
to make Bill Pay Payments to certain Payees.
HOW BILL PAY PAYMENTS ARE MADE. Based on the information you
have provided to us regarding the Payee, we process Bill Pay Payments by either
sending an electronic transmission to the Payee or by mailing a check to the
Payee. Please note, Payees who receive Bill Pay Payments via electronic delivery
will also receive your payment information, including the Account number,
through an electronic link. Electronic payments are generally received and
credited by most Payees within three Business Days. All checks are mailed
through the U.S. Postal Service. Check payments are generally received and
credited by most Payees within five to seven Business Days.
CANCELING PAYMENTS. You may cancel a pending Bill Pay Payment. To
cancel, you must go to the Scheduled Payments area in BILL PAY and follow the
instructions regarding cancellation. Pending payments can be canceled up to 4:00 ET on the Business Day before the Deliver By date. Expedited Bill Pay Payments cannot be canceled. FEES AND ACCOUNT BLOCKING.
For the fees applicable to your BILL PAY SERVICES, refer to the "HOME
BANKING and BILL PAY Fee Schedule" attached as Schedule 1. You agree to
promptly pay all fees and charges for BILL PAY SERVICES when rendered and
authorize us to debit your Designated Bill Payment Account. If you close your
Designated Bill Payment Account, you must notify us and promptly pay all
accrued but unpaid fees and charges.
In the event that we return a Bill Pay Payment as uncollected to our Bill Pay
Processor, you agree to pay any insufficient fund (NSF) fees charged to your
Designated Bill Pay Account. We will send you insufficient funds notices in
paper or by email notification/eNotice. As part of the recollection process, our
Bill Pay Processor will block your access to the BILL PAY SERVICES and
cancel any scheduled payments that are set up on the Designated Bill Pay
Account for each day the block is in place. A payment cancellation email will be
sent to you for the Bill Pay Payments canceled during the block time. Our Bill
Pay Processor will attempt to recollect payment two (2) additional times from
your Designated Bill Pay Account, which could result in additional WPCU NSF
Fees being charged to you. Our Bill Pay Processor will also attempt to contact
you via phone to collect the funds owed. Once the funds have been collected by
our Bill Pay Processor the block on your Designated Bill Pay Account will be
removed after a three (3) Business Day hold time. At that point, any scheduled
and recurring payments set to process after the hold release will then process as
requested.
OUR RIGHTS AND RESPONSIBILITIES
If you provide us with timely, complete, correct and accurate information and we do not then accurately complete a Bill Pay Payment from your Designated Bill Pay Account or if we fail to cancel a transaction as properly requested or in the correct amount according to your instructions, we are liable for your losses or proximate damages as provided herein. Our sole responsibility for an error will be to correct the error. There are some exceptions to our liability for processing transactions on your Designated Bill Pay Account. For example, we will not be liable: A. If, through no fault of ours, you do not have enough money in your Designated Bill Pay Account to make the transfer; If the transfer would go over the credit limit on your overdraft line, if any; If a legal order directs us to prohibit withdrawals or transfers from the Designated Bill Pay Account; If circumstances beyond our control such as interruption of telephone service or telecommunication facilities, natural disaster such as fire or flood, or handling of payments by a third party prevent the transfer, despite reasonable precautions taken by us; If you have not provided us with complete and correct information, including without limitation the name, address, account number and payment amount for the Payee on a Bill Pay Payment; If you have not properly followed instructions for using the Bill Pay Services; If your operating system or software was not properly installed or functioning properly; If you, or anyone authorized by you, commits any fraud or violates any law or regulation; or As otherwise stated in your Account Agreement. There may be times when you need to speak with someone immediately (especially to report a lost or stolen Password, or to stop a payment). In these cases, you should not use electronic messaging; instead, call our Member Help Center at 1-937-912-7000 or 1-800-762-0047. Notices under Section V.2. "Liability for Unauthorized Transactions" will be
effective once you have done whatever is reasonably necessary to give us the
information we need-such as by telephoning us.
ACCOUNT STATEMENTS
Your periodic statement will specifically identify each electronic transaction. You will
receive a monthly Account statement for each month in which you initiate electronic
transactions. Additionally, through BILL PAY SERVICES, you can view your cleared
transaction activity and print a copy for at least the last six months at any time.
ADDITIONAL PROVISIONS APPLICABLE ONLY TO CONSUMER AND SOLE
PROPRIETOR ACCOUNTS.
IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC
TRANSFERS. Telephone us at 1-937-912-7000 or 1-800-762-0047, send an email to
[email protected], or write us at Wright-Patt Credit Union, Inc., P. O. Box 286,
Fairborn, Ohio 45324, Attention: eServices as soon as you can, if you think your
statement is wrong or if you need more information about a transfer or Bill Pay Payment
listed on your Account statement. We must hear from you no later than 60 days after we
send the FIRST Account statement on which the problem or error appears.
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. 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. We will tell you the results of our investigation within 10 Business Days after we hear from you and we 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 recredit 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 questions in writing and we do not receive it within 10 business days, we may not recredit your Account. If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. For errors involving new Accounts, (your complaint or questions involve a transaction to or from an Account within 30 days after the first deposit to the Account was made) point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new Accounts, 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 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. LIABILITY FOR UNAUTHORIZED TRANSACTIONS. You will be liable for
unauthorized access to your Accounts via HOME BANKING and/or BILL PAY
SERVICES to the extent allowed by applicable federal and state law. The following
description of your liability for unauthorized access to your Accounts via HOME
BANKING and/or BILL PAY SERVICES is required by federal law: Please notify us
AT ONCE if you believe your Account number, Username, Password, or any record
thereof, has been lost or stolen, or if any of your Accounts have been accessed without
your authority. Telephoning is the best way of limiting your possible losses, but you can
also email us at [email protected]. If you do not notify us promptly, it is possible
that you could lose all the money in your Accounts, plus your maximum overdraft line-
of-credit.
If you tell us within two (2) Business Days after learning of the loss or theft or unauthorized access, you can lose no more than $50 if someone accesses your Account without your permission. If you do NOT tell us within two (2) Business Days after you learn of the loss, theft or unauthorized access, and we can prove we could have stopped someone from accessing your Account without permission if you had told us, you could lose as much as $500. Also, if your Account statement shows transfers or Bill Pay Payments that you did not make, or authorize, you must inform us at once. If you do not tell us within 60 days after the FIRST paper or online Account statement showing such a transaction was sent 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. If you believe your Account number, Password, Username, or any record thereof,
has been lost or stolen, or if any of your Accounts have been accessed without
your authority, or if someone has transferred or may transfer money from your
Accounts by accessing your Accounts without permission, call 1-937-912-7000 or
1-800-762-0047 or write Wright-Patt Credit Union, Inc., P. O. Box 286, Fairborn,
Ohio 45324, Attention: HOME BANKING SERVICES.
AUTHORIZED USE OF SERVICES BY OTHER PERSONS. You are responsible
for keeping your Username and Password and Account data confidential. We are
entitled to act on transaction instructions received using your Username and
Password and you agree that use of your Username and Password will have the
same effect as your signature authorizing the transaction. If you authorize other
persons to use your Username and Password in any manner, said authorizations will
be considered unlimited in amount and manner until you have notified us in writing
that you have revoked the authorization and changed the Username and Password.
You are responsible for any transactions made by such persons until you notify us
that transactions by that person are no longer authorized and we have a reasonable
opportunity to act upon the change of your Username and Password. Transactions
that you or someone acting with you initiates with fraudulent intent are also authorized
transactions. We may revoke your HOME BANKING and/or BILL PAY SERVICES
access at any time without notice to you.
TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer
to or from your Accounts or Designated Bill Pay Account on time, in the correct amount,
and we have agreed to perform it, with certain exceptions, we will be liable for your
losses or proximate damages. Section III. 2. of this Agreement lists a number of
situations in which we do not agree to complete withdrawals or transfers. We also will
not be liable:
If the funds in your Accounts are subject to legal process or other encumbrance restricting the transaction; If circumstances beyond our control such as interruption of telephone service or telecommunication facilities, natural disaster such as fire or flood, or handling of payments by a third party prevent the transfer, despite reasonable precautions taken by us; If you have not properly followed instructions for using HOME BANKING
AND/OR BILL PAY SERVICES;
If your operating system or software was not properly installed or functioning properly; If you, or anyone authorized by you, commits any fraud or violates any law or regulation; If you have reported an unauthorized use of your Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password, or as otherwise stated in your Account Agreement. There may be other exceptions as provided by applicable law. ADDITIONAL PROVISIONS APPLICABLE ONLY TO BUSINESS ACCOUNTS
(OTHER THAN SOLE PROPRIETOR ACCOUNTS)
You agree that we may send notices and other communications, including Password confirmations, to the current address shown on our records, whether or not that address includes a designation for delivery to the attention of any particular individual. You further agree that WPCU will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business. You agree to (a) keep your Username or Password secure and strictly confidential, providing it only to authorized signers on your accounts; (b) instruct each person to whom you give your Username or Password that he or she is not to disclose it to any unauthorized person; and (c) immediately notify us and select a new Username or Password if you believe your Username or Password may have become known to an unauthorized person. Contacting us right away will help you reduce possible losses. Telephoning us is the best way to notify us. Call us or write to us at the telephone number or address set forth in Section V. 1. (above). YOU ARE FULLY RESPONSIBLE FOR ANY TRANSACTIONS MADE BY USE OF YOUR USERNAME OR PASSWORD TO ACCESS YOUR ACCOUNTS. YOU AGREE TO IMMEDIATELY REIMBURSE US FOR ANY LOSS, CLAIM, OR DAMAGE WHICH WE SUSTAIN AS A RESULT OF THE USE OF ANY USERNAME OR PASSWORD ISSUED AT YOUR REQUEST TO ACCESS YOUR ACCOUNTS. WE WILL HAVE NO LIABILITY TO YOU FOR ANY LOSS, CLAIM, OR DAMAGE WHICH YOU SUSTAIN AS A RESULT OF THE UNAUTHORIZED USE, PAYMENT, OR TRANSFER MADE USING YOUR USERNAME OR PASSWORD. EXCEPT AS OTHERWISE PROVIDED BY LAW, WE WILL HAVE NO LIABILITY TO YOU FOR ANY LOSS, CLAIM, OR DAMAGE EVEN IF YOUR USERNAME OR PASSWORD IS LOST, STOLEN OR OBTAINED OR RETAINED BY A PERSON NOT AUTHORIZED BY YOU TO INITIATE ELECTRONIC FUNDS TRANSFERS AND EVEN IF THE USE OCCURS AFTER YOU HAVE ASKED US TO DEACTIVATE THE USERNAME OR PASSWORD, WHETHER OR NOT WE HAVE ACTED ON THAT REQUEST. We may suspend or cancel your Username or Password even without receiving such notice from you, if we suspect your Username or Password is being used in an unauthorized or fraudulent manner. HOME BANKING and BILL PAY SERVICES you acknowledge and agree
that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which we implement in compliance with these procedures. LIMITATION OF WPCU’S LIABILITY FOR PAYMENT OR TRANSFERS TO
OR FROM ACCOUNTS WITHIN WPCU: If we fail or delay in making a payment or
transfer pursuant to your instructions, or if we make a payment or transfer in an erroneous
amount that is less than the amount per your instructions, unless otherwise required by
law, our liability shall be limited to dividends (interest) on the amount that we failed to
timely pay or transfer, calculated from the date on which the payment or transfer was to
be made until the date its was actually made or you canceled the instructions. We may
pay such interest either to you or the intended recipient of the payment or transfer, but in
no event will we be liable to both parties, and our payment to either will fully discharge
any obligation to the other. If we make a payment or transfer in an erroneous amount that
exceeds the amount per your instructions, unless otherwise required by law, our liability
will be limited to a refund of the amount erroneously paid or transferred, plus interest
thereon from the date of the payment or transfer to the date of the refund, but in no event
to exceed 60 days’ interest. UNLESS OTHERWISE REQUIRED BY LAW, IN NO
EVENT WILL WPCU BE LIABLE TO YOU FOR SPECIAL, INDIRECT OR
CONSEQUENTIAL DAMAGES INCLUDING, WITHOUT LIMITATION, LOST
PROFITS OR ATTORNEY’S FEES, EVEN IF WE WERE ADVISED IN ADVANCE
OF THE POSSIBILITY OF SUCH DAMAGES. Please note that if you give or make
reasonably available, your Username or Password or other access devise or code to
anyone, you may be liable for any use made of such until you advise us that such person
is not authorized to use your Username or Password or access device and we have had a
reasonable opportunity to act on your notice.
4. LIMITATION OF LIABILITY FOR BILL PAY SERVICES. You agree that the
Password security described in this Agreement sets forth security procedures for electronic transfers that are commercially reasonable. For payment requests from Business Accounts, which are subject to Ohio Revised Code Chapter 1304 (Article 4A of the Uniform Commercial Code (“UCC 4A”)), we are liable only for damages required to be paid under UCC 4A. In no event will we be liable for any special, indirect, or consequential loss, damage, costs or expense of any nature, including, without limitation, lost profits, even if we have been informed of the possibility of such damages, except as may be required by law. GENERAL PROVISIONS FOR ALL SERVICES AVAILABLE THROUGH THIS
HOME BANKING SITE
1. LIMITATION OF LIABILITY.
SUBSIDIARIES OR AFFILIATES AND ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS OR REPRESENTATIVES BE LIABLE, WHETHER IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE (WHETHER CAUSED BY US, THE HARDWARE OR SOFTWARE OR A SYSTEM- WIDE FAILURE), FOR ANY INDIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES (INCLUDING WITHOUT LIMITATION LOST PROFITS, COST OF PROCURING SUBSTITUTE SERVICE, LOST OPPORTUNITY OR ANY OTHER LOSS OR INJURY) ARISING OUT OF OR IN CONNECTION WITH WPCU HOME BANKING SERVICES OR BILL PAY SERVICES OR WITH ANY AND ALL OTHER SERVICES THAT YOU CAN ENROLL IN THROUGH THIS SITE OR FROM A LINK FROM THIS SITE (HEREINAFTER “ONLINE SERVICES”), THE DELAY OR INABILITY TO ACCESS OR USE THE ONLINE SERVICES, TO THIS SITE OR A LINKED SITE, EVEN IF WE ARE MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THIS LIMITATION ON LIABILITY INCLUDES, BUT IS NOT LIMITED TO, THE TRANSMISSION OF ANY VIRUSES WHICH MAY INFECT A USER'S EQUIPMENT, FAILURE OF MECHANICAL OR ELECTRONIC EQUIPMENT OR COMMUNICATION LINES, TELEPHONE OR OTHER INTERCONNECT PROBLEMS (e.g., IF YOU CANNOT ACCESS YOUR INTERNET SERVICE PROVIDER), UNAUTHORIZED ACCESS, THEFT, OPERATOR ERRORS, STRIKES OR OTHER LABOR PROBLEMS OR ANY FORCE MAJEURE EVENT. WE CANNOT AND DO NOT GUARANTEE CONTINUOUS, UNINTERRUPTED OR SECURE ACCESS TO ONLINE SERVICES. IN STATES THAT DO NOT ALLOW EXCLUSION OR LIMITATION OF LIABILITY FOR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY APPLICABLE LAW.
2. DISCLAIMER OF WARRANTIES. ALL CONTENT, PRODUCTS, AND
SERVICES AVAILABLE ON OR THROUGH THIS SITE, ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, SECURITY, COMPLETENESS, ACCURACY OR FREEDOM FROM COMPUTER VIRUS, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW. PAYMENTS. The transactions you make on HOME BANKING and BILL
PAY SERVICES are “real time” transactions and cannot be canceled except by
performing corresponding reverse transactions. If you use BILL PAY SERVICES or
transfer money into a third party account, transfer money into your Accounts, or make
payments on your Loan Accounts, you will not be able to reverse that transaction. You
can use HOME BANKING to place a stop payment order on any check drawn on your
Account that has not been paid, certified, or issued through the BILL PAY system. Stop
payments orders cannot be made on cashier’s checks or money orders. Stop payment
orders made through HOME BANKING are effective for six months. You can also
renew previous stop payment orders. We do not have to notify you when a stop payment
order expires. In order to place a stop payment order you must provide us with the exact
Account number and the number on the check. You understand that the exact information
is necessary for the Credit Union computer to be able to identify the check. We will not
be responsible if the information you give is not correct. We are entitled to a reasonable
amount of time after you give a stop payment order to notify our employees. If we re-
credit your Account after paying a check over a valid stop payment order, you agree to
transfer to us all of your rights against the Payee or other holder of the check, and to
assist us in legal action taken against that person later on. A release or cancellation of a stop payment order may be given by any person who is authorized to use your Username or Password and draw checks against the Account. You agree that the stop payment order fee listed on the General Fee Schedule will be deducted from your Account.
4. OUR RULES, REGULATIONS AND OTHER AGREEMENTS. In addition to this
Agreement, you may have separate agreements for each of your Accounts and/or Designated Bill Pay Accounts. In addition, your Accounts and/or Designated Bill Pay Accounts are also subject to the WPCU Membership and Account Agreement, Funds Availability Disclosure, General Fee Schedule, and WPCU rules and regulations. Your Accounts and/or Designated Bill Pay Accounts may also be subject to other agreements for other services, such as Mobile Banking, and Wire Transfer services. Those agreements will continue to apply to each of your Accounts. If this Agreement conflicts with another agreement or another agreement has terms that are not addressed in this Agreement, then the other agreement will control and take precedence, unless this Agreement specifically states otherwise. The other agreement will only control with respect to the service it is associated with, and only to the extent necessary to resolve the conflict or inconsistency.
5. EVIDENCE. If we go to court for any reason, we can use a copy, microfilm,
microfiche, or photograph of any document or agreement to prove what you owe or that a transaction has taken place and the copy, microfilm, microfiche, or photograph will have the same validity as the original. 6. TERMINATING THIS AGREEMENT. You can terminate this Agreement at any
time by notifying us in writing and no longer using your Username or Password. We can also terminate this Agreement at any time. Whether you terminate the Agreement or we do, the termination will not affect your obligations under this Agreement, even if we allow any transaction to be completed with your Username or Password after this Agreement has been terminated.
7. CHANGING THIS AGREEMENT. EXCEPT AS OTHERWISE REQUIRED BY
LAW, WE MAY IN OUR SOLE DISCRETION CHANGE THE TERMS OF THIS
AGREEMENT FROM TIME TO TIME AND AT ANY TIME. THIS MAY INCLUDE
ADDING NEW OR DIFFERENT TERMS TO, OR REMOVING TERMS FROM, THIS
AGREEMENT. When changes are made we will update this Agreement on the website.
The website will be updated on or before the effective date of the change, unless an
immediate change is necessary to maintain the security of the system or unless a law,
rule, or regulation requires that it be updated at an earlier time. You will be notified as
soon as possible when any changes are made which materially affect your rights, such as
changes regarding how your information is maintained or used, or changes to this
Agreement. You will be notified of such changes in the Credit Union’s monthly
newsletter, the MemberMatters, and/or in a special mailing to members with ONLINE
SERVICE. Your continued use of ONLINE SERVICE constitutes acceptance of all
changes to the terms and conditions of this Agreement.
8. NOTICES. All notices from us will be effective when we have mailed them or delivered
them to the last Address that we have for you in our records. We may send notices to you by Electronic Messaging. Notices from you will generally be effective once we receive them at Wright-Patt Credit Union, Inc., P. O. Box 286, Fairborn, Ohio 45324, Attention:
HOME BANKING SERVICES. You may use Electronic Messaging to contact us
about inquiries, maintenance and/or some problem resolution issues. Even though it is a
secure messaging system, we do not recommend that you send confidential personal or
financial information. Notices under Section V. 2. (“Liability for Unauthorized
Transactions”) will be effective once you have done whatever is reasonably necessary to
give us the information we need-such as by telephoning us. There may be times when
you need to speak with someone immediately (especially to report a lost or stolen
Password, or to stop a payment). In these cases, do not use Electronic Messaging;
instead, call our Contact Center at 1-937-912-7000 or 1-800-762-0047.

9. COLLECTION
EXPENSES. If we ever have to file a lawsuit to collect what you owe
us, you will pay our reasonable expenses, including attorney’s fees.
10. SHARING YOUR PERSONAL INFORMATION WITH OTHERS. The importance
of maintaining the confidentiality and privacy of the information provided by our
members is one of our highest priorities. You should carefully review our Privacy
Statement that is deemed a part hereof by this reference. We recognize the importance of
protecting the confidentiality of your personal information. Personal information includes
all of the personally identifying information that you provide to us in connection with the
Account and use of ONLINE SERVICES.

11. Use of Cookies. The ONLINE SERVICES require cookies to be enabled; however,
the cookie does not contain Username or Password information.

12. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS. You authorize us to
obtain any information deemed necessary to process your application for access to
ONLINE SERVICES. Additionally, you agree that we will disclose information to third
parties about your Accounts and Designated Bill Pay Accounts or the ONLINE
SERVICE transactions you make:
Where it is necessary for completing or documenting transactions or resolving errors involving transactions; In order to verify the existence and condition of your Accounts and Designated Bill Pay Accounts; In order to comply with orders or subpoenas of government agencies or courts; or other legal process or in order to give information to any government; or 13. APPLICABLE STATE LAW. This Agreement shall be governed by and construed in
accordance with the laws of the State of Ohio. Your existing Account relationships shall continue to be governed by and construed in accordance with your Account Agreement. If any term of this Agreement cannot be legally enforced, this Agreement is to be considered changed to the extent necessary to comply with the law. 14. WAIVER. Our failure to act with respect to a breach by you or others does not waive
our right to act with respect to subsequent or similar breaches. We may agree in writing to waive a provision of this Agreement, including a fee. We may revoke any waiver.
15. HEADINGS. Headings are for reference only and in no way define, limit, construe, or
describe the scope or extent of such section.
16. OWNERSHIP OF WEBSITE. All content on this website is copyrighted by Wright-
Patt Credit Union, Inc. and the unauthorized use, reproduction, linking or distribution of
any portion is strictly prohibited. All information, including designs, content and images,
related to HOME BANKING is owned by Intuit, Inc. or us and/or licensed to us. All
information, including designs, content and images, related to BILL PAY is owned by
FIS, Inc. or us and/or licensed to Intuit, Inc. or us. Other trademarks logos and service
marks (“Marks”) displayed on this website to identify the source of services and products
are our property or the property of their respective third-party owners. All information
and content including any software programs available on or used to access this website
(“Content”) is proprietary to their respective owners. You are prohibited from modifying,
copying, distributing, transmitting, displaying, publishing, selling, licensing, creating
derivative works or using any of the Marks or Content available on or through this
website for commercial or public purposes.
We prohibit caching, unauthorized links to this website and framing of any Content available through this website. We reserve the right to disable any unauthorized links or frames and specifically disclaim any responsibility for the content available on any other Internet sites linked to this website. Accessing any other Internet sites linked to this website is at your own risk. You should be aware that linked Internet sites may contain rules and regulations, privacy provisions, confidentiality provisions, transmission of personal data provisions, and other provisions that differ from the provisions provided on this website. We are not responsible for such provisions and expressly disclaim any and all liability related to such provisions. All other provisions hereof notwithstanding, postings by a user on any message board or in any chat room will not be protected as confidential and we may use and provide information contained in any such postings (including any ideas, concepts, know-how or other intellectual property) to any of our subsidiaries and/or affiliates for any purpose whatsoever and as deemed appropriate by us. 17. DISPUTE RESOLUTION PROGRAM: ARBITRATION PROVISION
NOTWITHSTANDING ANY OTHER AGREEMENT YOU HAVE WITH US, YOU AND WE MUTUALLY AND WILLINGLY WAIVE THE RIGHT TO A TRIAL BY JURY OF ANY AND ALL CONTROVERSIES, CLAIMS OR DISPUTES (“DISPUTES”) BETWEEN OR AMONG EITHER YOU OR US ARISING OUT OF, OR RELATING TO, THIS AGREEMENT AND USE OF ONLINE SERVICES. FURTHER YOU AND WE AGREE THAT NEITHER YOU NOR WE WILL BE ENTITLED TO JOIN OR CONSOLIDATE ANY DISPUTE BY OR AGAINST OTHERS IN ANY ARBITRATION, OR TO INCLUDE IN ANY ARBITRATION ANY DISPUTE AS A REPRESENTATIVE OR MEMBER OF A CLASS, OR TO ACT IN ANY ARBITRATION IN INTEREST OF THE GENERAL PUBLIC OR IN A PRIVATE ATTORNEY GENERAL CAPACITY. In the event of any Dispute arising from or relating to this Agreement or other
ONLINE SERVICES or the alleged breach thereof, the Parties agree to use their
best efforts to consensually settle such Dispute. If they do not reach such a
resolution within a period of sixty (60) days, then, upon notice by either Party to
the other, all such Disputes shall be finally settled by binding arbitration, before a
single arbitrator, with expertise in the substantive laws applicable to the subject
matter of the Dispute, administered by the American Arbitration Association (the
“AAA”) in accordance with the provisions of its Commercial Arbitration Rules.
The arbitration shall be conducted in the County of Greene, State of Ohio. The
individual who will serve as the arbitrator and the rules under which the
arbitration will be conducted will be determined by mutual agreement of the
Parties. If the Parties are unable to agree on any such matters, within fifteen (15)
days of the initial request, then those matters upon which the Parties are unable to
agree will be determined by the AAA in its sole and absolute discretion. The final
decision of the arbitrator may be reduced to, and entered as, a judgment in any
court of competent jurisdiction. Notwithstanding anything to the contrary
contained in this Arbitration Provision or elsewhere in this Agreement, any claim
for equitable relief only may be brought at any time in any court of competent
jurisdiction.

C. A filing fee is required to be paid to the AAA when the demand or request for arbitration is submitted. This fee must be paid by the Party initiating the arbitration procedure. However, if a Party initiates a lawsuit, which lawsuit is stayed by the Arbitration Provision, the plaintiff in the lawsuit must pay the filing fee. The losing Party to the arbitration is liable for all administrative fees for the arbitration. If the arbitrator finds that more than one Party to the arbitration proceedings is at fault, the arbitrator shall order the division of the administrative fees between such Parties. E. In order to commence the arbitration proceeding with the American Arbitration Association, it is necessary to file a “Demand for Arbitration”. A notice for “Demand for Arbitration may be obtained from: The American Arbitration Association 444 Vine Street Suite 3308 Cincinnati, Ohio 45202-2973 Telephone Number (513) 241-8434 Or by visiting the AAA website at www.adr.org This Arbitration Provision and the exercise of any right you and we have under this Arbitration Provision do not stop you or us from exercising any lawful rights to use other remedies available to preserve, foreclose, or obtain possession of real or personal property; exercise self-help remedies, including setoff and repossession rights; or obtain provisional or ancillary remedies such as injunctive relief, attachment, garnishment, or court appointment of a receiver by a court having jurisdiction. You and we each agree to take all necessary steps and execute all documents necessary for the implementation of arbitration proceedings so, to the extent possible, the arbitration proceeding is completed within 180 days of the filling of the Dispute. The Parties agree not to disclose the existence, content, or results of the arbitration except for disclosures of information required in the ordinary course of business or permitted by applicable law or regulation. This provision shall be liberally construed in order to ensure the enforcement of this Arbitration Provision. All statutes of limitations applicable to any Dispute apply to any arbitration between the Parties. The provisions of this Arbitration Provision will survive termination, amendment, or expiration of your account relationship. If more than one arbitration agreement entered into by you and us is potentially applicable to a Dispute, the one most directly related to the Account or transaction that is the subject of the Dispute will control. If any term of this Arbitration Provision shall for any reason be held illegal, invalid or unenforceable, in any respect, such illegality, invalidity, or enforceability shall not affect any other terms of this Arbitration Provision, which shall be construed as if such illegal, invalid, or unenforceable terms had never been contained in this Arbitration Provision. Schedule 1
WPCU Home Banking and Bill Pay Fee Schedule

WPCU HOME BANKING

BILL PAY Services
Consumer Accounts FREE Business Accounts $.31 per item EXPEDITED BILL PAY FEES
Electronic
Check (Overnight Delivery) $24.99
POP MONEY FEES
Standard

MISCELLANEOUS SERVICE PROVIDER FEES:
Return item fee $25.00 each Bill Payment photocopies (per item) Other specific account fees are contained in the individual Account Disclosures or in the General Fee Schedule. THANK YOU FOR USING HOME BANKING AND BILL PAY. FOR DETAILS
RELATING TO OTHER ONLINE SERVICES SEE THE APPLICABLE ADDENDUM
AVAILABLE FROM THIS WEBSITE

Source: http://www.wpcuonline.net/HomeBankingDisclosure.pdf