Self-Enrollment Disclosure

Please read the disclosure in full and click on "I agree" to self enroll in Home Banking.

Electronic Funds Transfer Agreement and Disclosure
This Electronic Funds Transfer Agreement is the contract which covers your and our rights and responsibilities concerning the electronic funds transfer (“EFT”) services offered to you by Central Maine Credit Union (“Credit Union”). In this agreement, the words “you” and “yours” mean those who sign the application or account card as applicants, joint owners, or any authorized users. The words “we”, “us”, and “our” mean the Credit Union. The word “account” means any one or more savings and checking accounts you have with the Credit Union. Electronic funds transfers are electronically initiated transfers of money from your account through the electronic funds transfer services described below. By signing an application or account card for EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in this Agreement and any amendments for the EFT services offered. Self-enrollment for AnyTime Access & e-Statements is not available for minors, business and trust accounts, or if you are not a member in good standing. You can only access accounts with no passbook suffixes. Signing up for this service authorizes the credit union to change all passbook suffixes to statement suffixes. You understand that the use of AnyTime Access & e-Statements will constitute acknowledgment of receipt and agreement to the terms of our electronic funds transfer agreement and disclosures. All parties to joint share or checking accounts agree to be jointly and severally bound under this agreement.

1. EFT Services. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Personal Identification Number (P.I.N.) will be your ‘remote banking signature’, and you are responsible for maintaining its confidentiality. The P.I.N. should be memorized and not written, in order to prevent unauthorized use and so you may report its loss or theft accurately.
AnyTime Access & e-Statements EFTs. If we approve the AnyTime Access & e-Statements online banking service for your accounts, a separate User ID and password will be assigned to you. You must use your User ID and password along with your account number to access your accounts. Giving any person your User ID and password will be your authorization for that person to access your account. At the present time, you may use AnyTime Access & e-Statements to:
* Transfer funds from your savings and checking accounts.
*Obtain balance information from your savings, checking and loan accounts.
*Make loan payments from your savings and checking accounts.
*Access your line of credit account.
*Make Visa payments from your savings and checking accounts.
*Obtain check images.
*Access and print e-Statements.

Your accounts can be accessed under the AnyTime Access & e-Statements service via personal computer. AnyTime Access & e-Statements will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There will be periods of system inaccessibility due to maintenance or situations out of our control (e.g. power outages, data line communication, vendor problems, etc.). We reserve the right to refuse any transaction, which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase required reserve on the account. We may set other limits on the amount of any transaction and you will be notified of these limits. We may refuse to honor any transaction for which you do not have sufficient available, verified funds. The service will discontinue if no transaction is entered after numerous attempts to enter a transaction, and there may be limits on the duration of each access. We will terminate your connection to AnyTime Access & e-Statements, without notification to you, after ninety (90) days of non-use.
Bill Payer. We will process bill payment transfer requests only to those creditors the credit union has designated in the User instructions and such creditors as you authorize and for whom the credit union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete.
We will withdraw the designated funds from your checking account for bill payment transfer by the designated cut-off time on the date you schedule for payment. You should schedule your payment to be withdrawn from your checking one week prior to the payment due date. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. We cannot guarantee the time that any payment will be credited to your account by the vendor.
*There is no limit on the number of bill payments per day.
*The maximum amount of bill payments each day is $5,000.00, if there are sufficient funds in your account.
*You are limited to forty-five (45) payees.

2.Conditions of EFT services: Security of Access Code. You may use one or more access codes with your electronic funds transfers. The access codes issued to you are for your security purposes. Any codes issued to you are confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your access codes. You agree not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss, we may terminate your EFT services immediately.
Joint Accounts.If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or from any savings and checking or loan accounts as provided in this Agreement. Each joint account owner, without the consent of any other account owner, may and hereby is authorized by every other joint owner to make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

3.Fees and Charges. There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Truth-in-Savings Disclosure that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law.

4.Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts.
Tell us AT ONCE if you believe you code has been lost or stolen or if you believe someone has used your access code or otherwise accessed your accounts without your authority or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you were negligent in the handling of your account or access code, your liability for an unauthorized transaction is determined as follows:
If you tell us within two (2) business days, you can lose no more than $50 if someone used your access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500.00.
Also, if your statement shows transfers that you did not make, including those made by card, code or other means, 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 lost, after the sixty (60) days, if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we may extend the time periods. If you believe your Card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call:

207-783-1475
Fax: 207-777-1914

or write to:
Central Maine Credit Union
P.O. Box 1746
Lewiston, ME 04241

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

5.Right to Receive Documentation: Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, Debit Card transactions, audio response transactions or preauthorized EFT’s will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. If you have AnyTime Access & e-Statements, we will make available an e-Statement monthly.

6.Account Information Disclosure. We will disclose information to third parties about your account or the transfers you make:
*As necessary to complete transfers
*To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant
*If your account is eligible for emergency cash and/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to provide you with the requested service(s)
*To comply with government agency or court orders
*If you give us your written permission
*You agree that we may, and you hereby authorize us to disclose information to third parties about your account(s) or the transfers you make (1) where it is necessary for completing transfers; (2) in order to verify the existence and condition of our accounts for a third party, such as a credit bureau or merchant; (3) in order to comply with government agency or court orders; or (4) if we have your permission.

7.Business Days. Our business days are Monday through Thursday, 8:30 a.m. to 5:00 p.m., and Fridays 8:30 a.m. to 6:00 p.m., excluding state and federal holidays.

8.Credit Union Liability for Failure to Make Transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events:
*If, through no fault of ours, there is not enough available funds in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit.
*If you used your card or access code in an incorrect manner.
*If the ATM, where you are making the transfer, does not have enough cash.
*If the ATM was not working properly and you knew about the problem when you started the transaction.
*If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
*If the money in your account is subject to legal process or other claim.
*If funds in your account are pledged as collateral or frozen because of a delinquent loan.
*If the error was caused by a system of any participating ATM network.
*If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers.
*If the telephone or computer equipment you use to conduct audio response or online transactions is not working properly and you know or should have known about the breakdown when you started the transaction.
*Any other exceptions as established by the Credit Union.
*If we have reason to believe that transactions involving your account may be unauthorized, fraudulent, illegal or otherwise improper.

9.Notices. All notices from us will be effective when we have emailed them, mailed them or delivered them to your last known address in the Credit Union’s records. Notices from you will be effective when received by the Credit Union at the address specified in this Agreement. We reserve the right to change the terms and conditions upon which this service is offered. We will mail notice to you at least twenty-one (21) days before the effective date of any change for which notification is required by law. Use of this service is subject to existing regulations governing the Credit Union account and any future changes to those regulations.

10.Billing Errors. In case of errors or questions about electronic funds transfers from your savings and checking accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we made available or sent the FIRST statement on which the problem appears. However, for electronic funds transfer entries initiated by the Automated Clearing House (ACH) network, we must hear from you no later than sixty (60) days after the settlement date of the item, in accordance with NACHA operating rules and regulations. Call us at:

207-783-1475
Fax: 207-777-1914

or write to:
Central Maine Credit Union
P.O. Box 1746
Lewiston, ME 04241-1746

*Tell us your name and account number.
*Describe the electronic transfer you are unsure about, and explain as clearly as you can why you believe the Credit Union has made 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 forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will 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 credit your account.

We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

* If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days.

** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a point of sale transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate.

NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit your account within five (5) business days unless we determine that the circumstances of your account history warrant a delay, in which case you will receive credit within ten (10) business days.

11.Termination of EFT Services. You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your access code. You also agree to notify any participating merchants that authority to make bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may elect not to continue access due to the lack of use and are under no obligation to notify you of this decision. We may also program our computer not to accept your access code for any EFT service. Whether you or the Credit Union terminate this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to termination.

12.Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the State of Maine and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

13.Enforcement. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings, and any post judgment collection actions, if applicable. If there is a lawsuit, you agree that it may be filed and heard in the county and state in which the Credit Union is located, if allowed by applicable law.

*PLEASE NOTE: Self-enrollment for AnyTime Access & e-Statements is not available for minors, business and trust accounts, or if you are not a member in good standing.

AnyTime Access & e-Statements can only access accounts with no passbook suffixes. Signing up for this service authorizes the Credit Union to change all passbook suffixes to statement suffixes.

You understand that the use of AnyTime Access & e-Statements will constitute acknowledgment of receipt and agreement to the terms of our electronic funds transfer Agreement and disclosures.

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