Polices

Website Terms of Use

revised/approved 04-01-2008

The Erie Times Federal Credit Union Website is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the Erie Times FCU Website constitutes your agreement to all such terms, conditions, and notices.

Modifications of These Terms of Use:
Erie Times FCU reserves the right to change the terms, conditions, and notices under which the Erie Times FCU Website/Services are offered. You are responsible for regularly reviewing these terms and conditions and additional terms. Your continued use of the Erie Times FCU Site/Services constitutes your agreement to all such terms, conditions, and notices.

Personal and Non-Commercial Use Limitation:
Unless otherwise specified, the Erie Times FCU Site is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from the Erie Times FCU Site.

Links To Third Party Sites:
The Erie Times FCU Site/Services may contain links to third party Web Sites ("Linked Sites"). The Linked Sites are not under the control of the Erie Times FCU and the Erie Times FCU is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The Erie Times FCU is not responsible for any webcasting or any other form of transmission received from any Linked Site nor is Erie Times FCU responsible for if the Linked Site is not working appropriately. Erie Times FCU is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Erie Times FCU of the site or any association with its operators. You are responsible for viewing and abiding by the privacy statements and terms of use posted at the Linked Sites. Any dealings with third parties (including advertisers) included within the Erie Times FCU Site/Services or participation in promotions, including the delivery of and the payment of goods and services, and any other terms, conditions, warranties or representations associated with such dealings or promotions, are solely between you and the advertiser or other third party. Erie Times FCU shall not be responsible or liable for any part of any such dealings or promotions.

No Unlawful Or Prohibited Use:
As a condition of your use of the Erie Times FCU Site/Services, you will not use the Erie Times FCU Site/Services for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the Erie Times FCU Site/Services in any manner which could damage, disable, overburden, or impair any Erie Times FCU Site/Service(s) (or the network(s) connected to any Erie Times FCU Site/Service(s)) or interfere with any other party's use and enjoyment of any Erie Times FCU Service(s). You may not attempt to gain unauthorized access to any Erie Times FCU Site/Service, other accounts, computer systems or networks connected to any Erie Times FCU Site/Service, through hacking, password mining or any other means. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available through the Erie Times FCU Services.

Termination/Access Restriction:
The Erie Times FCU reserves the right, at its sole discretion, to terminate your access to the Erie Times FCU Services and the related services or any portions thereof at any time, without notice. The Erie Times FCU may also terminate or suspend your access to Erie Times FCU Service(s) for inactivity, which is defined as failing to log into a particular service for an extended period of time, as determined by the Erie Times FCU. Upon termination of the Erie Times FCU Service, your right to use the Erie Times FCU Service immediately ceases. The Erie Times FCU shall have no obligation to maintain any content or to forward any unread or unsent messages to you or any third party.

Copyright and Trademark Notices:
All contents of the Erie Times Federal Credit Union Website are the property of Erie Times Federal Credit Union. All Rights Reserved.

Any rights not expressly granted herein are reserved. 2008 Erie Times Federal Credit Union

Third Party Links Disclosure

revised/approved 04-01-2008

Our site contains hyperlinks to other websites operated by third parties. These links will take you away from our site. The Erie Times Federal Credit Union does not guarantee the accuracy or completeness of any information presented on these sites. Erie Times FCU does not represent either the third party or our member if the two enter into a transaction. The third party's privacy and security policies may differ from those of the Credit Union.

Funds Availability Policy

revised/approved 07-12-2006

Our policy is to make funds deposited at our office, and also any of the Shared Service Center branches nationwide, available to you on the same business day as the deposit. Every day is a business day except Saturday, Sunday and Federal holidays. However, a member may make a deposit at a Shared Service Center that has weekend or holiday hours, and that deposit will be available through that branch immediately.

The credit union will notify the member if there is a delay in funds availability, and will inform the member when the funds will be available.

Requests which fall outside of the policy guidelines will require Board review, and may not be done without Board approval.

The credit union may hold funds for up to 5 days under the following circumstances:

The credit union suffers an emergency, such as a failure of communications or computer equipment.
The member's share draft account has been overdrawn repeatedly in the last six months.
The member is re-depositing a check that has previously been returned unpaid.
The credit union has a reason to question a check that the member is depositing. For example: a personal, or out of town check.

For purpose of the debit card system only:

Deposits made by 11:00 a.m. will be available after 4:00 p.m. that day. Any deposits made after 11:00 a.m. will NOT be available until the following business day at 4:00 p.m.
There are no pre-set limits on point of sale purchases.
Withdrawals from cash dispensing machines are limited to 8 transactions totaling no more than $999.00 per business day. Friday through Sunday is considered 1 business day.
Although all debit card transactions post to the member's share draft account, the debit system will show an aggregate total available for both the share savings and share draft.
Some debit card transactions may not post to the member's share draft account until two business days later.

This policy is subject to review and revision by the Board of Directors. Terms and conditions may be altered in whole or in part by the action of the Board of Directors, following government guidelines.

Privacy Policy
revised/approved 04-25-2001
This policy is subject to review and revision by the Board of Directors. Terms and conditions may be altered in whole or in part by the action of the Board of Directors, following government guidelines, and remaining in compliance with section 716 of the Rules and Regulations. This policy is to be disclosed when an individual joins the credit union, and annually thereafter. Non-member co-borrowers may be provided a copy of the policy upon signing the loan document.
It is the policy of the credit union to collect member nonpublic personal information¹ from the following sources:
Information we receive from you on applications or other forms. Information about your transactions with us, our affiliates, or others. Information we receive from a consumer reporting agency. Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers, or from other institutions, of from other institutions where you conduct financial transactions.
The credit union will not disclose member account numbers or access codes to any third party for direct marketing purposes. We may disclose the following kinds of nonpublic personal information about you:
name address birth date
We may disclose nonpublic personal information about you to nonaffiliated third parties² as permitted by law, to process member transactions and to perform services or functions on behalf of the credit union (such as data processors, check processors, collection agencies).We may also disclose nonpublic personal information about you to the following types of third parties:
Financial service providers such as CUNA Mutual Insurance Non financial companies such as consumer reporting agencies and retailers
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.
The credit union ensures that all contracts with nonaffiliated third parties contain a pledge to keep member nonpublic personal information confidential.
If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than disclosures permitted by law).If you wish to opt out of disclosures to nonaffiliated third parties, you may contact the credit union at 814-453-7112 or toll free at 888-453-7112.
We restrict access to nonpublic personal information about you to those employees and volunteers who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.
¹Nonpublic personal information is defined as any information a credit union receives by performing a transaction or service for a member (e.g. loan application)
²Nonaffiliated third parties are those entities that do not have an association with or ownership interest in a credit union. As a general rule, this excludes third parties such as data processors, mortgage services, insurance companies, etc. However, parties who do direct marketing for the credit union are not excluded, regardless of their primary business function.
This policy is subject to review and revision by the Board of Directors. Terms and conditions may be altered in whole or in part by the action of the Board of Directors, following government guidelines. This policy is to be disclosed when an individual joins the credit unions and annually thereafter.