Altra Federal Credit Union Funds Transfer User Agreement
Welcome
to Funds Transfer - the next generation of on-line
personal finance management.
With
our fully interactive on-line money movement service
(the "Funds Transfer Service" or the "Service"),
you may transfer funds from any of your accounts
at any financial institution to any other account
held by you or another person at the same or another
financial institution - referred to in this agreement
as "Accounts" - assuming, of course, that
the transfer is permitted by your financial institution
and by law. Please take a few minutes to read this
Funds Transfer Service Agreement (referred to throughout
as the "Agreement").
Any
reference to "Altra Federal Credit Union" in
this Agreement includes any directors, officers,
employees, contractors, service providers, agents
or licensees of Altra Federal Credit Union. As used
in this Agreement, the words "you" and "your" refer
to you as the user of the Service; the words "we," "us," "our" and
any other variation thereof refer to Altra Federal
Credit Union. When you're ready, click the "I
Agree" box to start enjoying the convenience
and financial security of Funds Transfer!
Acceptance
of Terms
This
Agreement sets out the terms and conditions (the "Terms")
on which our service provider and Altra Federal Credit
Union will provide and you may use the Service and
forms part of a legally binding agreement between
you and Altra Federal Credit Union. When you click
on the "I Agree" button, you will complete
an application to receive the Funds Transfer Service,
and you agree to accept the Terms, including any
amendments to this Agreement or any changes in the
Terms. Your application may be accepted or declined
by our service provider and/or Altra Federal Credit
Union based on specific criteria. If you do not agree
to all of the Terms, click on the "I Disagree" button.
If you do not accept and agree to all of the Terms,
you will not be entitled to use the Service. Altra
Federal Credit Union reserves the right to change
the Terms under which the Service is offered in its
sole discretion at any time; however, Altra Federal
Credit Union will notify you of any material change
to the Terms. In most cases, you will receive the
notice on-line the next time you log in; however,
Altra Federal Credit Union reserves the right to
notify you by e-mail or by conventional mail, in
its discretion. You agree that if you continue to
use the Service after we notify you of any change,
you thereby accept the changes to the Terms and agree
to be bound by this Agreement, as amended. If you
do not accept and agree to the changes to the Terms,
you will not be entitled to use the Service. You
can review, download and print the most current version
of this Agreement at any time by clicking on “Funds
Transfer Service Agreement." If you do not agree
to the changes, or if at any time you wish to discontinue
your use of the Service, you can unsubscribe by clicking
on "unsubscribe" from the Edit Profile
page or by sending Altra Federal Credit Union an
e-mail to info@altra.org or, if you prefer, by sending
a registered or certified letter to Altra Federal
Credit Union at 2715 Losey Blvd. S., La Crosse, WI
54601. Once your account with Altra Federal Credit
Union has terminated for any reason, you will have
no further right or access to use the Funds Transfer
Service. To use the Funds Transfer Service you must
be at least eighteen (18) years old and be a resident
of the United States.
Information
Authorization
By
clicking on the "I Agree" box, you authorize
us to verify your identity by obtaining information
about your credit history from a consumer reporting
agency. Altra Federal Credit Union and our service
provider will obtain and use your credit information
only in accordance with the Fair Credit Reporting
Act ("FCRA") and other applicable law.
We reserve the right to deny you access to the Service
if we cannot verify your identity or other necessary
information. We may approve or decline your application
for the Service based upon our review of your consumer
report, along with other information we deem relevant.
If we deny your request to use the Service, you may
obtain a free copy of the consumer report that we
used from the consumer reporting agency that issued
the report. In addition to obtaining a consumer report,
Altra Federal Credit Union and our service provider
reserves the right to obtain such additional information
as we deem reasonably necessary to insure that you,
or persons to whom you may transfer funds, are not
using our Service in violation of law, including,
but not limited to, laws and regulations designed
to prevent "money laundering" or the transfer
of funds to or from persons or organizations whose
accounts are blocked under regulations of the Office
of Foreign Asset Control (OFAC) of the United States
Treasury Department.
Once
you are approved for the Funds Transfer Service we
may verify your Accounts that you add to the Service
from time to time. You authorize us to validate the
Accounts through the use of a test transfer, in which
one or more low value payments will be both credited
to and debited from the Account. The test credit
will always occur before the test debit and will
always be of the same or lesser amount, so that the
balance in any of your Accounts will never be less
than the actual balance.
Once
the test transfer is complete we may ask you to access
your Account to tell
us
the amount of the test credit or debit or any additional
information reported by your bank with this test
transfer. We may also verify Accounts through requiring
the entry of information you ordinarily use to access
the Account provider's web site, or by requiring
you to submit proof of ownership of the Account.
User
Content
Subject
to Altra Federal Credit Union's Privacy Policy, you
agree that Altra Federal Credit Union may use, copy,
modify, display and distribute any information, data,
materials or other content (the "Content")
you provide to Altra Federal Credit Union for the
purpose of providing the Service, and you hereby
give Altra Federal Credit Union a license to do so.
By submitting Content, you represent that you have
the right to license such Content to Altra Federal
Credit Union for the purposes set forth in this Agreement.
Accounts
You
understand that in order to complete fund transfers,
it is necessary for Altra Federal Credit Union and
our service provider to access the websites and databases
of your bank and other institutions where you hold
Accounts, as designated by you and on your behalf,
to retrieve information and effect the fund transfers
you request. By using the Service, you represent
and warrant to us that you have the right to authorize
and permit us to access your Accounts to effect such
funds transfers or for any other purpose authorized
by this Agreement, and you assure us that by disclosing
and authorizing us to use such information you are
not violating any third party rights. You warrant
and represent that the information you are providing
us with is true, current, correct and complete. You
hereby authorize and permit Altra Federal Credit
Union and our service provider to use information
submitted by you to accomplish these purposes and
to configure the Service to be compatible with the
Accounts. For as long as you are using the Service,
you give to Altra Federal Credit Union and our service
provider a limited power of attorney and appoint
Altra Federal Credit Union and our service provider
as your true and lawful attorney-in-fact and agent,
with full power of substitution and resubstitution,
for you and in your name, place and stead, in any
and all capacities, to access the Accounts, effect
funds transfers as described above, with full power
and authority to do and perform each and every act
and thing requisite and necessary to be done in connection
with effecting funds transfers, including verifying
the content and authenticity of any funds transfer
instruction for the purposes of security procedures
applicable to Accounts, as fully to all intents and
purposes as you might or could in person. Once Altra
Federal Credit Union and/or our service provider
has actual knowledge that you wish to cease using
the Altra Federal Credit Union Service as provided
in this Agreement or as otherwise permitted in this
Agreement and has a reasonable opportunity to act
on such knowledge, this limited power of attorney
is automatically revoked; provided, however, that
any act done by Altra Federal Credit Union and/or
our service provider in good faith before it has
actual knowledge of termination by you and has a
reasonable opportunity to act on such knowledge shall
be deemed to be authorized by you. You understand
and agree that at all times your relationship with
each Account provider is independent of Altra Federal
Credit Union and your use of the Funds Transfer Service.
Altra Federal Credit Union will not be responsible
for any acts or omissions by the financial institution
or other provider of any Account, including without
limitation any modification, interruption or discontinuance
of any Account by such provider.
YOU
ACKNOWLEDGE AND AGREE THAT WHEN Altra Federal Credit
Union AND OUR SERVICE PROVIDER ARE EFFECTING A FUNDS
TRANSFER FROM OR TO ANY OF YOUR OR A RECIPIENT'S
ACCOUNTS, Altra Federal Credit Union AND OUR SERVICE
PROVIDER ARE ACTING AS YOUR AGENT, AND NOT AS THE
AGENT OR ON BEHALF OF ANY THIRD PARTY. You agree
that Altra Federal Credit Union, its affiliates,
service providers and partners shall be entitled
to rely on the foregoing authorization, agency and
power of attorney granted by you.
YOU
AGREE THAT WE SHALL NOT BE LIABLE FOR ANY COSTS,
FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A
RESULT OF (1) OUR ACCESS TO THE ACCOUNTS; (2) OUR
DEBIT AND/OR CREDIT OR INABILITY TO DEBIT AND/OR
CREDIT THE ACCOUNTS IN ACCORDANCE WITH YOUR FUNDS
TRANSFER INSTRUCTIONS; (3) ANY INACCURACY, INCOMPLETENESS
OR MISINFORMATION CONTAINED IN THE INFORMATION RETRIEVED
FROM THE ACCOUNTS; (4) ANY CHARGES IMPOSED BY ANY
PROVIDER OF ACCOUNTS AND (5) ANY FUNDS TRANSFER LIMITATIONS
SET BY THE FINANCIAL INSTITUTIONS OR OTHER PROVIDERS
OF THE ACCOUNTS.
Not
all types of accounts are eligible for Funds Transfer.
Be sure to check with your financial institution
for restrictions regarding transfers among your retirement
(401k, IRA, etc.), savings, trusts, loans, custodial,
business, corporate and other account types. We are
not responsible for any costs or losses incurred
from fund transfers that are not permitted under
such restrictions by the provider of your Account
or those imposed by applicable law.
Electronic
Communications
General
Consent; Categories of Records.
The
Funds Transfer Service is an electronic, Internet
based-service.
Therefore,
you understand and agree that this Agreement will
be entered into electronically, and that the following
categories of information ("Communications")
may be provided by electronic means:
*
This Agreement and any amendments, modifications
or supplements to it.
* Your records of funds transfers and other transactions through
the Service, including without limitation confirmations of individual
transactions.
* Any initial, periodic or other disclosures or notices provided
in connection with the Service, including without limitation
those required by federal or state law.
* Any customer service communications, including without limitation
communications with respect to claims of error or unauthorized
use of the Service.
Any
other communication related to the Service
Although
Altra Federal Credit Union reserves the right to
provide Communications in paper format at any time,
you agree that we are under no obligation to do so.
All Communications in either electronic or paper
format will be considered to be "in writing." You
should print a paper copy of this Agreement and any
electronic Communication that is important to you
and retain the copy for your records. If you do not
agree to receive this Agreement or the Communications
electronically, you may not use the Service.
How
to Withdraw Consent
If
you have registered for the Service and you wish
to withdraw your consent to have Communications provided
in electronic form, you must cancel any pending transfer
requests (within the time period permitted by the
Service cancellation policies) and stop using the
Service. There are no fees to cancel a pending transfer
request (as long as such cancellation is made within
the time period permitted by the Service cancellation
policies).
How
to Update Your Records
You
agree to promptly update your registration records
if your e-mail address or other information changes.
You may update your records, such as your e-mail
address, by using the Profile page.
Delivery
of Electronic Communications
Communications
may be posted on the pages of the Service website
or other website disclosed to you and/or delivered
to the e-mail address you provide. Any electronic
Communication sent by e-mail will be deemed to have
been received by you when Funds Transfer sends it
to you, whether or not you received the e-mail. If
the Communication is posted on the Service, then
it will be deemed to have been received by you no
later than five (5) business days after Funds Transfer
posts the Communication on the pages of the Service,
whether or not you retrieve the Communication. An
electronic Communication by e-mail is considered
to be sent at the time that it is directed by Altra
Federal Credit Union's e-mail server to the appropriate
e-mail address. An electronic Communication made
by posting to the pages of the Service is considered
to be sent at the time it is publicly available.
You agree that these are reasonable procedures for
sending and receiving electronic Communications.
Hardware
and Software Requirements
In
order to access and retain Communications, you must
have:
*
An Internet browser that supports 128-bit encryption,
such as Netscape Navigator version 4.7 or above or
Internet Explorer version 5.0 or above.
* An e-mail account and e-mail software capable of reading and
responding to your e-mail.
* A personal computer, operating system and telecommunications
connections to the Internet capable of supporting the foregoing.
* Sufficient electronic storage capacity on your computer's hard
drive or other data storage unit.
* A printer that is capable of printing from your browser and
e-mail software
Privacy
Policy and Confidentiality
We
regard your privacy and security with the utmost
importance, and we are absolutely committed to safeguarding
any information that you share with us. In order
to provide the Funds Transfer Service, we must obtain
from you certain personal information about you,
your Accounts, and your transactions (referred to
herein as "User Information"). You represent
that you have the right to provide such User Information
and that you give us the right to use the User Information
in accordance with our privacy policy. All of your
personal and financial information will be placed
on a secure portion of our website. We do not use
any persistent "cookies" on the browser
to store any personal information. We have multiple
levels of security that have been designed especially
for us. You can see a full description of our security
policy by clicking on "Security Policy".
You can see a full description of our privacy policy
by clicking on "Privacy Policy".
Password
To
enable you, and only you, to use the Service, you
will be asked to choose a password when you register
and are accepted as a customer of the Service. This
password is stored in encrypted form by us. You are
responsible for maintaining the confidentiality of
your Funds Transfer customer number and password.
No one at Altra Federal Credit Union has access to
your Accounts passwords or user ID's. You are responsible
for uses of the Service whether or not actually or
expressly authorized by you. Therefore, it is important
that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD
WITH ANYONE FOR ANY REASON. No one at Altra Federal
Credit Union will know or need to know your password,
and Altra Federal Credit Union employees will never
ask for your password. If you wish to make a transfer
to an Account of another person, you will be asked
to provide a separate code word or phrase (the "Shared
Secret") that is known only to you and to the
person to whom you are transferring the funds (the "Recipient").
We recommend that you do not use commonly used words,
phrases or dates. In order to complete the transfer,
the Recipient must provide the Shared Secret and
certain other identifying information.
YOU
AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO
ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER
AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO
GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON.
Contact
in the Event of Unauthorized Transfer
If
you believe your password or Shared Secret has been
lost or stolen, or that someone has transferred or
may transfer money from your Account without your
permission, call: 800-755-0055 or fax: 608-787-7150
, or e-mail: info@altra.org , or write: Funds Transfer
Administrator, Altra Federal Credit Union 1700 Oak
Forest Drive , Onalaska, WI , 54650 .
Consumer
Liability
You
agree to notify us AT ONCE if you believe your password
has been lost or stolen. Telephoning us promptly
is the best way to protect yourself from possible
losses. If you never tell us, you could lose all
of the money in your account (plus all the money
in your overdraft sources). However, if you tell
us within 2 business days, you can lose no more than
$50 if someone used your password without your permission.
You can see a complete statement of all your funds
transfers effected or pending at any time by clicking
on the History tab. If your statement shows transfers
that you did not make, notify us AT ONCE. If you
do not tell us within 60 days after the transfer
was posted to your statement, 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.
Business
Days
The
Service will process requests for transfers on business
days. Our business days are Monday through Friday.
Holidays and Federal Reserve Holidays are not included.
Transfer
Types and Limitations Types of Transfers
You
may use your Funds Transfer password to transfer
funds between any two of your Accounts about which
you have provided the necessary information to funds
transfer. Transfers can be between Accounts within
the same financial institution or at an unrelated
financial institution (although transfers between
Accounts at the same institution may be effected
more quickly by contacting the institution directly).
You may also use the Service to transfer funds from
one of your Accounts to an account of a Recipient.
Specific instructions for transferring funds to an
account of a Recipient are available by clicking
on the "Pay anyone" tab. Some of these
services may not be available at all times. We may
from time to time make available additional or new
features to the Service, including but not limited
to, a next day service and a higher limit service.
You will be approved or declined for any such additional
service at our sole discretion and additional terms
and conditions may apply. Please ensure that you
have sufficient funds to effect any funds transfers
from your Accounts. We may at any time decline to
effect any funds transfers that we believe may violate
applicable law.
Frequency
of Transfers
We
do not limit the number of funds transfers you may
make; however, you may not make funds transfers in
excess of the number of funds transfers allowed by
the rules governing the applicable Accounts. We may
from time to time for security and risk management
reasons modify the limit, the frequency and the dollar
amount of transfers you can make using our Service.
Dollar
Amount of Transfers
You
may not make funds transfers in excess of limits
described on the Service. We reserve the right to
change from time to time the dollar amount of funds
transfers you are permitted to make using our Service.
Without limiting the foregoing, in the event that
your use of the Service has been suspended and reinstated
as provided herein (see "Suspension and Reinstatement
of Funds Transfer Service" below), you understand
and agree that your use of the Service thereafter
may be subject to lower dollar amount limitations
than would otherwise be permitted by us.
Transfers
subject to the Rules of the Accounts
Additionally,
all funds transfers are also subject to the rules
and regulations governing the relevant Accounts.
You agree not to effect any funds transfers from
or to an Account that are not allowed under the rules
or regulations applicable to such accounts including,
without limitation, rules or regulations designed
to prevent the transfer of funds in violation of
OFAC regulations.
Rejection
of Transfers
We
reserve the right to decline to effect any funds
transfers, to submit funds transfer instructions
or orders or to carry out change or cancellation
requests.
Authorization
You
authorize us to select any means to execute your
funds transfer instructions. You understand that
to effect your funds transfer instruction we utilize
the Automated Clearing House (ACH), using applicable
ACH Rules, we debit one of your Accounts and credit
another of your Accounts or an account of a Recipient.
Once your Account has been debited, we credit our
service provider's transfer account at the service
provider's clearing bank. After our service provider
and/or its clearing bank are reasonably certain that
the debit will not be returned (in most cases this
is usually between 3-4 banking days), our service
provider will credit your or the Recipients Account.
The sole purpose for our service provider's transfer
account is to complete your funds transfer requests
and for performing the services within the scope
of this Agreement. The service provider earns no
interest on the funds in the transfer account. If
the debit side fails or is returned for any reason
and the credit side has been released and cannot
be collected, you authorize our service provider
to collect from the Account to which the credit side
of the funds transfer was sent. We reserve the right
to resubmit a debit, or a portion of the debit, in
the event of an insufficient or uncollected funds
return and if we cannot collect the amount credited.
To effect this collection, you understand and authorize
us to debit the credited Account or the debited Account
in either the same dollar amount as the original
funds transfer or a portion of the debit. There may
be a fee associated with such collection imposed
by the financial institution holding the Account.
You
understand and agree that we may from time to time
impose additional charges in connection with your
funds transfer transactions. Altra Federal Credit
Union will notify you of such fee in advance of the
transaction. If you choose to proceed with the transaction,
you authorize Altra Federal Credit Union to debit
your account in the amount indicated. In the event
that a debit to any of your Accounts, or any portion
of any such debit, has failed and the credit side
of such transaction has been released and cannot
be collected, and we are unable to debit either the
debited or the credited Account as set forth above,
we reserve the right, and you hereby authorize us,
to debit any of your other Accounts to the extent
necessary to offset any resulting deficiency. We
do not undertake to notify you in such event, other
than by posting any such transfer or transfers to
the applicable Account in accordance with this Agreement
(see "Documentation," below).
You
understand and agree that in the event we are unable
to execute your funds transfer request utilizing
the ACH, we may utilize other established payment
mechanisms in order to complete your funds transfer
instructions, such as wire transfer or check. If
you have requested for a funds transfer to a Recipient,
you must provide us with a true, correct, current
email address for such Recipient. We will contact
the Recipient, and ask the Recipient to provide us
with certain information, such as the account number
and financial institution that they wish to transfer
the funds to. If the Recipient fails to reply to
the email or fails to follow the instructions provided
by us, we will notify you and credit your Account
for the amount of the transfer.
Suspension
and Reinstatement of Funds Transfer Service
In
the event that we at any time incur a problem with
your use of the Service, including without limitation
a fail in Funds Transfer Service to debit any of
your Accounts or to collect with respect to any of
your funds transfers as described above, and without
limiting any other right or remedy that we may have
under this Agreement or otherwise, we reserve the
right to suspend your right to use the Service, immediately
and without prior notice to you. You understand and
agree that such action is reasonable for us to take
in order to protect itself from loss. In the event
of such suspension, you may request reinstatement
of your service by contacting us using any of the
methods provided for under this Agreement (see "Error
Reporting and Claims," below). We reserve the
right in its sole discretion to grant or deny reinstatement
of your use of the Service. In the event we agree
to reinstate you, we reserve the right to, and ordinarily
will, initially reinstate your Service subject to
lower per-transaction and monthly dollar limits and/or
with other restrictions than otherwise might be available
to you. Based upon your subsequent usage of the Service,
Altra Federal Credit Union in its sole discretion
may thereafter restore your ability to effect transfers
subject to such higher limits as may then be in effect
(see "Dollar Amount of Transfers," above).
Documentation
You
may access a statement of all funds transfers effected
or pending at any time by clicking on the History
tab. If a funds transfer could not be completed,
Altra Federal Credit Union and/or our service provider,
upon learning that the funds transfer has failed,
will make a reasonable effort to complete the transfer
again. If the funds transfer fails a second time,
we will notify you to contact your financial institution
or other provider of the relevant Account to learn
more about the failure.
Your
Responsibility for Errors
You
understand that we must rely on the information provided
by you and you authorize us to act on any instruction
which has been or reasonably appears to have been
sent by you, to submit funds transfer instructions
on your behalf. You understand that financial institutions
receiving the funds transfer instructions may rely
on such information. We are not obliged to take any
further steps to confirm or authenticate such instructions
and will act on them without getting further confirmation.
You understand that if you provide us with incorrect
information or if there is any error in your instruction
we will make all reasonable efforts to reverse or
delete such instructions, but you accept full responsibility
for losses resulting from any of your errors, duplication,
ambiguities or fraud in the information that you
provide. You agree not to impersonate any person
or use a name that you are not authorized to use.
If any information you provide is untrue, inaccurate,
not current or incomplete, without limiting other
remedies, Altra Federal Credit Union reserves the
right to recover from you any costs or losses incurred
as a direct or indirect result of the inaccurate
or incomplete information.
Error
Reporting and Claims
In
case of errors or questions about your funds transfers,
e-mail us at info@altra.org or telephone us at 800-755-0055
or write to us at Altra Federal Credit Union 2715
Losey Blvd S, La Crosse, WI, 54601 as soon as you
can, if you think your statement is wrong or if you
need more information about a transfer listed on
the statement. You can see a complete statement of
all your funds transfers effected or pending at any
time by clicking on the History tab.
We
must hear from you within 60 days after we FIRST
posted the transfer to your statement. (1) Tell us
your name, and the account number of the Account
to which the error relates. (2) Describe the error
or the transfer you are unsure about, and explain
as clearly as you can why you believe it is in error
or why you need more information. (3) 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 we committed an error within
10 business days (20 business days for new member
accounts) after we hear from you and will correct
any error promptly.
If
we need more time, however, we may take up to 45
days (90 days for new member accounts) to investigate
your complaint or question. If we decide to do this,
we will credit/debit the applicable Accounts within
10 business days (20 business days for new member
accounts) for the amount you believe is in error,
so that you or your intended Recipient will have
use of the money during the time it takes us to complete
our investigation.
If
we ask you to put your question or complaint in writing
and we do not receive it within 10 business days,
we may not credit/debit the applicable Accounts.
We will tell you the results within three business
days after completing our investigation. If we decide
that we did not make an error, we will send you a
written explanation. You may ask for copies of the
documents we used in our investigation.
We
are not responsible for errors, delays and other
problems caused by or resulting from the action or
inaction of financial institutions holding the Account
or the account of your Recipient. Although we will
try to assist you in resolving any such problems,
you understand that any such errors, delays or other
problems are the responsibility of the relevant financial
institution or the Recipient. Any rights you may
have against a financial institution for such errors,
delays or other problems are subject to the terms
of the agreements you have with such financial institution,
including any time limits during which complaints
must be made.
Proprietary
Rights
You
acknowledge and agree that Altra Federal Credit Union
and/or our service provider owns all rights in and
to the Funds Transfer Service. You are permitted
to use the Service only as expressly authorized by
this Agreement. You may not copy, reproduce, distribute,
or create derivative works, reverse engineer or reverse
compile Altra Federal Credit Union and/or our service
provider's Funds Transfer Service or any of Altra
Federal Credit Union and/or our service provider's
services or technology. No Unlawful or Prohibited
Use As a condition of using the Service, you warrant
to us that you will not use the Service for any purpose
that is unlawful or is not permitted, expressly or
implicitly, by the terms of this Agreement or by
any applicable law or regulation. You further warrant
and represent that you will not use the Service in
any manner that could damage, disable, overburden,
or impair the Service or interfere with any other
party's use and enjoyment of the Service. You may
not obtain or use Funds Transfer Service to obtain
any materials or information through any means not
intentionally made available or provided for through
the Service. You agree that these warranties and
representations will remain in full force and effect
even if this Agreement terminates for any reason.
Service
Changes and Discontinuation
We
may modify or discontinue the Service or your account
with us, with or without notice, without liability
to you, any other user or any third party. We reserve
the right, subject to applicable law, to terminate
your account and your right to use the Service at
any time and for any reason, including without limitation
if we, in our sole judgment, believe you have engaged
in conduct or activities that violate any of the
Terms or the rights of Altra Federal Credit Union
and/or our service provider, or if you provide us
with false or misleading information or interfere
with other users or the administration of the Services.
We reserve the right to charge a fee for the use
of the Service and any additional services or features
that we may introduce. You understand and agree that
you are responsible for paying all fees associated
with the use of our Funds Transfer Service. You may
terminate your account with Altra Federal Credit
Union at any time by clicking on 'unsubscribe' from
the Edit Profile page or by sending us an e-mail
at info@altra.org or, if you prefer, by sending a
registered or certified letter to Altra Federal Credit
Union at 2715 Losey Blvd S, La Crosse, WI, 54601
. Once your account with Altra Federal Credit Union
has terminated for any reason, you will have no further
right or access to use the Funds Transfer Service,
and Altra Federal Credit Union will not access your
Accounts thereafter for any reason.
Links
To Third Party Sites
The
Altra Federal Credit Union website may contain links
to other websites ("Linked Sites"). Such
links are provided solely as a convenience to you.
Altra Federal Credit Union does not screen, approve,
review or otherwise endorse any content or information
contained in any Linked Sites. You acknowledge and
agree that Altra Federal Credit Union, its affiliates
and partners are not responsible for the contents
of any Linked Sites, including the accuracy or availability
of information provided by Linked Sites, and makes
no representations or warranties regarding the Linked
Sites or your use of them.
Security
Procedures
You
understand that the financial institution at which
an Account is maintained may contact us to verify
the content and authority of funds transfer instructions
and any changes to those instructions. You understand
that, as your agent, we may provide to such financial
institution such information as may be required to
verify the instructions and may constitute a valid
security procedure under the rules governing such
Account.
Deviating
from Security Procedures
You
agree to allow us to authorize any financial institution
at which you have an Account to accept funds and
transfer instructions in accordance with any authorization
procedures as may be agreed from time to time between
you and such financial institution, or between us,
on your behalf, and such financial institution, without
verifying the instructions under the established
security procedures, regardless of whether such security
procedures were agreed by you directly or by us on
your behalf. In addition you agree that we may authorize
such financial institutions to charge and debit your
accounts based solely on these communications.
Account
Number Policy
If
funds transfer instructions identify a bank or beneficiary
by name and account number, the relevant financial
institution may execute those instructions by reference
to the number only, even if the number does not correspond
to the name. You understand that such financial institutions
may not investigate discrepancies between names and
numbers. In addition, you agree that we have no responsibility
to investigate discrepancies between names and numbers.
Joint
Account Holder
In
submitting your application for the Funds Transfer
Service, you confirm that, if any of your Accounts
is a joint account, your joint account holder has
consented for you to use your Accounts for the Service.
We will end your use of the Service if any joint
account holder notifies us that (i) they never consented
to your use of our Funds Transfer Service, (ii) the
joint account can no longer be operated on your instructions
alone, or (iii) they are withdrawing consent for
you to operate the joint account.
Means
of Transfer
You
authorize us to select any means we deem suitable
to provide your funds transfer instructions to the
applicable financial institution. These choices include
banking channels, electronic means, funds transfer
systems, mail, courier, or telecommunications services,
intermediary banks and other organizations. You agree
to be bound by the rules and regulations that govern
the app | 
