Authorized users of the State Employees' Credit Union web site are permitted to
review and print the contained information for his/her own informational
purposes only. Misuse of information and materials contained on this site is
strictly prohibited.
Disclaimer of Warranties
State Employees' Credit Union takes reasonable measures to ensure the quality
of data and additional information provided on this site. However, the
information is provided "as is" and SECU does not make any representations or
warranties, expressed or implied, as to the accuracy of these materials
including but not limited to text, graphics, and links. Descriptions of or
references to products, services or publications within the SECU web site are
not to be considered endorsement.
Limitations of Liability
State Employees' Credit Union shall not be deemed liable for any special,
incidental, indirect, or consequential damages of any kind including but not
limited to injury, claim, liability or loss of use, data, or profits in
connection with this site or any linked site.
Trademarks
State Employees' Credit Union & Design mark, State Employees' Credit Union
There is a Difference! & Design mark and Zard mark are trademarks owned by
State Employees' Credit Union.
Scheduled Unavailability
Member Access is unavailable from approximately 2:00 am - 5:00 am (Eastern) for scheduled processing.
CREDIT UNION INTERNET ACCOUNT ACCESS DISCLOSURE STATEMENT
A printed copy of this document may be requested by contacting your local branch or via
email.
Transfer Limitations
There is no limit on the number of transfers from your checking account,
whether they are made in person, by ATM, by mail, by electronic transfer or to
make payments on Credit Union loans.
Federal regulations limit electronic transfers from your share account to no
more than six transfers per calendar month if the transfer is to another of
your Credit Union share accounts or to a third party by means of a
preauthorized, automatic, telephonic (Touch-Tone Teller or oral), or Internet
instruction.
The functions and limitations of the Member Access service may be updated,
without notice, at the option of the Credit Union in order to provide improved
service to the membership. The Electronic Funds Transfer Act and Regulation E
require disclosure of the following information relating to Electronic Funds
Transfer:
Your Liability For Unauthorized Transfers
Liability disclosure. By applying for Internet account access, you agree to
accept responsibility for protecting the integrity of your Password, in order
to prevent unauthorized transactions and/or account access. You also agree that
the Credit Union may revoke Internet account access if unauthorized account
access and/or transactions occur as the apparent result of your negligence in
safeguarding the Password. Further, you agree that, if the Credit Union is
notified that you have included the Credit Union in the filing of a petition of
bankruptcy, the Credit Union may revoke or refuse to grant you Internet access
to your account.
Notify us AT ONCE if you believe your account has been accessed without your
authority. The best way to minimize your possible loss is to telephone,
although you may advise us in person, in writing, or via the Internet service.
If you do not notify us, you could lose all the money in your account (plus
your maximum line of credit amount). If you tell us within two (2) business
days after you learn of unauthorized access, you can lose no more than $50 if
someone accesses your account without your permission. If you do NOT tell us
within two (2) business days after you learn of the unauthorized access and we
can prove we could have stopped someone from accessing your account without
your permission if you had told us, you could lose as much as $500.
If your statement shows any electronic funds transfer you did not make or
authorize to be made, advise us at once. If you do not tell us within 60 days
after the first statement which reflected the unauthorized transfer was mailed
to you, you may not get back any money you lost after the 60 days, provided we
can prove that we could have stopped someone from taking the money if you had
told us in time.
If a good reason (such as a long trip or a hospital stay) kept you from telling
us, we may extend the time periods.
Address and Telephone Numbers. If you believe unauthorized access occurred on
your account or your Password has been stolen, or that someone has transferred
or may transfer money from your account by accessing your account without your
permission, call 24 hours a day toll-free: (888) 732-8562 or Raleigh
(919)857-2150.
or write:
State Employees' Credit Union
PO Box 29562
Raleigh, NC 27626-0562
Business Days
Our business days are Monday through Friday, excluding holidays.
Documentation of Transactions
Periodic Statements. You will receive a monthly statement for all your
accounts. Additionally, through the Internet account access service, you can
view all activity on your accounts for the last 45 days at any time.
Transaction Fees
The Credit Union does not charge for electronic funds transactions initiated
via the Internet or the right to access your account via the Internet. The
Credit Union reserves the right to charge for Internet account access services.
You will be given at least 21 days advance notice before the Credit Union
implements any changes or fees for any Internet account access related service.
Liability for Failure to Make Transfers
If the Credit Union does not complete a transfer to or from your account on
time or in the correct amount according to our agreement with you, we will be
liable for your losses or damages. However, there are some exceptions. We will
NOT be liable, for instance:
If, through no fault of ours, you do not have enough money in your account or
available through Overdraft protection to make the transfer.
If the funds in your account are subject to legal process, such as garnishment
or attachment, or if the account is subject to a pledge or security agreement.
If despite reasonable precautions that we have taken, circumstances beyond our
control (such as fire, power failure, flood or failure of paying agency to
deliver direct deposit payment data) prevent the transfer.
Account Information Disclosure
We will disclose information to third parties about your account or the
transactions you make:
If we return checks on your account drawn on insufficient funds or if we are
unable to complete an electronic transfer because of insufficient funds.
When it is necessary for completing transfers.
In order to verify the existence or conditions of your account for a third
party, such as a credit bureau or merchant.
In order to comply with government agency or court orders.
If you give us your written permission.
In Case of Errors Or Questions About Your Electronic Transfer
Telephone us toll-free at: (888) 732-8562 or in Raleigh at (919) 857-2150.
or write:
State Employees' Credit Union
PO Box 29562
Raleigh, NC 27626-0562
as soon as you can, if you think your statement or account history is wrong or
if you need more information about a transaction listed on the statement or
account history. We must hear from you no later than 60 days after we send the
FIRST statement on which the problem or error appeared.
Tell us your name and account number.
Describe the error or the transaction you are unsure about, and explain as
clearly as you can why you believe it is an error or why you need more
information.
Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or
question in writing within ten (10) business days. We will tell you the results
of our investigation within ten (10) business days after we hear from you and
will correct any error promptly. If we need more time, however, we may take up
to 45 days to investigate your complaint or question. If we decide to do this,
we will re-credit your account within ten (10) business days for the amount you
think is in error, so that you will have the use of the money during the time
it takes us to complete our investigation. If we ask you to put your complaint
or question in writing and we do not receive it within ten (10) business days,
we may not re-credit your account.
If it is determined there was no error, we will send you a written explanation
within three (3) business days after we finish our investigation. You may ask
for copies of the documents that we used in our investigation.
