PS CU@HOME

WELCOME TO PS CU@HOME

PARK SCHOOLS CREDIT UNION’S ONLINE SERVICE.

The following disclosure and agreement explains the contract that protects the member’s and Credit Union’s rights and responsibilities concerning electronic services. Please carefully read and make sure you understand this agreement and disclosure. The word MEMBER means anyone who signs up for PS CU@HOME as applicants, joint owners, or any authorized users. The word ACCOUNT refers to any share and share draft/checking accounts a member has with the Credit Union. EFT or Electronic Funds Transfers are electronically initiated transfers of money from your account through the electronic transfer services described in these terms and conditions throughout this disclosure. By using any EFT service, each member, jointly and severally, agree to the terms and conditions and any amendments of the EFT services offered.

PS CU@HOME allows you to access and manage your Credit Union accounts online. You will have access to your accounts from anywhere in the US, via the Internet. You are able to check the balances of all your accounts as well as review transactions and transfer funds. You can also communicate with the Credit Union through a secure e-mail location. All of this from the comfort of your home or wherever your life takes you. This service will be available 24 hours a day, seven days a week, EXCEPT when off line due to maintenance or major unforeseen events, such as, but not limited to: earthquakes, fires, floods, computer failures, electrical interruptions, telephone service interruptions or acts of God.

QUESTIONS/ERRORS

If you believe there has been an error or unauthorized transfer of funds to or from any of your accounts, you will have 60 days after you receive the first statement on which the problem or error appeared to contact us. The following procedures should be followed:

1. Telephone the Credit Union at 952-927-8928 during regular business hours.

2. Write the Credit Union at:

Park Schools Credit Union

4915 West 35^th Street

St. Louis Park MN 55416

3. Present the information and question in person at the Credit Union

Park Schools Credit Union

4915 West 35^th Street

St. Louis Park MN 55416

• Give us your name and account number.

• Describe the error or questioned information and explain why you are questioning it or believe it to be in error.

• Provide us with the dollar amount and any identifying numbers.

• Use Message Center with PS CU@HOME to contact the Credit Union staff.

This agreement is governed by the Park Schools Credit Union Bylaws, federal laws and regulations, the laws and regulations of the State of Minnesota and local clearinghouse rules.

TERMINATION OF EFT SERVICES

Termination may occur at any time by notifying Park Schools Credit Union in writing. It is the member’s responsibility to notify any participating merchants of the revocation of authority regarding bill payment transfers. The Park Schools Credit Union may terminate this agreement at any time by notifying the member orally or in writing. If Park Schools Credit Union terminates this agreement, we may notify any participating merchants making pre-authorized debits or credits to any of your accounts that this agreement has been terminated and Park Schools Credit Union will not accept any further pre-authorized transaction instructions. Whether the member or Park Schools Credit Union terminates this agreement the termination shall not affect your obligations under this agreement for any EFT’s made prior to termination.

FEES AND CHARGES

There may be charges for certain Electronic Funds Transfer services. These fees may change and all members will be notified of the changes as required by applicable law. Please refer to the Rate and Fee Schedule for all applicable fees.

PERIODIC STATEMENTS

Transfers and withdrawals made through PS CU@HOME will be recorded on your periodic statement. You will receive a monthly statement for all accounts having any electronic transactions.

PS CU@HOME ENROLLMENT

Upon your request Park Schools Credit Union will issue a User ID number and Security Code. You must change the Security Code upon initially accessing your account. This number should remain confidential and it is the member’s responsibility for its safekeeping. All members should notify the Credit Union at 952-927-8928 immediately if you suspect any breach in your accounts security, i.e., unauthorized access, unauthorized transfers or unauthorized individuals have learned your password. In the event you lose or forget your Security Code, contact the Credit Union to request a temporary Security Code to be issued. Park Schools Credit Union reserves the right to require a written request for any new or replacement security code. If you fail to maintain the Security Code and the Credit Union suffers a loss we may terminate your PS CU@HOME access immediately. Park Schools Credit Union will not be responsible for any losses due to member failure to maintain their User ID or Security Code.

The member is liable to the Credit Union for any loss, cost or expense incurred resulting from the member’s failure to follow this agreement. The member authorizes the Credit Union to deduct any such loss, costs or expenses from their account without prior notice. If we bring a legal action to collect any amount due or to enforce this agreement, the Credit Union is entitled, subject to applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings and any post judgment collection actions.

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External links provided on this web site are for informational purposes only. By linking, you will be leaving PSCU’s web site and going to a site not maintained by PSCU. Consequently, PSCU cannot be responsible for the content of alternate sites and cannot represent you or the third party if you enter into a transaction. Privacy and security policies of such sites may differ from those practiced by PSCU.