Standard Register Federal Credit Union
 

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This Agreement, which covers the Electronic Funds Transfer Disclosure and the Enrollment Application, is a contract that establishes the rules governing your electronic access to your accounts at Standard Register Federal Credit Union through online account access and all other electronic means of access.  By using online account access, you accept all the terms and conditions of this Agreement.  After you have read this disclosure completely and agree, click the "I Accept" button above to continue. 
 
ELECTRONIC FUNDS TRANSFERS
YOUR RIGHTS AND RESPONSIBILITIES

TYPES OF ELECTRONIC FUNDS TRANSFERS (EFT)

Below are types of EFT we are capable of handling, some of which might not apply to your account.
"CU Online" 24/7 Account Access Computer Transfers.  You may access your accounts by computer through the Internet by logging onto our web site at www.stdregfcu.org and using your member number and Personal Identification Number (PIN) to:
  • Transfer funds between Credit Union accounts
  • Make payments from savings or checking accounts to loan accounts with us
  • Obtain information about your Credit Union accounts
Preauthorized Credits.  You may make arrangements for certain direct deposits to be accepted into your checking or savings accounts.
 
Preauthorized Payments.  You may make arrangements to pay certain recurring bills from your checking or savings accounts.
 
"Magic"Line Telephone Transfers.  You may access your account by telephone 24 hours a day at 1-937-223-3896 or 1-800-201-3896, using your PIN, a touch-tone telephone, and your member number.
 
Automated Teller Machine (ATM) Transfers (STAR, Cirrus networks).  You may access your accounts by ATM using your ATM Card or Visa Check Card and PIN to:
  • Make deposits to checking or savings accounts only in Ohio
  • Obtain cash withdrawals from checking or savings accounts with an ATM card.
    • You may withdraw no more than $200.00 per day.
    • There is a charge of $1.00 per withdrawal in excess of five per month at the STAR network
    • There is a charge of $1.00 per withdrawal in networks other than STAR
  • Obtain cash withdrawals from checking or savings accounts with a Visa Check Card
    • You may withdraw no more than $500.00 per day.
    • There is a charge of $1.00 per withdrawal in excess of five per month at the STAR network
    • There is a charge of $1.00 per withdrawal in networks other than STAR.
  • Transfer funds between checking and savings accounts
  • Obtain information about the account balance of your checking or savings account
    (Some of these services may not be available at all terminals).
Using your STAR Card, you may access your checking account to purchase goods (in person), pay for services (in person), and obtain cash from a merchant (merchant permitting), or from a participating financial institution.  You may not exceed $200.00 in transactions per day.
 
Using your Visa Check Card, you may access your checking account to purchase goods (in person or via telephone), pay for services (in person or via telephone), obtain cash from a merchant (merchant permitting), or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).  You may not exceed $2,000.00 in transactions per day.
 
FEES
 
We do not charge for direct deposits to any type of account. 
Except as indicated elsewhere, we do not charge for these electronic funds transfers.
If you use an ATM that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.
 
DOCUMENTATION
 
You can get a receipt at the time you make any transfer to or from your account using one of our ATMs or point-or-sale terminals.
 
If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us to find out whether or not the deposit has been made.
 
You will receive a monthly account statement from us for your checking accounts.  You will receive a monthly statement from us for your savings accounts, unless there are no transfers in a particular month.  In any case, you will receive a statement at least quarterly.

PREAUTHORIZED PAYMENTS
 
Right To Stop Payment.   If you have told us in advance to make regular payments out of your account, you can stop any of these payments.  Call or write us at the telephone number or address on this web site in time for us to receive your request 3 business days or more before the scheduled payment date.  If you call, we may also require you to put your request in writing and get it to us within 14 days after you call.  We will charge you $15.00 for each stop-payment order you give.
 
Notice Of Varying Amounts.   If these regular payments may vary in amount, the payee will tell you, 10 days before each payment, when it will be made and how much it will be.  (You may choose to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits you set.)
 
Liability For Failure To Stop Payment Of A Preauthorized Transfer.   If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages.
 
FINANCIAL INSTITUTION'S LIABILITY
 
Liability For Failure To Make Transfers.   If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement, we will be liable for your losses or damages.  However, there are some exceptions:
  • If, through no fault of ours, you do not have enough money in your account to make the transfer.
  • If you have an overdraft line and the transfer would go over the credit limit.
  • If the ATM where you are making the transfer does not have enough cash.
  • If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
  • If circumstances beyond our control prevent the transfer despite reasonable precautions we have taken.
  • Other exceptions as stated in this agreement.
CONFIDENTIALITY
 
We will disclose information to third parties about your account or the transfers you make:
  • Where it is necessary for completing transfers.
  • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant.
  • In order to comply with a government agency or court orders.
  • If you give us written permission.
UNAUTHORIZED TRANSFERS
 
Consumer Liability.  Tell us AT ONCE if you believe your card and/or code has been lost or stolen.  Telephoning is the best way of keeping your possible losses down.  You could lose all the money in your account (plus your maximum overdraft line of credit).  If you tell us within 2 business days, you can lose no more than $50 if someone used your card and/or code without your permission.  (If you believe your card and/or code has been lost or stolen, and you tell us within 2 business days after you discover the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.)
 
If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500.
 
Also, if your statement shows transfers that you did not make, 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 kept you from telling us, we will extend the time periods.
Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen Visa Check Card .  This additional limit on liability does not apply to ATM transactions, to transactions using your PIN that are not processed by Visa, or to commercial cards.
 
Contact In Event Of Unauthorized Transfer.   If you believe your card and/or code has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed on this web site.
 
ERROR RESOLUTION NOTICE
 
In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed on this web site, as soon as you can.  We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.
  • Tell us your name and member number.
  • Describe the error or the transfer you are unsure about, and clearly explain 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 determine whether an error occurred within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. 
 
If we need more time, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question.  If we decide to do this, we will credit your account within 10 business days (5 business days for Visa Check Card point-of-sale transactions and 20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.  If we ask you to put your complain or question in writing and we do not receive it within 10 business days, we may not credit your account. 
 
Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.
 
We will tell you the results within three business days after completing our investigation.  If we decide that there was no error, we will send you a written explanation.
 
You may ask for copies of the documents that we used in our investigation.
 
STANDARD REGISTER FEDERAL CREDIT UNION
MEMBER SERVICES
P.O. Box 1167
Dayton, OH  45401-1167
Business Days: Monday through Friday
(Excluding designated Standard Register Federal Credit Union holidays.)
Phone: (937) 223-3333 or 1-800-543-2283
 
MORE DETAILED INFORMATION IS AVAILABLE UPON REQUEST

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