page explains the terms and conditions for using our e-Banking Service
and provides certain disclosures and information to you concerning
the service. Each of your accounts at Tongass Federal Credit Union
is also governed by the applicable account disclosure/agreement
and Truth In Savings disclosure you received when you opened your
To Access Your Accounts:
access your accounts through our e-Banking service, you must have
your account number and an e-Banking password. This information
is requested when you enter our e-Banking pages.
password that is used to gain access to your information should
be kept confidential, just as you would keep other PIN numbers and
security codes confidential. For your protection we recommend that
you change your e-Banking access password regularly. It is recommended
that you memorize this password and do not write it down. You are
responsible for keeping your password, account numbers and other
account data confidential. If you believe that your password may
have been lost or stolen, or that someone has transferred or may
transfer money between your accounts without your permission, notify
Tongass Federal Credit Union at once at (907) 225-9063.
cannot use E-mail to initiate transactions, change information or
inquire on your account (s). We will not respond to these types
of requests via E-mail since we cannot be certain we are corresponding
with you. Please use the appropriate functions within our e-Banking
service, call (907) 225-9063 or visit the credit union for these
get an initial password for the e-Banking service, visit the credit
union office or call us at (907) 225-9063.
is currently no fee for accessing your account(s) through our e-Banking
service. We reserve the right impose / change the fee amount, if
necessary, after providing 30 days notice to all users at the e-Banking
login page and/or e-mail address.
Internet service provider (ISP) probably charges you a fee to access
the Internet via its server. We have no control over ISP related
Services and Limitations: The following functions may be performed
by members through the service:
You may transfer funds between your Share or Loan Accounts as
the account agreements may allow. Transfers done through the service
DO NOT immediately charge or credit your account. TRANSFERS WILL
BE EFFECTIVE BY THE NEXT BUSINESS DAY AFTER THE DATE OF SUCH TRANSACTION
but may occur sooner.
Balances: You may view your share and loan account balances.
Because the main credit union computer system is not connected
to the Internet, it is possible that some transactions that affect
these balances, and have been processed by the credit union, are
not yet included in the balance at the time you view it. In addition,
there may be drafts written against your balance, or other electronic
items such as debit card transactions, that have not yet been
presented to the credit union for payment.
history: You may view the transaction history for any loan
or share account. Because the main credit union computer system
is not connected to the Internet, it is possible that some transactions
are not yet included in the history at the time you view it even
though they may have been processed by the credit union. The main
credit union computer system is always the official record of
account history. The e-Banking service may be updated several
times per day for your convenience in viewing account activity.
Changes: If you are an e-Banking user, you may change your
password at any time from within the e-Banking section. For your
protection we recommend that you change your e-Banking password
orders: You may reorder checks and/or view and order new check
styles available through the credit union. We will not process
check order requests if you do not have a checking account at
the credit union.
search: You may search for drafts that have cleared your account.
You may also list clearings by date cleared or by check number.
The oldest check available will vary but dates will go back, at
a minimum, to your last regular statement date.
Services: From time to time, we will announce additional services
which are available through our e-Banking. Your use of these services
will constitute acceptance of the terms and conditions presented
at the time they are announced.
reserve the right to limit access or cancel on-line access at any
business days are Monday through Saturday. Holidays are not included.
Systems and Security:
e-Banking site is designed to operate using world wide web technologies
and protocols which are adaptable to a wide range of systems. The
e-Banking section uses SSL encryption and requires a browser with
a current (unexpired) Thawte Root CA Security Certificate. Some
older browsers may not be able to connect to the site without first
updating the browser security certificate. Our server uses 40 to
128 bit encryption, depending on the user's browser.
allow you to reject cookies from servers. If you don't allow us
to set a cookie upon entering the site, you will not be able to
log in. The cookie we set contains information we need for security,
and allows us to 'time out' your authority to view information.
We place the cookie with instructions that it can only be sent to
a server in our e-Banking domain (homecu.net). A cookie cannot be
used to extract data from your PC. We do not store your Access Code,
User Id or Password in your cookie.
cookie we set will 'time out' your access authority to our e-Banking
section. Until it times out, you can come back to our e-Banking
without logging in. After the time out period, you will need to
log in again. Remember, most browsers will let you use a BACK button
to view previously visited documents, even if your viewing authority
has expired. For this reason, the only way to keep others from viewing
your account balance is to exit the browser when you are finished
with your session. The best way is to completely close out of the
Internet entirely, so the next person to get on will have to start
with a new connection and a new browser. This is especially important
if you are using a public or shared computer.
e-Banking database is a private system operated for the exclusive
use of our members. We use SSL encryption and digital server authentication
to insure the privacy of your information when sending data between
our e-Banking server and your PC.
e-Banking logins are logged by the server. For authenticated members
who use e-Banking , we collect and store certain information such
as how often you visit the e-Banking section, dates and times of
visits and which pages are being used. We use this information for
internal review and product evaluation only. We never sell, transfer
or trade this information unless we are compelled to do so by law.
may gather and store additional information available to us on failed
login attempts and other activity we consider a threat to our system.
In these cases, we will share this information with other companies,
agencies and law enforcement officials as we determine necessary
or as we are required by law.
for Unauthorized Transfers:
us AT ONCE if you believe your password has been lost or stolen
and immediately change your password from within the e-Banking section.
Calling is the best way to notify us immediately. You could lose
all the money in your account. If you tell us within two (2) business
days, you can lose no more than $50 if someone used your password
without your permission.
if your statement shows transfers that you did not make, tell us
at once. If you do not tell us within sixty (60) days after the
statement was mailed to you, you may not get back any money you
lost after the sixty (60) days if we can prove that we could have
stopped someone from taking the money if you had told us in time.
a good reason kept you from telling us, we will extend the time
you believe your password has been lost or stolen or that someone
has transferred or may transfer money from your account without
your permission, call:
Tongass Federal Credit Union
2000 Tongass Avenue, Ketchikan, Alaska 99901
transactions generated by you through our e-Banking service and
any e-Banking fees will appear on your monthly or quarterly statement.
we do not complete a transfer to or from your account on time or
in the correct amount according to our agreement/disclosure with
you, we will be liable for your losses or damages. However, there
are some exceptions. We will not be liable, for instance:
through no fault of ours, you do not have enough money in your
account to make the transfer;
the e-Banking equipment or software was not working properly and
you knew about the breakdown when you started the transfer;
circumstances beyond our control (such as fire, flood or power
failure) prevent the transfer despite reasonable precautions that
we have taken.
shall not be responsible for any other loss, damage or injury whether
caused by the equipment, software and/or the e-Banking service,
nor shall we be responsible for any direct, indirect, special or
consequential damages arising in any way out of the installation,
use or maintenance of your equipment, software and/or service, except
where the law requires a different standard. We do not make any
warranties concerning the equipment, the software or any part thereof,
including, without limitations, any warranties of fitness for a
particular purpose or warranties of merchantability.
case of errors or questions about your electronic transfers, telephone
us at (907) 225-9063 or write us at 2000 Tongass Avenue, Ketchikan,
Alaska 99901 as soon as you can. We must hear from you no later
than sixty (60) days after you learn of the error. You will need
to tell us:
name and account number
you believe there is an error and the dollar amount involved
when the error took place.
you tell us orally, we may require that you send us your complaint
or question in writing within ten (10) business days. We will tell
you the results of our investigation within ten (10) business days
and correct any error promptly. If we need more time, we may take
up to forty-five (45) days to investigate the complaint, but you
will have the use of the funds in question after the ten (10) business
days. If we ask you to put your complaint or question in writing
and we do not receive it within ten (10) business days, we may not
credit your account during the investigation.
will notify you with the results within three (3) business days
of completing our investigation. If we decide there was no error,
we will send you a written explanation. You may request copies of
the documents that we used in our investigation.
you need more information about our error resolution procedures,
call us at the telephone number shown above.