As used in this Agreement the terms “ you ” and “ your ” refer to each member. The terms “ we, ” “ our, ” “ us, ” “ Credit Union ” or “ MICHIGAN FIRST ” refer to Michigan First Credit Union. All references to time of day in this Agreement refer to Eastern Standard/Daylight Time, as observed in Lathrup Village, Michigan ( “ ET ” ) .
This Agreement is in addition to other agreements between you and us, and our third party providers, including your Membership/Account Agreement and any other agreements with us, equally well as any disclosures provided to you. The terms of those other agreements and documents shall remain in affect notwithstanding any provision in this agreement to the contrary. In the consequence of a conflict between this Agreement and any of the other reference documents, this Agreement shall control. By enrolling in Online Banking and/or Michigan First Mobile, you agree to all terms and conditions contained in this Agreement .
We may offer extra electronic services and features from time to prison term. Any added services and features will be governed by this Agreement and by any terms and conditions provided to you at the time the new service or feature is added and/or at the time of registration for the sport or service, if applicable.
Reading: Online & Mobile Banking Agreement
If you would like a paper transcript of this Agreement sent to you, please contact our Member Service Department at 800.664.3828. In the event you experience a trouble with an designation number or password, or believe information regarding your accounts or entree to your accounts has been lost, stolen, or in any way compromised, please contact a Member Service Representative at the number indicated above .
A. Michigan First Online Banking
Michigan First Online Banking is an electronic bank avail designed to meet the needs of our members. To be eligible you must be a member in good stand at the Credit Union .
B. Michigan First Mobile
Michigan First Mobile ( “ Mobile Banking App ” or “ Mobile App ” ) is a mobile trust service designed to meet the needs of our members. To be eligible you must be a penis in good standing at the Credit Union .
C. Michigan First Voice Assist Banking
Michigan First Voice Assist Banking ( Alexa, etc. ) is an electronic bank service designed to meet the needs of our members. To be eligible you must be a member in good stand at the Credit Union. Use of Voice Assist Banking is submit to extra Terms and Conditions to which you must agree prior to using the service .
D. Equipment Specifications
You are responsible for obtaining, installing, maintaining, and operating all computer hardware, software, Internet access, and mobile devices necessity to access Michigan First Online Banking, Michigan First Mobile and Michigan First Voice Assist Banking. You will be notified of system and modem specifications. The Credit Union will not be responsible for any errors or losses resulting from the malfunction of your hardware, software, mobile devices, or any Internet or mobile Service Provider, or for your failure to utilize hardware or other equipment that fails to meet the state system and modem specifications, as may be amended from time to prison term .
E. Access to System
You hereby agree to use the methods we require for you to utilize to access the systems. These methods we require may be used with early identifying information to identify and verify you and anyone you have authorized to access the systems. You agree that the Credit Union is authorized to act and may act on instructions we receive under the agreed upon recognition and verification method. You accept total duty for your account, extremity count, personal identification number ( PIN ) and any early code, password, or early means of identification we may provide to you and agree to keep them confidential and secure, and to follow all provisions of this Agreement related to security system. If you are a consumer, you agree not to disclose your PIN to anyone else without our anterior written blessing. If you are a commercial enterprise, you agree to instruct each person to whom you give your pin that he or she is not to disclose it to any unauthorized person. You farther agree to immediately notify the Credit Union and select a new PIN if you believe your pin may have become known to an unauthorized person. We may suspend or cancel your PIN even without receiving such a poster from you if we suspect your pin is being used in an unauthorized or deceitful manner .
NOTICE: ANYONE WHO HAS REMOTE ACCOUNT ACCESS INFORMATION TO YOUR ACCOUNT WILL HAVE ACCESS TO ALL SUBACCOUNTS REGARDLESS OF THE OWNERSHIP OF THE SUBACCOUNTS.
once enrolled you will have access to Michigan First Online Banking and/or Michigan First Mobile and/or Michigan First Voice Assist Banking 24 hours a day, 7 days a week, unless an hand brake exists or scheduled system maintenance is being performed. In the event the system will not be available for any extend time period of time, a notice will be posted on our web site informing you of such inaccessibility. The Credit Union reserves the justly and you agree that the Credit Union may limit, suspend, or terminate your entree to Michigan First Online Banking and/or Michigan First Mobile and/or Michigan First Voice Assist Banking at any fourth dimension for any rationality .
You may use Michigan First Online Banking to do the stick to : – opinion up-to-the minute account information and transaction history on your accounts, loans, and accredit cards – Transfer funds between your shares at Michigan First and between your Michigan First accounts and your early accounts at other fiscal institutions – Make Michigan First Credit Union lend and citation card payments – Pay bills online – Obtain a cash advance from your line-of-credit – print FREE check copies from your checking report – access your electronic statements and notices – Import account transactions from other fiscal institutions – Export account transactions into personal finance management software – View your MoneyPerks Points – set up electronic mail and text alerts – Communicate with the Member Services sphere via electronic mail and chew the fat services – Request barricade payments on checks – Re-order checks – swallow funds via Official Check – Verify which checks have cleared – Deposit checks remotely with the function of your scanner – Track income and expenses in multiple accounts – View reports on your outgo habits and budget .
You may use Michigan First Mobile to do the following – View up-to-the infinitesimal bill information and transaction history on your accounts, loans, and credit cards – View your bill proportion from your login screen-Transfer funds between your shares at Michigan First and between your Michigan First accounts and your other accounts at other fiscal institutions – Make Michigan First Credit Union loanword payments – Pay bills — Access your electronic statements and notices – Track income and expenses in multiple accounts – View reports on your spend habits and budget .
You may use Michigan First Voice Assist Banking to do the following – review up-to-the infinitesimal account and transaction history on your accounts, loans and credit cards – Review your report symmetry – Transfer funds between your shares at Michigan First Credit Union – Make Michigan First Credit Union lend payments .
G. Online Bill Payments and Presentment Service
Michigan First Online Bill Payment Service, Bill Pay, is offered to eligible members in connection with Michigan First Online Banking and Michigan First Mobile. By using Michigan First Online Banking and Michigan First Mobile ’ randomness Bill Pay offered herein, you agree to abide by the terms and conditions set away in this Agreement, the MICHIGAN FIRST Membership/Account Agreement referenced above, and any far instructions provided to you by the Credit Union or the Online Bill Pay processor regarding process of payments .
Bill Pay is an electronic on-line charge requital service offered as an excess appliance to members in good standing at the Credit Union. You may access Bill Pay using a personal calculator ( personal computer ) with an Internet connection, or a mobile device with internet access. Bill Pay can be accessed through both Michigan First Online Banking and Michigan First Mobile .
You may use Bill Pay about any time, day or night, 7 days a week. however, the service may be temporarily unavailable due to record update or technical foul difficulties. In addition, entree to Bill Pay is made available pursuant to an agreement by and between the Credit Union and Profitstars, a third party serve supplier. Any interruption of avail or access caused by our third base party overhaul provider will besides prevent your habit of the service. To utilize the services, you will need to satisfy the system ’ south security procedures .
Member Services can be reached 24 hours a sidereal day on-line or by calling 855.621.4782 .
Designation of Primary Checking Account
In arrange to use Bill Pay, you must have a Checking Account with the Credit Union. The Checking Account must be designated as your “ primary ” account ( “ Primary Checking Account ” ) and will be treated as your primary coil Checking Account for transactions accomplished through Bill Pay .
Online Bill Payments
Account Designation and Payees
Bill Payments you make through Bill Pay will be deducted from your primary Checking Account. You may utilize Bill Pay to make placard payments to an unlimited count of payees. Any payee you wish to pay through Bill Pay must be located in the United States and account payable in U. S. dollars. Each payee must appear on the payee list you create through Michigan First Online Banking or Michigan First Mobile. once payees have been created, payments can be initiated through Michigan First Online Banking or Michigan First Mobile, and the report you are paying with must be in your name. The Credit Union reserves the right to refuse to pay a payee ( even if not listed above ) for security or any other reason. If a payment is refused, the Credit Union will promptly notify you.
Funds will be taken out of your primary Checking Account on the date referred to as the “ Process Date ” in ordering to pay the circular on the delivery date you have requested. For those payees who can accept Bill Payments electronically, the payment will be sent within three business days of the requested “ pitch date. ” however, some payees are not set up to accept electronic payments. In these cases, a check will be sent on the “ send on ” date, which may be ampere many as five occupation days anterior to the requested “ delivery date ” in order to process and deliver the payment to the payee by that request date .
You must initiate a payment in progress of the “ delivery date ” ( 3 or 5 business days, as indicated ) for Bill Pay to process and deliver your requested requital by the “ rescue date ” so that the funds can be delivered to the payee on the requital due date, or for mortgage payments, on or before the due date ( the due date shown on your invoice or provided in your agreement with the payee, not taking into report any grace period provided by the payee. ) If you do not allow sufficient time, you will assume full duty and shall be liable for all late fees, finance charges, or other actions taken by the payee .
The Credit Union is responsible only for exercising ordinary care in making payments upon your mandate and for mailing or sending a requital to the designated payee. IN NO EVENT SHALL MICHIGAN FIRST BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS ( even IF ADVISED OF THE POSSIBILITY THEREOF ) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND OR THE SERVICE. We will use our best efforts to make all of your payments properly. however you agree that we shall not be liable for premature or failed bill payments as the leave of your failure to maintain sufficient available funds to complete the transaction, your failure to allow sufficient time between the “ manner of speaking date ” selected and the day the payment is initiated, your bankruptcy to provide us with accurate payee and billing information, Online Banking and/or Bill Pay service downtime, payee mismanage or delay of a requital sent by Bill Pay, delays in mail manner of speaking, changes of merchant address or report count, or other circumstances beyond our control that prevent completion of the transaction even though we have taken fair steps to avoid those circumstances. In the event we cause an incorrect amount of funds to be removed from your account or direct funds to a payee that do not comply with your instructions, we will return the improperly transferred funds to your account and/or transfer funds to the appropriate payee. In the event that you do notice an error or have any questions in regard to Bill Pay, please contact 855.621.4782 .
This online/mobile service will confirm a nowadays transaction only if you have sufficient available funds in your checking account or overdraft line to cover it. Future-dated transactions are stored by the system, but funds are not debited from your account until the “ Process Date ” as determined by the “ delivery date ” you have requested the payee to receive the payment. You will be notified if a requital fails .
Authorization to Charge Accounts
You authorize the Credit Union to charge your primary Checking Account for any transactions accomplished through the use of Online Bill Pay, including the sum of any bill requital that you make, and any charges for the service. In adding a payee or maintaining a payee list, even if no payments are scheduled, you are electing to use the full moon Bill Payment service and therefore you authorize the Credit Union to process on-line bill payments and to transfer funds according to the instructions we receive if the instructions are received from you through Bill Pay. You authorize the Credit Union and/or our third base party service supplier to initiate any invert entry or reversing file, and to debit your accounts at the Credit Union or elsewhere, in order to correct any misguided credit rating introduction. If a Bill Pay request describes the beneficiary inconsistently by identify and account count, execution of the request will occur on the footing of the report number, even if it identifies a payee unlike from the named beneficiary. Your duty to pay the total of the on-line poster requital to the Credit Union is not excused in such circumstances. In addition, you agree to be liable for any and all losses associated with bankruptcy to comply with this Agreement and you authorize the Credit Union to deduct such measure, including lawyer ‘s fees, from your report for any actions needed to collect such amounts .
Limitations on Services
1 ) dollar Amounts. There is a dollar limit of $ 9 ,999 .99 ( or the available remainder in your primary Checking Account, whichever is less ) on any payment.
2 ) frequency. An inexhaustible number of on-line beak payments can be made each calendar month.
3 ) available Funds Required. All on-line placard payments initiated through Online Bill Pay are subjugate to there being sufficient funds available in your primary coil Checking Account to cover the transfer on the schedule Initiation Date or early as outlined in this Agreement .
Documentation and Verification of Payments and Transfers
1) Confirmation Numbers
Upon completion of a transaction using Online Bill Pay, a ratification number will be given. You should record this number, along with the payee, scheduled go steady and transaction total in your checkbook register ( or other permanent record, ) because this will help in resolving any problems that may occur. You can besides print the page/screen that contains the count, and/or view the information in your account history. No print receipts are issued through Bill Pay.
2) Periodic Statements
Information concerning Bill Pay transactions will be shown on your normal monthly statement for the bill from which payments are made .
Canceling or Modifying Online Bill Pay Authorized Payments Right to Cancel Payment
In rate to cancel or modify a Bill Pay transaction designated you must use Bill Pay or Michigan First Mobile and follow the instructions provided to you. If your transaction is scheduled for a date in the future, you must cancel the requital Bill Pay before 2:00 p.m. ET of the day before the schedule initiation Date .
Payments processed electronically can not be stopped after your account has been debited. however, if necessary, you may request a stop payment decree be placed on paper checks issued for on-line bill payments. The Credit Union will only accept a verbal or written detect to stop a Bill Pay non-electronic payment if the notice is received by us in time to act on the ordain and includes sufficient information for us to identify the requital ( i.e. your Credit Union bill number, transaction date, dollar amount, payee, and so forth ). You understand that the claim data is necessary to by rights stop the payment. If you give us incorrect or incomplete data, we will not be creditworthy for failing to stop payment .
Cancellation and Reactivation of Service
1) Cancellation by Account Owner
Bill Pay can be cancelled at any time by any owner of the Primary Checking Account by calling our Member Service Department at 800.664.3828, or by writing to 27000 Evergreen Road, Lathrup Village, MI 48076. Previously paid service fees will not be reimbursed.
2) Cancellation by Credit Union
The Credit Union can terminate your Bill Pay privileges without notice if you do not pay any tip required in this agreement when due or if you are using Bill Pay in a manner inconsistent with the terms of this Agreement. The Credit Union besides reserves the right to cancel your Bill Pay access if you have not logged in to the service within a 90-day period.
Reactivation may be made possible by contacting the Member Service Department at 800.664.3828. The Credit Union reserves the correct to charge a reactivation fee based on the current charge assessed by our third party service supplier. You may besides be required to qualify for the military service, which we may deny .
There is no activation fee or monthly servicing tip charged to sign up for Bill Pay. occasionally you may require a transcript of a see. These may be obtained tip complimentary by calling Bill Pay Member Service at 855.621.4782 .
Applicable To All Fees and Charges
The Credit Union reserves the right to charge or change the come of service fees at any time. We will mail or deliver a written notice to you at least 30 days before the effective date of any change in tip amounts .
If you do not have sufficient available funds in your account on the date the fee or charge is account payable, you authorize the Credit Union to automatically deduct the charge from your account angstrom soon as funds are available or from any early account you own at the Credit Union .
Log-In and Security Procedures
You represent that you have considered the security procedures of Bill Pay and find that the security procedures are commercially fair for verifying that an on-line placard payment, is in fact, yours. In reaching this decision, you have considered the size, type and frequency of charge payments that you anticipate issuing to the Credit Union. If, in your judgment, the security procedures are not commercially reasonable, or if the size, type and frequency of your transfers change, and the result is that the security procedures cease to be commercially reasonable, you must inform us within 30 days .
H. External Transfer Service
MICHIGAN FIRST External Transfer Service, ETS, is offered to eligible members in joining with MICHIGAN FIRST Online Banking and MICHIGAN FIRST Mobile. By using MICHIGAN FIRST Online Banking and MICHIGAN FIRST Mobile ’ s External Transfer Service, you agree to abide by the terms and conditions set forth in this Agreement, the MICHIGAN FIRST Membership/Account Agreement referenced above, and any further instructions provided to you by the Credit Union .
ETS is an electronic funds transfer service offered as an extra convenience to members in good standing at the Credit Union. You may access ETS using a personal computer ( personal computer ) with an internet connection, or a mobile device with internet access. ETS can be accessed through both MICHIGAN FIRST Online Banking and MICHIGAN FIRST Mobile .
You may use ETS virtually any time, day or night, 7 days a week. however, the serve may be temporarily unavailable due to record updating or technical difficulties. To utilize the services, you will need to satisfy the system ’ second security procedures .
By enrolling and/or using ETS, or authorizing another to use the servicing, you agree to comply with these terms and conditions. Your initial use of ETS constitutes your adoption and agreement to be bound by these terms and conditions .
ETS allows you to transfer funds between your personal down payment match and savings accounts at MICHIGAN FIRST and certain deposit or investment accounts owned by you at other U.S. fiscal institutions ( “ External Accounts ” ) .
An inbound transfer moves funds from an external Account into an eligible report you own at MICHIGAN FIRST ( “ Eligible Account ” ). An outbound transfer moves funds from an eligible score you own at MICHIGAN FIRST to an external account .
You must be enrolled in Online or Mobile Banking Services to use ETS. ETS is not available for some accounts, for example, irrevocable faith accounts, custodial accounts, guardianship accounts .
You must be a extremity in good stand, at least 18 years of old age, and you must have a valid Social Security Number in order to request ETS. In order to use ETS, you must enroll and verify your external Accounts .
Verification of Identity and Account Ownership
By enrolling external Accounts in ETS you authorize MICHIGAN FIRST to obtain data from any fiscal institution ( s ) holding your external Account ( mho ) in order to confirm your entree to and/or ownership of such accounts. You besides authorize MICHIGAN FIRST to request information regarding you and your external Accounts from other third party sources to verify your identity and report ownership, to protect against imposter, to confirm your practice of use or exceptional manipulation, to comply with applicable police, and/or as differently reasonably necessity in club for the Credit Union to provide ETS to you .
MICHIGAN FIRST is under no debt instrument to you, or any other person, to verify or confirm your identity, registration information, or your possession of the External Accounts ; or to confirm that your Credit Union lodge accounts and the External Account ( second ) are held in the same name and/or legal capacity. You represent and warrant your MICHIGAN FIRST accounts and the External Account ( randomness ) are held in the lapp name or legal capacity and/or you have the authority to make deposits to and withdrawals from such account ( randomness ). You agree to provide true, accurate, current, and complete information about yourself and your external Accounts. You agree to not misrepresent your identity or your account information .
When we enable ETS we will advise you of what your verification method will be. You will be asked to provide proof that you are authorized on the External Account. This proof will include providing your account information and extra information to validate your ownership of the External Account, and such early method acting of confirmation which we deem satisfactory in our sole free will. If you fail to follow our verification procedure, or if the information you provide is insufficient to validate your ownership of the External Account for any reason, you will not be permitted you use ETS .
Means of Transfer
ETS is available for funds transfers to control accounts in the United States alone and transfers are made in U.S. dollars only. You understand MICHIGAN FIRST has a assortment of bank channels and means by which to make these transfers. In most cases we will use the ACH Network to execute your requests, however MICHIGAN FIRST specifically reserves the justly to utilize other methods of transfer .
You agree to be bound by the rules and regulations that govern any applicable funds transfer systems, including, but not circumscribed to, the ACH Network Rules as published by the National Automated Clearinghouse Association ( NACHA ), and the Federal Reserve Banking System. You agree not to affect any funds transfers from or to an account that are not allowed under the rules or regulations applicable to such accounts including, without restriction, to rules or regulations designated to prevent the transmit of funds in rape of OFAC regulations. You further expressly agree not to originate any transactions which violate the laws of the United States of America .
MICHIGAN FIRST reserves the right to terminate or suspend your access to ETS should you be in violation of any of the applicable rules and regulations governing the ACH Network, including but not specify to the NACHA Operating Rules .
Initiating and Scheduling Transfers
After the confirmation action is dispatch, you may begin establishing transfers .
Transfers can be scheduled on either a erstwhile or a recur basis. work of erstwhile transfers may be scheduled for knowledgeability on the future business day or for a future date. Transfers may be scheduled in advance. The recurring transfer feature may be used when a determined sum is transferred at regular intervals. For exemplar, you may schedule a $ 500 transfer from your MICHIGAN FIRST Eligible Account to an external account every other week on a specified weekday .
For erstwhile and recurring transfers you will be asked to select the date that you want us to initiate the process of the transfer .
erstwhile future-dated or recurring transfers scheduled for a weekend or a non-business day will be processed on the future business day .
Dollar and Transaction Limits
Daily Inbound Transfer Limits : There are limits on the full measure of all transfers from an external account to a MICHIGAN FIRST Eligible Account that can be scheduled for a given day. The day by day limit will be displayed within MICHIGAN FIRST Online Banking and the Mobile App .
Daily Outbound Transfer Limits : There are limits on the total measure of transfers from MICHIGAN FIRST eligible Accounts to External Accounts that can be scheduled for a given day. The daily limit will be displayed within MICHIGAN FIRST Online Banking and the Mobile App .
Limits may be adjusted at any time MICHIGAN FIRST based on your account transactions, and such other factors as MICHIGAN FIRST may determine to apply in its exclusive discretion. You agree that in the consequence that we determine that there are risks associated with any transfer, or if we determine that you no longer qualify for this service, we may delay or cancel any transfer, or request that you contact us to provide extra details on the transfer before it is initiated or funds are released .
Monthly Limit : The Federal Reserve Regulation D limit on the frequency of savings account transactions of six per calendar month besides applies. You may make no more than six transfers from a savings account per calendar calendar month or statement hertz .
We will use the date the transaction is scheduled to occur ( as opposed to the date you initiate it ) to apply these limitations .
Questions regarding the dollar or transaction terminus ad quem relating to a specific transfer should be directed to a Member Service Representative at 800.644.3828 .
A transfer will begin processing on the schedule date and will remain in process until fully processed. While process, the condition of the transaction will appear as “ pending ”. Transfers are listed as pending until the first process prison term on the scheduled date ( normally around 11:00 a.m. ET ). once processed, the transfer is no long considered pending and the status will appear as “ posted ” .
Recurring transfers ( displaying the next schedule date ) are pending until the transfer expires .
You agree that we may cancel a transportation, without prior notice, in the consequence that :
Any of your accounts with MICHIGAN FIRST are not in adept stand .
You have had an overdraft, an over-limit token, or an detail returned for insufficient available funds with respect to any MICHIGAN FIRST sediment account during the death three months .
You have had any prior remove canceled, revoked, or uncompleted due to reasons such as insufficient available funds, revoked authority, stopped payments, or frozen account .
MICHIGAN FIRST will not be liable to you if we do not provide notice to you of rejection of a remove .
For inbound transfers, you agree that you will only attempt to register External Accounts that you own or for which you have the authority to transfer funds .
by and large, inbound transfers post by 11:00 a.m. ET on the date scheduled. however, these funds will be unavailable and held for three commercial enterprise days .
While we will make all fair efforts to ensure your transfer requests are processed in a timely manner, MICHIGAN FIRST expressly reserves the right to hold funds beyond the periods set forth in this part .
You agree that you will have sufficient available funds in the delegate eligible account to cover all outbound transfers on the date scheduled. If your eligible account does not have sufficient available funds on the schedule date, we may elect not to initiate one or more of the transfers. If we do elect to initiate the transfer, it may cause an overdraft in your account in which shell you will be liable for any overdraft and NSF fees, as set forth in your account agreement and our Fee Schedule. The fact that we may honor outbound transfer requests that overdraw the available account remainder does not obligate us to do thus late. Regardless of whether or not we elect to initiate the transportation, you agree to pay all relate fees as disclosed in your membership and Account Agreement and Fee Schedule .
broadly, outbound transfers post by 11:00 a.m. ET on the date scheduled .
While we will make all reasonable efforts to ensure your transfer requests are processed in a timely manner, MICHIGAN FIRST expressly reserves the right to hold funds beyond the periods set forth in this section .
Unsuccessful, Rejected, Delays and Cancellations
If a transplant fails to be executed, the Credit Union will notify you of via e-mail, U.S. mail, or through messages delivered through Online and/or Mobile Banking. The method acting of telling shall be in our sole discretion .
We may reject any request for transfer at any time for any reason, in our sole delicacy. If we reject a transmit request for any reason, you will be informed during your on-line session or via a secure message within Online Banking or Mobile Banking soon thereafter .
subjugate to the limitations included herein, you can cancel erstwhile future-dated and recurring transfers anterior to process by 11:00 a.m. ET. You can not cancel transfers that are processed. We may, however, at our option undertake to cancel the transaction. While the easiest means to cancel a transfer is through the above-described method acting, you may request to cancel a erstwhile future-dated or recurring transfer by calling us at 800.664.3828. If you call, we may besides require you to submit your request in compose and get it to us within 14 days. You may not call and cancel an in process or processed transfer .
You may cancel or amend a transfer request only if we receive your notice of such cancellation or amendment anterior to the execution of the transfer and at a time which provides us with a reasonable opportunity to act upon such poster. MICHIGAN FIRST will not be apt to you for any loss resulting from the failure of another fiscal institution to agree to the recall or rectify of your transfer request .
MICHIGAN FIRST will not be responsible for any delay, failure to execute, or failed execution of a transfer request due to circumstances beyond its command, including without restriction, any inaccuracy, interruption, check in transmittance, or failure in the means of transmittance of your request or execution of such request, whether caused by power failures, equipment malfunctions, or acts or omissions of any mediator benefactive role fiscal institution. MICHIGAN FIRST makes no warranties, express or implied, including the failure of any mediator or beneficiary fiscal institution to credit you or your benefactive role with the amount of the external funds transfer after receipt of like with respect to any matter .
Information Relied Upon by the Credit Union
You acknowledge and agree that MICHIGAN FIRST is relying upon the information you provide in originating a transfer on your behalf. Errors in the information are your duty, including incorrect or inconsistent report names, numbers, ABA information, or the name of fiscal institution holding your external Account. You understand and agree if your instructions identify an external account by name and account issue, the relevant fiscal institution may execute those instructions by mention to the report numeral merely, even if such issue does not correspond to the name. You understand some fiscal institutions holding your external Accounts may not investigate discrepancies between names and numbers. In accession, you agree that MICHIGAN FIRST has no responsibility to investigate discrepancies between names and report numbers in this or any other exemplify .
Transfer and Related Fees
You agree to pay all transfer and related fees as published from time to prison term in the MICHIGAN FIRST Fee Schedule .
Your Responsibility for Errors
You understand that MICHIGAN FIRST must rely on the information provided by you and you authorize MICHIGAN FIRST to act on any transfer request or education which has been or sanely appears to have been sent by you. You understand fiscal institutions receiving the transmit instructions may rely on such information. MICHIGAN FIRST is not obliged to take any farther steps to confirm or authenticate such instructions and will act on them without getting foster ratification. You besides understand if you provide us with incorrect data, or if there is any error in your transfer request or other education, we will make all reasonable efforts to reverse or delete the transfer request and/or instructions ; but you accept fully duty for losses resulting from any errors, duplication, ambiguities, or imposter in the data you provide. You agree not to impersonate any person or use a identify you are not authorized to use. If any data you provide is untrue, inaccurate, not current or incomplete, without limiting other remedies, MICHIGAN FIRST reserves the right to recover from you any costs or losses incurred as a send or collateral result of the inaccurate or incomplete information .
The Credit Union’s Liability
If MICHIGAN FIRST fails to timely initiate a transfer request or early education, causes an faulty total to be removed from an history, or causes funds from an report to be transferred to any account other than the account specified in the applicable transfer education, we shall be creditworthy for returning the improperly transferred funds and/or for directing any mislead funds to the proper account. however, MICHIGAN FIRST shall not be creditworthy where the failure is the result of another your fiscal initiation ’ second system. Except as may be otherwise required by law, MICHIGAN FIRST shall not be liable for any losses and damages other than those arising from its gross negligence or willful wrongdoing. MICHIGAN FIRST shall not liable under any circumstances for any losses or damages if, through no defect of ours, you do not have sufficient available funds to make the transportation and the transfer is not completed, is former reversed, if your fiscal initiation does not permit the transportation, or the transportation would exceed the credit restrict on any applicable overdraft line.
MICHIGAN FIRST is not creditworthy for any losses or damages incurred where circumstances beyond our operate prevent us from making a transportation or if our web site was not working properly and you knew about the dislocation when you initiated the transportation .
Suspension and Reinstatement of ETS
In the event MICHIGAN FIRST, at any time, incurs a trouble with your use of ETS, including without limit, a failure 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 we may have under these terms and conditions or otherwise, MICHIGAN FIRST reserves the right to suspend your use of ETS, immediately, and without anterior notice to you. You understand and agree such action is reasonable for MICHIGAN FIRST to take in order to protect itself from loss. In the event of such suspension, you may request reinstatement of ETS by calling 800.664.3828, or by writing to us at MICHIGAN FIRST Credit Union, 27000 Evergreen, Lathrup Village Michigan 48076. MICHIGAN FIRST reserves the right, in its sole discretion, to grant or deny reinstatement of your use of ETS. In the event MICHIGAN FIRST agrees to reinstate ETS, it reserves the right to reinstate ETS subjugate to lower per-transaction and monthly dollar limits and/or with other restrictions than differently might be available to you. Based upon your subsequent custom of ETS, MICHIGAN FIRST may thereafter, in its exclusive discretion, restore your ability to effect transfers subject to higher limits as then may be in effect .
Disclaimer of Warranties and Limitation of Liability
YOU UNDERSTAND AND AGREE THAT ETS IS PROVIDED “ AS-IS ; ” EXCEPT AS OTHERWISE PROVIDED HEREIN OR AS OTHERWISE REQUIRED BY LAW. MICHIGAN FIRST ASSUMES NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MISDELIVERY, OR FAILURE TO STORE ANY USER COMMUNICATION OR PERSONALIZATION SETTINGS. YOU UNDERSTAND AND EXPRESSLY AGREE USE OF ETS IS AT YOUR SOLE RISK, ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF ETS IS DOWNLOADED OR OBTAINED AT YOUR OWN DISCRETION AND RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM OBTAINING SUCH MATERIAL AND/OR DATA. EXCEPT AS EXPRESSLY SET FORTH HEREIN OR ELSEWHERE IN THE ONLINE AND MOBILE BANKING AGREEMENT OF WHICH THESE TERMS AND CONDITIONS ARE A PART. MICHIGAN FIRST AND ITS LICENSORS DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED .
We reserve the right to change the terms and conditions upon which ETS is offered. We will notify you before the effective date of any change, as required by law. Your manipulation of ETS is subject to existing regulations governing your MICHIGAN FIRST accounts and any future changes to those regulations .
We reserve the right to terminate your ETS privileges without notice if you are in misdemeanor of these terms and conditions or if you are using ETS in a manner inconsistent with these terms and conditions. You may cancel ETS at any time by calling 800.664.3828, or by writing to us at MICHIGAN FIRST Credit Union, 27000 Evergreen, Lathrup Village Michigan 48076. We are not responsible for any remove made through ETS before we have a fair opportunity to act on your detect of termination. You remain oblige for any payments made on your behalf .
I. Remote Deposit Description of Service
Our Mobile App enables you to use our outback lodge feature and a mobile device approved by us to ( i ) create electronic images of the front man and back of checks and ( two ) transmit those images and early information, including, without limit, information captured from the magnetic ink character recognition ( “ MICR ” ) line, to us for review and processing in accordance with this Agreement. “ electronic Item ” means the electronic image of each arrest and other information captured from the check. distant down payment requires taking pictures of both the battlefront and rear of the check ( s ) using our Mobile App and submitting the images electronically for processing. Checks must besides be properly endorsed as described below .
Endorsements and Safekeeping
You agree to endorse any detail transmitted and to send a picture of the movement and back of the item presented for payment. Endorsements should include the following written in the endorsement area on the back of the check :
1. The key signature of each payee listed on the front of the check .
failure to properly endorse items could result in the token ( randomness ) being rejected for deposit .
You agree that after depositing the item, you will store the original check in a safe and fasten invest and produce it at our request at any time within six ( 6 ) months of the date of depository. Do not mail the detail to the Credit Union unless we request it and do not attempt to deposit the match in another manner. You must safe keep the original item for six ( 6 ) months ; we recommend condom keeping items for a year before destroying them. You agree that if you can not provide the original item to us during this six-month period after we request it and we suffer a loss or expense as a result, you will reimburse us for the total of the loss or expense .
The trope of an item transmitted to us using the distant deposit feature must be legible and check images of the front and rear of the check being deposited. The image quality of the items must comply with the requirements established from time to time by the American National Standards Institute ( “ ANSI ” ), the Board of Governors of the Federal Reserve Board, or any other regulative agency, clearing house or affiliation. These requirements include, but are not limited to, ensuring the follow information can distinctly be read and understood by sight review of the check double : the come of the check ( both written and numeric ) ; the payee ; the touch of the draftsman ( maker ) ; the date ; the check number ; the information identifying the drawer and the paying fiscal mental hospital that is preprinted on the crack including the MICR line ; and all other information placed on the assay anterior to the fourth dimension an trope of the see is captured ( such as any ask recognition written on the front of the control and any endorsements applied to the back of the check ) .
Deposit Conditions and Limitations
Your deposit limit is approved based on your relationship with the Credit Union ; we will inform you of your lodge restrict .
You may experience technical or other difficulties while using outside deposition. While the Credit Union strives to ensure this does not happen, we can not and do not assume any province for technical foul or other difficulties or any leave damages that may occur. Some features of Remote Deposit may have reservation requirements, and we reserve the right field to change them at our discretion at any time without anterior comment. We further reserve the right to change, suspend or discontinue Remote Deposit, in whole or character, or your function of Remote Deposit immediately and at any meter without anterior notice .
You agree that you will not use distant deposit to scan and deposit any checks or other ineligible items. The play along items are ineligible items :
1. Checks or items collectible to any person or entity other than an owner ( elementary or joint ) of the score,
2. Any third party checks, i.e., any detail that is made collectible to another party and then endorsed over to you by such party,
3. Checks or items drawn on an score and being deposited to the same explanation,
4. Checks or items containing obvious change to any of the fields on the battlefront of the detail,
5. Checks or items drawn on a fiscal institution located outside of the United States of America,
6. Checks or items not account payable in US Currency,
7. Photocopies of checks,
8. money orders,
9. Savings bonds,
10. Checks purporting to be a lottery or prize winning
11. public toilet checks drawn against a argumentation of credit,
12. Checks previously submitted for deposit unless we rejected the lodge and you are presenting the original item at our request,
13. Checks or items prohibited by our current procedures ( call us if you have any questions ), or
Use of outside deposit for these ineligible items may result in the suspension or end point of your use of distant deposit .
If an detail deposited through remote control deposit is dishonored, rejected or otherwise returned amateur by the drawee bank, or is rejected or returned by a authorize agentive role or collecting bank, for any reason, including, but not circumscribed to, issues relating to the choice of the image, you agree that an original hindrance will not be returned to you, but that we may charge back the come of the original check and provide you with an image of the master match, a wallpaper reproduction of the original determine or a substitute check .
In the event you are unable to capture, balance, action, produce or transmit a bridle to us, or differently comply with the terms or the procedures for any argue, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the original of the check mark to us. The deposit of master checks at one of our branch locations shall be governed by the terms and conditions of the Membership and Account Agreement .
You agree to follow this and any other procedures and instructions we issue for consumption of distant deposit .
Receipt of Items
After we receive your transmission, we will review each electronic detail. For each electronic item we determine is eligible for processing as described below, we will : ( 1 ) create a ersatz check that we will present directly or indirectly to the bank ( a ) on which the original determine to which the electronic item relates is drawn, or ( boron ) at or through which the check is account payable ( 2 ) include the electronic token in an electronic file for presentment directly or indirectly to drawee bank ; or ( 3 ) present or post any electronic item for which we are the drawee trust. We reserve the right to reject any detail transmitted through distant deposit, at our delicacy, without liability to you. We are not creditworthy for items we do not receive or for check mark images that are dropped during infection. An visualize of an item shall be deemed received when you receive a confirmation from us that we have received the image. Receipt of such confirmation does not mean the transmission was error free or accomplished. Processing and/or transmittance errors can occur after we acknowledge receipt that may impact transaction completion. You should review the deposit history to confirm condition of the deposit. No extra notice will be sent if for any reason the situate was rejected .
Availability of Funds
Deposits made on a business day by 11:59 post meridiem EST/EDT as observed in Lathrup Village, Michigan will be treated as received on that date ; otherwise they will be treated as received on our future commercial enterprise day. Deposits made using distant deposition will be provisionally credited with the funds by and large available to you on the third business day, unless a longer defend is applied in accordance with our funds handiness policy .
You agree that we will not be liable for any damages incurred by you or any third party arising from or related to the manipulation of distant deposit or the inability to use distant deposit .
presently we do not charge any fees unique to this Agreement although the fee provisions of relate agreements and disclosures besides apply to this Agreement as applicable. We reserve the right to impose and change fees at our delicacy, but we will provide you with at least 30 days ’ advance notice in the manner required by jurisprudence before we institute or change any fees .
Mobile devices using our Mobile App will utilize the follow security features :
• 128-bit encoding masks your medium data
• Password is required each time you login
• Biometric recognition if your mobile device supports this feature of speech and you have enabled it
• Multifactor authentication if application is used on an unrecognized device, password and exploiter id resets
You must maintain security of your mobile device, including considering using passwords to access your device. Be mindful that downloading applications of unknown or fishy origin could compromise your on-line banking credentials. Malware is a serious issue, and malware infections can besides occur when a drug user attempts to unlock or hack your device. Take caution using your device at all times. If you believe your mobile device or login password has been compromised or that person has transferred money from your score without your permission, or may be about to do so, call Member Service Department by call at 800.664.3828 .
J. Credit and Debit Card Controls
Michigan First Credit and Debit Card Controls ( “ Card Controls ” ) are offered to eligible members in connection with our Michigan First Mobile Banking App. By using Michigan First Mobile ’ s Card Controls offered herein, you agree to abide by the terms and conditions set forth in this Agreement, the MICHIGAN FIRST Membership/Account Agreement referenced above, and any further instructions provided to you by the Credit Union or the Card Controls central processing unit regarding processing of Card Controls .
Description of Service
The Mobile Banking App can be used to define controls for use of your debit and recognition cards. You can set preferences for Alerts to be received on your mobile device when transactions using the cards you have enrolled in the Mobile Banking App are made or attempted. You can control when and where your enroll cards can be used equally well as view and act on moment Alerts when transactions using your enroll cards are processed, perform wag management functions such as turning your cards on/off, and perform basic mobile bank functions such as viewing transactions .
Your Agreements When You Install or Use the Mobile App
In summation to your other agreements herein and any classify agreements between you and us concerning your debit and accredit cards :
1. You represent and warrant that a ) you are of sufficient legal old age to install and use the Mobile App and to create bind legal obligations for any liability you incur as a result of install and using the Mobile App, barn ) except as otherwise provided by applicable law, you understand that you are financially creditworthy for all uses of the Mobile App by you and those who are authorized by you to use the data and information you provide to them to enable them to use the Mobile App including, without limit, your password, verification information, and account information, speed of light ) you are creditworthy for any fees and charges assessed by us for use of the Mobile App or those associated with your debit and accredit cards, and cytosine ) you will lone install and use the Mobile App for yourself and not for any other person.
2. You agree that all of the information you provide in the registration work and at all other times is accurate, current, accomplished and on-key.
3. You are responsible for maintaining the accuracy and confidentiality of all data you provide when enrolling cards into the Mobile App and using the Mobile App including, without restriction, your password, verification information and card information and all transactions and early activities that occur using the Mobile App whether supplied to you by us or provided by you during the adjustment summons.
4. You may not, and you agree not to, transfer or assign your use of, or access to the Mobile App to any third gear party.
5. You authorize us to provide access to your enroll accounts through the Mobile App. 6. You are creditworthy for any and all charges, including, but not restrict to, fees differently applicable to your account ( s ) charged by us.
7. The Mobile App is provided for your public toilet and any information about your accounts that you receive when using the Mobile App, including without limitation, confirmation of transactions, does not replace your periodic account statement ( s ), which is the official phonograph record of your accounts.
8. You agree to indemnify, defend, and hold us and our third party licensors and our and their respective directors, officers, employees and agents, harmless from and against any and all claims, indebtedness, damages, costs and expenses, including reasonable lawyer ’ randomness fees, penalties and fines that result from or arise out of ( iodine ) your misdemeanor of this Agreement or your unauthorized or misapply of the Mobile App ; ( two ) transactions conducted using the Mobile App ; ( three ) failed, delayed, or misdirected delivery of, any information sent using the Mobile App ; ( four ) any errors in data sent through the Mobile App ; ( volt ) any action you may or may not take in reliance on the information provided when using the Mobile App ; and ( six ) any disclosure of data provided by you including, without limit, your account information to third parties resulting from your use of the Mobile App. Your obligation under this paragraph shall survive ending of your use of the Mobile App or this Agreement .
Alerts Via Push Notifications
This Agreement besides governs the alerts and other information ( jointly “ Alerts ” ) you receive via push notifications delivered through the Mobile App. When you are logged into the Mobile App you will receive a message asking if you want to allow push notifications by pressing “ yes ” or “ no ”. If you press “ yes ” for push notifications you have enabled the mail of Alerts depending on the preferences you set in the Mobile App for your accounts. For exemplar, you can set preferences to receive the Alerts via push notifications for information relate to locations where your tease is being used ; international authorizations ; transaction and merchant type ; amounts charged to your card ; changes to controls or usage for a share calling card ; and changes to cardholder information. Instructions and specific information regarding how to set your preferences and Alerts available can be found within the Mobile App itself. The Alerts are topic to the terms and conditions of your Internet service supplier or wireless supplier. Alerts may not be encrypted. Alerts can be delivered whether or not you are logged into the Mobile App and whether or not your device is locked or in sleep mood. They may include your name and account information. We can not guarantee timing or acknowledge of the Alert, as this may be affected by forces outside of our control. In the event that an Alert is delayed, or not received, we are not responsible for any related impacts. We will not charge a fee for sending Alerts but your radio supplier or internet service supplier might charge a tip depending on your design. If you do not wish for others to see your Alerts, you should establish a passcode lock on your device, lock it when not in practice, and guard the filmdom on your device when it is unlock. We may terminate the alert serve at any time. To manage Alerts including to change or turn off Alerts, you can log into the Mobile App and turn off “ Notifications ” within the Mobile App or contact our Member Services and they will walk you through how to turn off Alerts on your mobile device. We will never send an Alert that asks you to supply any sensitive personal or fiscal information such as your social security number or your account numeral. If you receive such requests, do not respond and contact us immediately .
Third Party Services
The Mobile App may enable access to third party services and web sites, including GPS locator websites such as Google, that allow you to find a outgrowth. use of the third base party services may require Internet access and that you accept extra terms of service .
To the extent the Mobile App allows you to access third party services, we and our respective
third party licensors reserve the correct to change, suspend, remove, or disable access to any part of the services or all of the services at any time without notice to you. In no consequence will we or our one-third party licensors be liable for the removal of or disabling of access to any such services. We may besides impose limits on the use of or access to certain services, in any case and without notice or indebtedness to you .
You understand that we may offer to integrate our own and/or our third party licensor ’ s and/or with third base party services for your convenience. Further, you understand that we are not affiliated with, do not endorse, and are not responsible for these third-party services. We are not responsible for the contents of, updates to, or privacy practices of these third gear parties, which may differ from ours. The personal data you may choose to give to us by means of installing the Mobile App on your mobile device and enrolling your accounts to use the Mobile App shall be governed by our privacy policies .
K. Periodic Statements
You will not receive a separate statement regarding transactions you complete via Michigan First Online Banking and/or Michigan First Mobile. All transactions will appear on the periodic affirmation for the explanation ( south ) that have been accessed and transactions performed via Michigan First Online Banking and/or Michigan First Mobile. You may besides view report action on the allow Michigan First Online Banking and Michigan First Mobile screens. It is your province to promptly examine each periodic statement carefully and reconcile the account. If there are any discrepancies, errors or other items that you have questions about, you should notify us immediately. Except as expressly provided for elsewhere or by applicable law, you have the responsibility for any fraud loss if you fail to exercise reasonable caution in examining the argument and account information or fail to report discrepancies, errors, forgeries, alterations or other items that you question to the Credit Union within 60 days of the information being made available to you for your review or the date of the periodic statement containing such items, whichever is subsequently .
If you are approved to use Michigan First Online Banking and/or Michigan First Mobile, you agree to access the military service in accordance with all security procedures as implemented by the Credit Union from time to time, in its sole free will. The security procedures and all passwords, drug user IDs or other information used to identify you or any authorized user is confidential and should not be disclosed to third base parties. You are creditworthy for the guardianship of this information. You agree not to disclose or otherwise make this information available to anyone not authorized to sign on your accounts. The Credit Union reserves the right to change or alter security procedures as deem appropriate .
You understand the importance of your function in preventing misuse of your accounts through Michigan First Online Banking and/or Michigan First Mobile and you agree to promptly review your argument for each of your accounts angstrom soon as you receive it. You agree to protect the confidentiality of your report, member number, personal designation count ( PIN ) and any early code, password, or other means of designation we may provide to you. These means of identification are intended to provide security against unauthorized entrance or access to Michigan First Online Banking and Michigan First Mobile or your accounts .
All data transferred to and from Michigan First Online Banking and Michigan First Mobile use encoding engineering coherent with diligence standards to reasonably protect the security of data transferred and recognition engineering to verify that the sender and receiver of Michigan First Online Banking and Michigan First Mobile transmissions can be appropriately identified by each other. Except as otherwise required by police, you understand and agree that MICHIGAN FIRST will not be liable for a gap of security in connection with the services offered in this Agreement. We can not and do not warrant or represent that all data transfers utilizing Michigan First Online Banking and Michigan First Mobile or e-mail transmitted to or by us, will not be monitored, intercepted, or read by others .
It is your sole responsibility to assure that your identification numbers, passwords or PINs are not revealed or otherwise made available to persons not authorized to access your accounts. Except as otherwise provided by police, you agree to assume all liability for disclosure of your identification numbers, passwords or PINs to any person ( mho ) or entities, and to assume all province for transactions or other account natural process performed by person ( south ) or entities other than yourself who have obtained your identification numbers and password.
You besides agree to immediately notify our Member Service Department by telephone at 800.664.3828, outside the local anesthetic area, of any unauthorized use of your password, any access or attempted access, transaction or undertake transaction, other account activeness or attempted report action, or any other rupture of security.
By activating the services provided for under this Agreement or accessing your accounts via Michigan First Online Banking and/or Michigan First Mobile you represent and agree that you have considered the security procedures contained herein and find that they are commercially reasonable for verifying that a transportation or other communication purporting to have been made by you is in fact yours. In reaching this conclusion you have considered the size, type, and frequency of transfers or early communications that you anticipate issuing through Michigan First Online Banking and/or Michigan First Mobile. If in your judgment these security procedures are not commercially fair or circumstances change so that you believe the procedures are nobelium longer commercially reasonable, you must notify us within thirty ( 30 ) days .
M. Fees and Charges
You agree to pay all fees and charges for use of Michigan First Online Banking and/or Michigan First Mobile as listed in the current tip schedule and you authorize MICHIGAN FIRST to sporadically deduct such fees from your primary see account or, if sufficient funds are not available, from any other of your accounts. These fees shall be in addition to any regular transaction fees that may be in effect for accounts you access via Michigan First Online Banking and/or Michigan First Mobile. Under no circumstances will we be responsible for telephone fees, radio receiver carrier wave fees or Internet Service Provider fees you incur to access Michigan First Online Banking and/or Michigan First Mobile. In addition, fees may be assessed for add features available through Bill Pay, such as rush payment fees and gift confirmation fees. An NSF fee, returned item, overdraft or similar fee may besides apply if you schedule payments or transfers and your available symmetry is not sufficient to process the transaction on the date scheduled .
By registering a mobile phone numeral with us, you are certifying that you are the report holder for the mobile call account or have the score holder ’ s permission to register the number. message and data rates may apply .
N. Warranty Disclaimer
Michigan First Online Banking and Michigan First Mobile are provided on an ASIS basis. WE MAKE NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE FOR MICHIGAN FIRST ONLINE bank OR MICHIGAN FIRST MOBILE. WE DO NOT WARRANT THAT MICHIGAN FIRST ONLINE banking OR MICHIGAN FIRST MOBILE WILL OPERATE WITHOUT ERRORS OR THAT IT WILL BE AVAILABLE FOR USE IN ACCORDANCE WITH THE TERMS OF THIS AGREEMENT. THIS WARRANTY DISCLAIMER EXTENDS TO ANY SERVICE OF MICHIGAN FIRST ONLINE banking OR MICHIGAN FIRST MOBILE WHICH INCLUDES, BUT IS NOT LIMITED TO, THE SERVICES LISTED HEREIN IN SECTION D .
O. Limitation of Damages
You hereby agree that our officers, directors, employees, contractors, or agents are not apt for any direct, indirect, special, incidental expense, exemplary, or consequential damages including lost profits, income, gross or data whether in an action based in contract, tort, or guarantee caused by the Credit Union, Michigan First Online Banking and Michigan First Mobile or the function thence, or arising out of the initiation, use, or sustenance of any products or services capable to this Agreement. Except as specifically set away in this Agreement you agree that our integral indebtedness and your exclusive remedy shall be amounts paid by you equal to one month of services provided through the Services. The Credit Union shall in no event be liable for any direct, indirect, extra, attendant, admonitory, or consequential damages including lost profits, tax income or data whether in an carry through based in contract, tort, or guarantee caused by the Credit Union, the Services, or the consumption thence, or arising out of the installation, use, or care of any products or services subject to this Agreement .
P. Contact with the Credit Union
You may contact us for any reason related to this agreement by calling our Member Service
Department at 800.664.3828 or in writing at Michigan First Credit Union, 27000 Evergreen Road, Lathrup Village, Michigan 48076 or via electronic mail at serve @ michiganfirst.com. You agree to immediately notify us of any change in either your e-mail address or mail address .
During the course of performance of this Agreement the Credit Union may obtain and collect non-public personal information about you and your authorize users. such information may be obtained through information you provide on applications for services, via electronic mail, or in response to surveys we may present to you. The collection of this information is for the sole and single aim of tailoring the product and military service offerings of Michigan First Online Banking and Michigan First Mobile to your particular interests and answer to your questions. Under no circumstances will such data ever be disclosed to any non-affiliated third base party for any purpose, except a may differently be authorized or required by law. We refer you to the Michigan First Credit Union Privacy Notice for far information regarding our privacy policies and procedures .
We may terminate your participation Online Banking and/or Michigan First Mobile at any time. We will try to notify you in advance, but we are not obligated to do so .
S. Electronic Funds Transfer Disclosure
The follow information supplements the information contained in the Electronic Funds Transfer Agreement provided to you in connection with the Electronic Funds Transfer Act .
Types of Transfers You May Make : You may make the watch types of electronic funds transfers using the Bill Payment Services :
• Make recurring payments from your checking score
• Make nonrecurring payments from your checking account
• Make transfers from your checking report to another fiscal initiation
Limitations on transactions : The following are limitations to the use of the Bill Payment Service :
• Bill payments can entirely be made from your checking account
• If your indicate circular payment report is closed all scheduled payments will be stopped
• You can not stop a requital if the payment has already been processed
• You can schedule payments 24 hours a day, seven ( 7 ) days a week, however, payments scheduled for delivery on a Saturday, Sunday, or on a holiday will be processed early then that the rescue date is just anterior to the weekend or holiday.
• There is a maximal dollar amount of $ 20,000.00. There are no limitations on the frequency of transfers .
We may decline to accept any proposed payee at our sole free will ; if we choose to do therefore you will be notified. This is most likely to occur if we have had or are presently having any problems with the payee .
Fees. You may be assessed fees for the above-described electronic funds transfers. Please consult to the fee schedule you received upon opening your account with Michigan First Credit Union, or the most recent version thereof. An extra on-line tip may be assessed to your account .
T. Electronic Statements and Notices Disclosure
This is a disclosure required by the Federal Electronic Signatures in Global and National Commerce Act ( E-Signature Act ) in order for us to provide you with disclosures and make agreements with you on-line .
By Accepting this agreement you agree ( if you are an authoritative drug user for a business or other entity, you agree on behalf of the commercial enterprise or other entity ) to the watch terms and conditions :
• You consent to the acceptance of notices, periodic statements, and disclosures by means of electronic delivery.
• You understand and agree that you have a right to receive any ask notices, periodic statements, and disclosures in newspaper form.
• You understand that you have the right to withdraw your consent, in which cases you will no longer receive electronic communications and the credit coupling will communicate with you thereafter in composition shape. You far sympathize and agree that in regulate to withdraw such consent you must provide Michigan First Credit Union with poster in writing at 27000 Evergreen Road, Lathrup Village, Michigan 48076 or via e-mail at help @ michiganfirst.com or change your elections from within the Online Banking and/or Mobile Banking App.
• once you have provided your accept to receive notices, periodic statements, and disclosures electronically, you can still obtain wallpaper copies of them by requesting such copies in write or via e-mail as described above. You agree to pay a tip for paper copies of such documents ; refer to the Fee Schedule for a list of fees.
• You must have an active e-mail address.
• You agree to notify Michigan First Credit Union immediately of any change in your e-mail address by updating your profile information via Michigan First Online Banking or Michigan First Mobile Banking, by electronic mail as described above or in writing.
• To receive Electronic Records, you must have entree to :
• A Current Version of an Internet browser we support,
• A connection to the internet,
• A Current Version of a course of study that accurately reads and displays PDF files ( such as Adobe Acrobat Reader ), and
• A calculator and an operate on arrangement capable of supporting all of the above. You will need a printer if you wish to print out and retain records on newspaper, and electronic storage if you wish to retain records in electronic human body.
• You agree that by accepting this agreement, you have consented to the provisions of this disclosure .
In the future, should the credit coupling, by law or rule, be permitted to deliver any extra notices or disclosures to which I am entitle besides those specifically listed herein, I hereby agree to receive such notices or disclosures in electronic format sent to my last-known electronic mail address .
I understand and agree that I remain entirely responsible to inform the credit union of all mail address and e-mail address changes. My failure to maintain current address information in my credit union account records does not relieve me of any responsibilities that I have under this disclosure or any break agreements.
U. Miscellaneous Terms
In addition to this Agreement and your electronic Funds Transfer Agreement, you agree to comply with and be bound by all terms and conditions of all applicable account agreements with Credit Union, and with all applicable law and regulations. We refer you to your Membership/Account Agreement and disclosures that you received when you opened your account with us or that we late provided to you ( use the most current version ) for extra terms and conditions and other disclosures that apply to your account .
We shall not be deemed to have waived any of our rights or remedies hereunder or under your Membership/Account Agreement unless such release is in writing and signed by an authorize congressman of the Credit Union. No delay or omission on our separate in exercising any rights under this Agreement or any explanation agreement you have with us shall operate as a release of such rights or remedies .
You represent that you have read and accepted the E-Signature Disclosure/Agreement, which allows us to provide you with statements, notices, early disclosures, equally well as agreement and other documents requiring your key signature electronically, and agree to comply with the E- Signature Disclosure and Agreement terms.
We may make amendments to this Agreement and any refer fees or charges by sending you a notice via electronic mail or even mail sent to the address as it appears in our records. Unless differently required by law, we will provide you notice of such changes in a manner we deem reasonable. Any consumption of Michigan First Online Banking and/or Michigan First Mobile after we send you a comment of change shall constitute your acceptance of such deepen in terms of this Agreement or EFT Disclosure .
Sections headings are for commodious reference only and shall not affect the think of or have any bear on the interpretation of any provision of this Agreement. If any provision of this Agreement is held to invalid, illegal, or unenforceable, the validity, legality, or enforceability of the remaining provisions shall in no manner be affected or impaired thereby .
This Agreement and the EFT Disclosure constitutes the entire agreement between you and the Credit Union on this national and supersedes all other proposals either oral or written between you and the Credit Union on this subject .
This Agreement shall be binding upon the successors and assigns of both parties. Obligations of both parties with esteem to confidential or private information and data pursuant to this Agreement stay in effect and shall continue and survive cancellation, end point, or termination of this Agreement .
This Agreement shall be capable to and interpreted under the laws of the State of Michigan.
V. Your Acceptance
By agreeing and accepting and accessing your report ( s ) via Michigan First Online Banking or Michigan First Mobile or Michigan First Voice Assist Banking you represent that you have read, in full sympathize and accept the terms of this Agreement, including but not limited to your intent that it be an addendum to your Membership/Account Agreement with us .
Revised : 11/08/2021